vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: MA

Complaint narrative:
This is a dispute with XXXX. I believe they have acted in bad faith and possibly fraud. They attempted to collect an amount from me by making an unauthorized charge on my XXXX card. I disputed the charge and XXXX found in my favor. XXXX is still trying to recover an amount from me ( even though they really owe me a refund ) and has reported me to a collection agency and as a result my credit report has been negatively impacted and my FICO score has dropped significantly. Companies should not be able to treat customers this way. 

This explanation only scratches the surface. Please read my full description that I have attached.

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 2025-02-04 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from 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
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2025-02-04 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: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Experian and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which has resulted in financial harm. Despite my formal dispute and demand for immediate correction, both agencies failed to investigate and correct inaccurate, unverifiable, and outdated accounts on my credit report. Their continued negligence has led to denied credit card applications, auto loan rejections, and higher interest rates, all of which have caused me undue financial distress.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, per 15 U.S.C. 1681s-2 ( b ), furnishers must verify the accuracy of the accounts ; failure to do so mandates their immediate removal from my credit file. Despite these legal requirements, Experian and Equifax have failed to act within the timeframe prescribed by law.

I provided both agencies with a formal dispute and a five-day demand to resolve this issue, yet they have not complied. Their failure to uphold federal compliance is not only a violation of my rights under the FCRA but also indicative of a pattern of negligence, as demonstrated by their recent lawsuit for similar violations.

I am requesting the CFPB to intervene and enforce the immediate and permanent deletion of these inaccurate accounts from my credit file. If this matter is not resolved promptly, I will pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking statutory damages, punitive damages, and attorney fees for their willful and negligent noncompliance.

Please provide confirmation of the steps being taken to address this complaint. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Experian and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which has resulted in financial harm. Despite my formal dispute and demand for immediate correction, both agencies failed to investigate and correct inaccurate, unverifiable, and outdated accounts on my credit report. Their continued negligence has led to denied credit card applications, auto loan rejections, and higher interest rates, all of which have caused me undue financial distress.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, per 15 U.S.C. 1681s-2 ( b ), furnishers must verify the accuracy of the accounts ; failure to do so mandates their immediate removal from my credit file. Despite these legal requirements, Experian and Equifax have failed to act within the timeframe prescribed by law.

I provided both agencies with a formal dispute and a five-day demand to resolve this issue, yet they have not complied. Their failure to uphold federal compliance is not only a violation of my rights under the FCRA but also indicative of a pattern of negligence, as demonstrated by their recent lawsuit for similar violations.

I am requesting the CFPB to intervene and enforce the immediate and permanent deletion of these inaccurate accounts from my credit file. If this matter is not resolved promptly, I will pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking statutory damages, punitive damages, and attorney fees for their willful and negligent noncompliance.

Please provide confirmation of the steps being taken to address this complaint. I appreciate your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
The original creditor was XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX who used Hunter-Warfield to collect a previous debt for them. As off XX/XX/year> the amount owed was at a total of {$1000.00} ( principal owed of {$1000.00} and interest of {$53.00} ) and I settled the account in full for {$530.00} on XX/XX/year> after making a payment on XX/XX/year>. XXXX stated that XXXX XXXX agreed to these terms before they sent out the final debt satisfaction letter. Now as of XX/XX/year>, XXXX XXXX has gone and added to my credit another debt collection for {$210.00} through a debt collection agency named National Credit Systems. National Credit Systems collection agency will not verify the debt and XXXX XXXX apartments is trying to charge me again for a settled debt. I have the documentation to prove that the account has been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
With Zelle and XXXX XXXX  money was sent to the wrong person. Before it was information stating that if this happened, a person would not be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I did not buy any XXXX XXXX but received an email stating that I did and would be charged when opening the email it will not let me see the information I reset my password with a code sent to my email then it wanted to send another code to a text it refuses to send after I changed my password

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

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 2025-02-04 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:
Attached will be a FTC report containing 5 fraudulent accounts in which I know nothing about nor did I sign any agreements with any of these companies that should be immediately removed being these accounts are not reporting correctly

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 2025-02-04 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: CA

Complaint narrative:
Attached will be a FTC report containing 5 fraudulent accounts in which I know nothing about nor did I sign any agreements with any of these companies that should be immediately removed being these accounts are not reporting correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
To Whom It May Concern, I am filing a formal complaint against Experian and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which has resulted in financial harm. Despite my formal dispute and demand for immediate correction, both agencies failed to investigate and correct inaccurate, unverifiable, and outdated accounts on my credit report. Their continued negligence has led to denied credit card applications, auto loan rejections, and higher interest rates, all of which have caused me undue financial distress.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, per 15 U.S.C. 1681s-2 ( b ), furnishers must verify the accuracy of the accounts ; failure to do so mandates their immediate removal from my credit file. Despite these legal requirements, Experian and Equifax have failed to act within the timeframe prescribed by law.

I provided both agencies with a formal dispute and a five-day demand to resolve this issue, yet they have not complied. Their failure to uphold federal compliance is not only a violation of my rights under the FCRA but also indicative of a pattern of negligence, as demonstrated by their recent lawsuit for similar violations.

I am requesting the CFPB to intervene and enforce the immediate and permanent deletion of these inaccurate accounts from my credit file. If this matter is not resolved promptly, I will pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking statutory damages, punitive damages, and attorney fees for their willful and negligent noncompliance.

Please provide confirmation of the steps being taken to address this complaint. I appreciate your prompt attention to this matter. 

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 2025-02-04 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: GA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they believe the disputes are originating from a third party. This is not the case, as the disputes were filed directly by me. I even contacted them to confirm my identity, but despite this, they still refused to process my disputes. 

I have wasted both time and money mailing my disputes, as well as sending personal information to verify my identity. Unfortunately, they did not conduct a thorough investigation into my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$2800.00} XXXXXXXX XXXX XXXX Balance {$580.00} XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$6400.00} XXXX  XXXX XXXX Balance {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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  Balance {$3300.00}

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

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 2025-02-04 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: FL

Complaint narrative:
Experians response to claim # XXXX is patently false and they have knowingly and willingly lied to the CFPB concerning the investigation is not yet complete and ongoing when they have in fact closed the investigations and have not removed the derogatory and incorrect information on my account. Information I requested to be removed has again either re-appeared or never corrected and they submitted that their findings were correct and case ( s ) closed. In each case items such as former addresses and/or aliases that I never lived at or assumed are still there even after requesting removal and they did not provide data to support their assertion. This is complete XX/XX/XXXX. That they continue to falsify testimony to the CFPB with impunity. By law they should have removed the information and now are in violation of the FCRA.

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 2025-02-04 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: FL

Complaint narrative:
Experians response to claim # XXXX is patently false and they have knowingly and willingly lied to the CFPB concerning the investigation is not yet complete and ongoing when they have in fact closed the investigations and have not removed the derogatory and incorrect information on my account. Information I requested to be removed has again either re-appeared or never corrected and they submitted that their findings were correct and case ( s ) closed. In each case items such as former addresses and/or aliases that I never lived at or assumed are still there even after requesting removal and they did not provide data to support their assertion. This is complete XX/XX/XXXX. That they continue to falsify testimony to the CFPB with impunity. By law they should have removed the information and now are in violation of the FCRA.

Company response to consumer: Closed with explanation