vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: LA

Complaint narrative:
I am writing this letter to dispute the validity of a collection account that has been reported on my consumer credit report. This collection pertains to an alleged debt with the original creditor XXXX XXXX XXXX and the account details are as follows : Account Number : XXXX I dispute any debt your company claims to have on me. You must stop all collection activities. Do not call my telephone number. If you were ever given permission to call this telephone number ( which i know I haven't given said permission ) I am revoking that now! I request a copy of the XXXX XXXX XXXX that outlines the terms and conditions under which my account was acquired by your agency. This agreement should include any provisions regarding the sale or transfer of the portfolio of loans acquired also including my alleged account and must be signed and dated. 

Considering recent actions by the Consumer Financial Protection Bureau ( CFPB ) against similar violations, it is apparent that non-compliance could lead to severe legal and financial consequences. The CFPB has been active in addressing unlawful practices within the financial sector, and I believe they would take a keen interest in investigating whether your companys practices comply with federal regulations. This could potentially uncover systemic issues similar to those resulting in significant penalties for other institutions.

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 2025-01-27 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: LA

Complaint narrative:
I am writing this letter to dispute the validity of a collection account that has been reported on my consumer credit report. This collection pertains to an alleged debt with the original creditor XXXX XXXX XXXX and the account details are as follows : Account Number : XXXX I dispute any debt your company claims to have on me. You must stop all collection activities. Do not call my telephone number. If you were ever given permission to call this telephone number ( which i know I haven't given said permission ) I am revoking that now! I request a copy of the XXXX XXXX XXXX that outlines the terms and conditions under which my account was acquired by your agency. This agreement should include any provisions regarding the sale or transfer of the portfolio of loans acquired also including my alleged account and must be signed and dated. 

Considering recent actions by the Consumer Financial Protection Bureau ( CFPB ) against similar violations, it is apparent that non-compliance could lead to severe legal and financial consequences. The CFPB has been active in addressing unlawful practices within the financial sector, and I believe they would take a keen interest in investigating whether your companys practices comply with federal regulations. This could potentially uncover systemic issues similar to those resulting in significant penalties for other institutions.

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 2025-01-27 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: MO

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my credit file. This account has already been removed from my XXXX and XXXX credit reports, indicating that the account was either inaccurately reported or no longer meets the criteria for reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, you are required to : Ensure Maximum Possible Accuracy : According to 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain accurate and up-to-date information in consumers ' credit files. Since this account has been removed from the other XXXX major credit bureaus, its continued presence on my TransUnion report raises questions about its accuracy. 
Conduct a Prompt Investigation : Under 15 U.S.C. 1681i ( a ), I am requesting that you investigate this matter immediately. Please contact XXXX XXXX XXXX to verify the accuracy and legitimacy of this account. If the furnisher can not verify the account or provide supporting documentation, the account must be deleted from my credit file. 
Provide the Results of the Investigation : Within 30 days of receiving this dispute, I expect TransUnion to provide a written response detailing the results of your investigation and the actions taken on my credit report. 
I am also requesting that you provide : Documentation used to verify the accuracy of this account. 
Confirmation that the information reported by XXXX XXXX XXXX meets all legal reporting requirements under the FCRA. 
If TransUnion continues to report this inaccurate information, I reserve the right to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing legal remedies. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been investigated and removed from my credit file.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
IM REQUESTING THIS INFORMATION FROM THESE 2 CREDITORS BECAUSE OF THE INACCURATE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS 

Account info
1. Account name
2. Account number
3. Account type
4. Date opened
5. Status
6. Status updated
7. Balance
8. Balance updated
9. Recent payment
10. Monthly payment
11. Credit limit
12. Highest balance
13. Terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reported fraud on my Citi Double Cash Card on XX/XX/year>. I locked my account and requested a new card to be sent. I disputed several charges on that day, specifically including XXXX charges to XXXX that were unauthorized and not made by me for {$530.00} each or {$1000.00} total. 

As of XX/XX/year>, the disputes were marked as " You're in the clear '' and that the merchant issued credit and my dispute for the XXXX {$530.00} transactions is " resolved ''. 

As of XX/XX/year> I spoke to another customer service representative and they informed me that it can take up to XXXX  days for my account to receive the merchant credit which is my money not Citi 's. They have not provided an update and there is no indication that my account will receive this credit or that I will not be liable for the fraudulent charge.

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 2025-01-27 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: TN

Complaint narrative:
I originally made Transunion and the CFPB aware of the items below that were created as a result of Identity Theft on XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) after identifying the items below as information that resulted from identity theft and providing the required documentation, Transunion should have blocked and removed these items no later than 4 business days after receiving the required information. I have attached appropriate proof of my identity, a copy of an identity theft report, the identification of such information related to the identity theft, and a statement by me, the consumer, that the information is not information relating to any transaction by me. I am also submitting proof that this information was submitted to you on XX/XX/XXXX. Delete and block this information immediately according to FCRA 605B ( 15 U.S.C. 1681c-2 ). By continuing to report this information on my credit, Transunion is violating my consumer rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Below are the accounts that STILL NEED TO BE BLOCKED AND DELETED per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX. XXXX Overdraft / reserve checking account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$950.00}. 
XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
XXXX. XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX. XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6700.00}. 
XXXX. XXXX - XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6300.00}. 
XXXX. XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}.

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 2025-01-27 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: NJ

Complaint narrative:
Unauthorized items on my credit report have appeared due to the fraudulent use of my personal information, and I have never benefited from these transactions in any way. Recognizing the gravity of this issue, I promptly filed a report with the Federal Trade Commission in hopes of resolving the matter. However, despite taking the necessary steps and reporting this fraudulent activity, these items persist on my credit report. 
This situation has become deeply frustrating, as I continue to bear the consequences of someone elses misuse of my information. I am urgently requesting the removal of these fraudulent entries from my credit report. It is unacceptable that these unauthorized items remain, negatively impacting my financial standing.

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 2025-01-27 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: VA

Complaint narrative:
XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.

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 2025-01-27 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: VA

Complaint narrative:
XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.

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 2025-01-27 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I recently came across an error in my credit report that seems inconsistent with my personal records. It is important to me that my credit report accurately reflects my financial activities and standing. I kindly request a thorough review of the report to identify and resolve any discrepancies. Thank you for your attention to this matterit is greatly appreciated.

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 2025-01-27 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:
I came across the CFPB XXXX LAWSUIT I feel i was negatively impacted by Transunion, hurting my chances at credit after recieving a response to my earlier dispute that the accounts were " verified ". 
there was not a proper detailed investigation on the disputes i provided in 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 2025-01-27 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I have been locked out of my Edfinancial account. When trying to login, it says that my account has been XXXX and when I try to select Contact Us for help, the screen fails to load because the server can not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

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 2025-01-27 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing 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 2025-01-27 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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