vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
Consumer Adjustment Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Debt Immediate Removal Required To Whom It May Concern, I am writing to formally dispute the collection account that your company has reported to my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I request immediate validation of this debt, including but not limited to : 1. A copy of any signed agreement or contract proving I am legally responsible for this alleged debt. 
XXXX. The full accounting of the debt, including original creditor details, amount owed, and itemized charges. 
XXXX. Proof that your company has the legal authority to collect this debt. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ), inaccurate or unverified accounts must be removed from my credit report immediately. If you can not provide verifiable proof within 30 days, you are legally required to delete this collection from all credit bureaus per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in legal action against your company for violations of consumer protection laws. I have retained legal counsel and am prepared to escalate this matter in federal court under 15 U.S. Code 1692k, which allows me to seek damages for any unlawful collection activities.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX  My Phone was stolen and {$2000.00} were stolen out of my checking account with chime online banking, I called chime within an hour finding out my phone was stolen and told them some one maybe trying to steal my information and steal my money out my account, at that time a Chime representative told me that they can see that {$2000.00} had been moved and their was trying to move {$1000.00} while I was speaking to the representative..I made a fraud claim about the Fraud made on my account and chime will not approve my claim, the have denied it on 2 accessions, I provided documents of my phone being stolen and filed a police report and chime still constantly decline my claim..I submitted documents to chime from XXXX XXXX  how my account with them was also compromised..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
A collection for a XXXX  account for the amount of {$1800.00} that was previously disputed as a fraudulent account was placed back on my credit report again under a new collection agency, XXXX XXXX XXXX. I am not liable for the debt with XXXX XXXX XXXX nor XXXX XXXX I do not have a contract with them nor did they provide any contract signed by myself to the original creditor XXXX. I never signed any contracts and they haven't provided information validating The amount I owe, The date I incurred the debt, The date of the last payment or Evidence that connects me to the debt. This account was previously disputed as fraudulent under a different company 's name, XXXX XXXX  but for the original creditor XXXX on XX/XX/year> as reflected on my FTC Identity Theft 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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A collection for a XXXX  account for the amount of {$1800.00} that was previously disputed as a fraudulent account was placed back on my credit report again under a new collection agency, XXXX XXXX XXXX. I am not liable for the debt with XXXX XXXX XXXX nor XXXX XXXX I do not have a contract with them nor did they provide any contract signed by myself to the original creditor XXXX. I never signed any contracts and they haven't provided information validating The amount I owe, The date I incurred the debt, The date of the last payment or Evidence that connects me to the debt. This account was previously disputed as fraudulent under a different company 's name, XXXX XXXX  but for the original creditor XXXX on XX/XX/year> as reflected on my FTC Identity Theft 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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion of [ XXXXXXXX XXXX XXXX XXXXXXXX ] from My Credit Report Dear Experian, I am writing to formally request the immediate removal of the [ XXXX XXXX XXXX XXXX XXXX from my credit report, which is listed under the account number [ XXXX ]. 

I dispute the accuracy and validity of this item, and after extensive attempts to resolve the matter directly with the company, no satisfactory resolution has been achieved. I have filed complaints through various channels, including the Consumer Financial Protection Bureau ( CFPB ), and have not received a meaningful or timely response. Given the failure of the company to provide evidence or a resolution within a reasonable time frame, I am requesting the removal of this item from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unresolved information on my credit report, and I demand that this account be deleted immediately due to the lack of evidence supporting its validity. 

Please confirm in writing within 30 days that this item has been deleted from my credit report. If this request is not fulfilled, I will be forced to escalate this matter through further legal or regulatory means. 

Thank you for your prompt attention to this matter. I expect a swift resolution and look forward to receiving confirmation of the removal. 

Sincerely,

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 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my report please remove these accounts from my report they are hurting my ability to obtain credit 15 us code 1692c 15 us code 1692g 15 us code 1681 e ( B )

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 2025-03-19 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: TX

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally demand the immediate removal of an unverified collection account that remains on my credit report despite my request for debt validation over 90 days ago. This account is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which require that a debt be verified before it can be reported to the credit bureaus. 

Please have them remove this asap. 
Collection Agency : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing to XXXX a complaint against TransUnion for not following the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed the following accounts on my credit report, which was confirmed to be inaccurate and removed. However, the same account was added back to my report without any notice from TransUnion within the required 5 business days. 
Account Name : XXXX XXXX XXXXXXXX Number : XXXX Account Name : XXXX Number : XXXX Account Name : XXXX XXXX Number : XXXX Account Name : XXXX XXXX XXXX Number : XXXX This goes against FCRA Section 611 ( a ) ( 5 ) ( B ), which clearly states that consumers must be notified if previously deleted information is reinserted. The lack of notice has caused unnecessary stress and may have negatively impacted my credit.

Ive already contacted TransUnion about this, but they havent resolved the issue. Thats why Im asking for your help to make sure they comply with FCRA regulations and x this problem promptly. 
Ive attached copies of all relevant documents, including my original dispute letter, proof of the accounts removal, and my recent dispute regarding the unauthorized reinsertion. 
Thank you for looking into this matter. I appreciate your support in helping me get this resolved.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
they keep calling before XXXX and after XXXX harassing me I've told them to remove me off their list and stop calling they have totally ignored me.

The 15 U.S.C. code 1692 ( c ) ( cc ) states the followingXXXX : A consumer can cease communication with a debt collector in writing. 
A debt collector must assume a convenient time for communicating with a consumer is after XXXX XXXX XXXX  and before XXXX XXXX XXXX local time at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is no accuracy in the reports listed above, they denote fraudulent accounts due to their inaccuracies. 
Please delete these accounts from my credit report. 

In accordance with the fair Credit Reporting Act account # mentioned below, was violated my rights.

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 2025-03-19 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:
am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The errors are as follows : XXXX XXXX XXXX {$4700.00} Navient {$28000.00} XXXX XXXX XXXX XXXX {$20000.00} Acct # XXXX According to _FCRA 15 U.S.C . 1681i ( a ), Equifax can not rely solely on the creditors information and must legally perform their own investigation. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency XXXX furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court XXXX allow.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Deposited official check from State of New York. Foreign customer service agent barely spoke enough English to understand the very simple string of events as explained. Incorrect levy issued, State of New York reversed the levy and sent me a check, which I deposited. After almost an hour, still no resolution and customer service agent was rude and placed me on long holds for no reason. Account is still " restricted '' and deposit is still not reflected. 

The customer agent lied and said that the check was not good, which simply can not be true.

Answer to CFPB was not responsive in the least. DID NOT ADDRESS complaint due to the fact that they are hiring non-qualified agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief