vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Request : Remove >Account XXXX  Days Past Due< from Pay Status. 

As you can see from the below payment history with supporting documentation, we have NEVER made a late payment on this account. EVER! 

Our loan was sold and XXXX became servicer ; we received our first statement from XXXX dated XX/XX/XXXX in XX/XX/XXXX. 

XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$290.00} XXXX XXXX Paid on XX/XX/XXXX ( see XXXX Statement for payment confirmation ) XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$2100.00} XXXX XXXX Paid on XX/XX/XXXX but not applied by XXXX until XX/XX/XXXX : {$2100.00} ( see XXXX Statement for payment confirmation ) NOTE THIS PAYMENT WAS MADE XXXX WEEKS BEFORE XX/XX/XXXX DUE DATE AND ACTUALLY WAS IN EXCESS OF AMOUNT DUE BY {$25.00}. 
e. Additional Principal Payments made in XXXX : XXXX XX/XX/XXXX : {$230000.00} XXXX. XX/XX/XXXX : {$11000.00} XXXX. XX/XX/XXXX ( but not applied by XXXX until XX/XX/XXXX ) : {$620.00} XXXX. XXXX XXXX a. XXXX Date : XX/XX/XXXX b. Payment Due : XX/XX/XXXX XXXX Amount Due : {$190.00} XXXX Payoff Demand Dated XX/XX/XXXX. 
e. Authorization to Close and Check for {$200.00} Mailed XX/XX/XXXX ( XXXX  day grace period and loan closed we are told by XXXX on XX/XX/XXXX ). 
f. In XXXX, by letter dated XX/XX/XXXX, XXXX XXXX our check in amount of {$200.00} because loan paid in full. 

As you can see from the foregoing, with reference to the attached supporting statements, we NEVER made a late payment and even paid early! XXXX can not seem to understand that our XX/XX/XXXX payment of interest and principal was for the amount due XX/XX/XXXX as shown on the XX/XX/XXXX XXXX. 

The notation that this account had a payment delinquent greater than XXXX  days MUST BE REMOVED AND CORRECTED. We have never had a late payment on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian suffered a data breach and the burden was put on me for proof and a police report. I receive an email due to filing a complaint with the cfpb which is still active, so instead of doing the right thing I am now being subjected to do their investigation for them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called experian on XX/XX/2025, and XX/XX/2025, during regular business hours. It took almost an hour to get to a fraud dispute agent. XXXXm sick and tired of Experians excessive hold times. XXXX and XXXX have short hold times and XXXX allows consumers to file fraud disputes online. Experian forces consumers to call in order to file a fraud dispute and does not allow fraud disputes online. This is egregious and causes an undue delay. Its unfair to have excessive hold times. Please rectify this issue, otherwise, I will retain a class action attorney and file legal action against experian. This is NOT a dispute request. This is NOT a request for my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Im writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, Ive identified several discrepancies that need immediate correction. This inaccurate data is negatively impacting my credit score, and it is imperative that it be rectified without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX BANK XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX {$6.00} XXXX play XX/XX/XXXX {$6.00} XXXX play XX/XX/XXXX {$25.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have XXXX days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF NO XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Block and Remove Unauthorized Bankruptcy Information and Intent to Sue Dear Experian, I am writing to formally request the immediate blocking and removal of inaccurate bankruptcy information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ).

The details of the disputed entries are as follows : 1. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXX CT AR LITTLE R - **Amount** : {$0.00} XXXX. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - **Amount** : {$0.00} XXXX entries were not reported or furnished by the bankruptcy court, and I have not authorized any of these charges. Furthermore, these filings were made without my consent, involving the misuse of my personal information. 

Under Section 605B of the FCRA, I request that you block and remove all information related to these unauthorized bankruptcies. This information must be removed within XXXX business days of your receipt of this letter. 

Additionally, I intend to pursue legal action under FCRA Section 611 ( a ) ( 1 ) due to your failure to respond appropriately to this dispute. According to the law, I am entitled to seek statutory damages of {$1000.00} for the inaccuracies reported. 

Please treat this matter with urgency and provide written confirmation that these entries have been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your swift response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$97.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$160.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$52.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$45.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$77.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX BANK # XXXX XX/XX/XXXX -- {$6700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$41.00} XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$410.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Items on Credit Report Under 15 U.S.C. 1681i To Whom It May Concern, I am formally disputing inaccurate and fraudulent accounts on my credit report that are negatively impacting my credit score and history. Despite my diligent efforts to resolve this matter directly with Experian, the issue remains unresolved. Therefore, I am requesting an immediate investigation and removal of these unauthorized accounts under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

The disputed accounts are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened in my name without my consent. I have already filed police reports regarding this identity theft. 
Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within XXXX  days. Since Experian has failed to adequately resolve this issue, I am requesting CFPB intervention to ensure compliance with federal law and the immediate removal of these fraudulent accounts. The continued presence of these accounts is unjustly damaging my creditworthiness, and I expect a prompt resolution. 
Please confirm receipt of this dispute and keep me informed of any updates regarding the investigation. Should you require any additional information, I am happy to provide it. I appreciate your urgent attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a formal complaint against TransUnion due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, TransUnion has failed to take timely and effective measures to prevent and address fraudulent activities on their platform, thus leaving my account vulnerable and unprotected. Additionally, I have discovered inquiries on my credit report that I am unfamiliar with and have never authorized. 

Furthermore, TransUnion dispute resolution process has been unfair and deceptive, as they have not complied with the error resolution requirements under the Fair Credit Reporting Act ( FCRA ) and Regulation V. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations and demand that Transunion take immediate corrective actions to ensure the security and accuracy of my account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation