vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this formal notice as a XXXX attempt to dispute erroneous and unverifiable items that continue to appear on my credit report. This repeated failure to validate, correct, or delete inaccurate information is a clear violation of your responsibilities under the Fair Credit Reporting Act ( FCRA ). 
According to FCRA XXXX, you are required to conduct a reasonable investigation and delete or correct information that can not be verified. Your failure to do so constitutes negligent noncompliance ( XXXX ) and possibly willful noncompliance ( XXXX ). 
Late Payments ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously disputed this account. You have failed to validate the accuracy of the late payment reporting. This constitutes willful neglect of your duties. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting history is inconsistent and remains unverified. I demand immediate deletion. 
Collection Accounts ( FCRA XXXX ( a ) ( XXXX ) ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have not provided original signed contracts or complete validation documents to support this account. Under FCRA XXXX ( a ) ( XXXX ), this account must be removed. 
Unauthorized Hard Inquiries ( FCRA XXXX ( a ) ) These inquiries lack my consent and therefore violate FCRA XXXX ( a ). You must provide evidence of permissible purpose or remove them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ________________________________________ Formal Request for Action : I now demand the following actions in compliance with FCRA : Deletion of unverifiable and inaccurate accounts per FCRA XXXX ( a ) ( XXXX ) Removal of unauthorized hard inquiries under FCRA XXXX ( a ) Written verification of all retained items or deletion if no proper validation exists If you continue to report these items without full validation, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. Legal action may also be considered under FCRA XXXX and XXXX. 
This is your final opportunity to resolve this matter amicably. I expect a written response and an updated credit report within XXXX days of receipt. 
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 2025-05-01 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: GA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Bridgecrest ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ), both of whom are furnishing charge-off entries on my TRANSUNION credit file. These entries are not only inaccurate and misleading, but they also violate multiple provisions of federal law and Georgia state consumer protection statutes. Both companies are reporting past-due balances ( {$11000.00} from XXXX and {$26000.00} from XXXX XXXX XXXX XXXX despite charging off the accounts, which under Generally Accepted Accounting Principles ( GAAP ) and IRS regulations XXXX suggests they have already received compensationeither via insurance, tax deduction, sale, or settlement. This continued reporting violates : FCRA XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information. FCRA XXXX ( b ) Failure to ensure maximum possible accuracy. FCRA XXXX Failure to properly investigate consumer disputes. Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX - Failure to validate the alleged debt prior to furnishing to the credit bureaus constitutes deceptive and unfair practices. Georgia Fair Business Practices Act ( GFBPA ), XXXX. XXXX et seq. - Prohibits unfair or deceptive practices in consumer transactions, including the inaccurate reporting of debt information. Internal Revenue Code, XXXX XXXX. XXXX and XXXX C.F.R. XXXX - If the creditor has issued a Form XXXX ( Cancellation of Debt ), the debt has been forgiven for tax purposes and must be treated as income by the consumer. Continued reporting of this cancelled debt is improper and creates a form of double jeopardypenalizing the consumer financially and via tax liability simultaneously. Additionally, the CFPB has previously taken enforcement action against TRANSUNION for : The CFPB fined TransUnion {$23.00} XXXX for inaccurate reporting and refusal to resolve errors related to consumer files. I am now experiencing a similar lack of proper handling of canceled debt reporting. 
See Also : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court acknowledged that the issuance of a XXXX could render continued reporting of the debt as inaccurate, supporting the need for correction or deletion of such entries.

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 2025-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
Semt certified letters for verification and no response

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Semt certified letters for verification and no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Transunion will not provide me with my credit score or a report. Their website when I login simply states : " We are having technical difficulties. We appreciate your patience while we resolve this issue. '' This has been the case for nearly XXXX months. They have a phone number for me to call only to put me on hold for XXXX hours and they hang up on me randomly!

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 2025-05-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a XXXX XXXX, which I later discovered was issued by Wells Fargo. I had significant difficulty accessing my account early on and did not realize that Wells Fargo was the actual issuer for several months. During that time, I also did not understand the terms of the card, including how interest would be applied. 

For months, I was unable to log into my account, and I did not realize that interest was accruing on rent payments charged through Wells Fargo. I mistakenly believed these transactions would appear and be managed through the XXXX XXXX, as that is where I set up the account and expected to see activity and payment status. 

Additionally, the billing cycle was unclear. Unlike other credit cards I hold, this one had due dates that fell before the XXXX of each month on the XXXX. I realized today that there's a very small print that you can change the payment day. As a result, I was hit with repeated late fees due to timing I was not prepared for of {$40.00}. Usually, I enlist auto-pay to get ahead of this but Wells Fargo would not let me use Auto Pay because they said it was not eligible with the product the tI have. 

I recently paid off the entire remaining balance from XXXX, which totaled over {$20000.00}. I made monthly payments of {$3000.00}, with the final {$3000.00} payment submitted today. Despite this, I have been charged more than {$3000.00} in interest and fees including late fees ( {$40.00} per month ) for the past couple of months. 

To further complicate matters, I had initially been told by XXXX that rent payments would be directly deducted from my checking account. So I was very surprised to see a large outstanding balance reflected on the Wells Fargo credit card instead. 

Here is a breakdown of charges : XXXX : {$2300.00} in interest, {$180.00} in fees XXXX ( so far ) : {$530.00} in interest, {$40.00} in fees I contacted Wells Fargo to request a good faith refund or adjustment, but I have not received a resolution and there is no where to email them just phone calls where I have had to wait for extensively long periods and the call gets dropped on their end randomly every time while I am on hold. I believe these charges were excessive, not clearly disclosed, and potentially inconsistent with fair billing practices. 

I respectfully request CFPB assistance in securing a partial refund of these charges and in encouraging greater clarity and transparency in how co-branded cards like XXXX are managed and communicated to consumers.

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 monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MA

Complaint narrative:
Dear CFPB, I am submitting this complaint against LoanCare, the servicer of my mortgage loan, for inaccurately reporting 30-day late payments for XXXX and XX/XX/2023 on my credit report. I was shocked to discover these entries while reviewing my credit file, as I have always made a consistent effort to keep my mortgage in good standing. 

At the time of these alleged late payments, I was going through medical emergencies, and there were also fraud-related blocks placed on my checking account by my bank, which may have interfered with the auto-draft or payment submission process. I received no prior notice or warning regarding a failed payment or an opportunity to cure the delinquency, which is inconsistent with standard servicing protocols and consumer protection obligations. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 623 ( 15 U.S.C. 1681s-2 ), furnishers are legally required to ensure the accuracy and completeness of the information they report. I dispute the legitimacy of these late marks, and I believe LoanCare failed to verify the accuracy prior to reporting. 

I have reached out to the servicer in good faith, requesting a review and correction of these entries based on my hardship and prior payment history.

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 2025-05-02 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NH

Complaint narrative:
Trueaccord debt collectors beens contacting me by email about a debt I dont own. the address on file I never lived at and my name isnt right on the account. It was open XX/XX/XXXXXXXX  and Charged of XX/XX/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 2025-05-02 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: LA

Complaint narrative:
I will keep submitting complaints until I get my refund! I lost XXXX dollars and I couldnt feed my family! Old : I woke up and my cashapp was stolen. Someone took all my information off and kicked me out. They sent themselves the money I had in my cashapp and then unlinked their bank account. I called cashapp FIVE different times to get access to my account and they couldnt get me back in. They have the worst fraud protection and customer service. One of them told me to try again in two hours. The other told me two days. I waited two days and they finally got me into my account but my money was gone. I requested an investigation be started to get my money back and find the bank info of the person who took it. They told me itll take 10 days. When they replied they said they closed my investigation because I authorized a payment and I didnt! New : Since my last complaint my request for a refund had been denied multiple times. I got a response for the company on this website but no resolution. They said my complaint had to do with the previous lawsuit they were in but that deadline was in XXXX and this JUST happened in XXXX! I received an email saying my case wasnt closed but I literally have proof of them closing my case via email and they KEEP closing it. I requested documentation so I can see what made them come to this conclusion and the only thing they gave me was the transaction. NOTHING ELSE! I emailed them this and got NO RESPONSE that I havent done already! They told me to reopen my case. Its been weeks and I have heard nothing from them regarding my case. Im tired of their customer service. Its terrible and their fraud protection is even worse STILL after the lawsuit! NEW : I will be escalating this since nobody seems to be doing anything. Lawyers will be involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted disputes with Experian for the following inaccurate accounts : XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX Experian stated these accounts were verified. On XX/XX/year>, I mailed a Method of Verification ( MOV ) letter under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). XXXX confirmed delivery on XX/XX/year>. I specifically requested : 1. The name, address, and phone number of the data furnishers 2. The procedures Experian used to reinvestigate 3. All documentation used to verify the accounts Experian responded with a generic notice that failed to include any of the required MOV information. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they failed to properly respond or provide verification within the required timeframe.

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
My Cash App account was used without my consent by my then-boyfriend, who used it for unauthorized crypto transactions related to his business. Despite repeatedly asking him to stop, he became angry and manipulative whenever I raised concerns. He ultimately got my account permanently banned. 

I reached out to Cash App for support multiple times and also filed a multitude of complaints through the BBB. I received no help or engagement from them other than a finger being pointed at me to being the blame. Ive lost access to my account and funds through no fault of my own. Therapy helped me to understand that I was being emotionally and financially abused via that man. 

This experience has been financially and emotionally damaging. I am reporting this to the CFPB because Cash App failed to protect me from abusive, unauthorized use and has not given me any chance to explain or recover my account. The management that has continuously contacted me througjt the BBB, XXXX as the representative via Cashapp Executive Team has made me uncomfortable through every interaction, and did not care for my expressing my discomfort with speaking to them after a previous bad interaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief