vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: SC

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. 


Account Name : XXXX # XXXX Account Name : XXXX  # XXXX XXXX U.S.C 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 non-monetary relief
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. XXXX continues to report false information and incorrect addresses and names, in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian actions also may contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ). I requested that CFPB take appropriate action to ensure XXXX complies with the necessary proof of investigation. 

XXXX XXXX XXXX  Account Number : XXXX Date open : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/year> Balance : {$4500.00} XXXXXXXX XXXX XXXX  Account Number XXXX Date open : XX/XX/year> Balance : - Addresses : XXXX XXXX XXXX XXXX PA XXXX Names : 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 2025-01-29 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: SC

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. 


Account Name : XXXX # XXXX Account Name : XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXXXXXX 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  ) 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. 

XXXX XXXXXXXX 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 2025-01-29 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: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
There are ( XXXX ) fraudulent hard inquiries on my Transunion credit report. This was due to identity theft. I have attached an FTC report I sent to Transunion XXXX weeks ago. Transunion has failed to locate the certified mail copy of the FTC report sent in. These hard inquiries are not mine and I have not applied to either of the XXXX companies. I have listed below the ( XXXX ) hard inquiries. 

I have called Transunion more than a dozen times trying to resolve this issue. Ive requested updates on this dispute and documentation. Transunion has failed me as a consumer. Ive disputed this matter over XXXX  days ago. Transunion did not honor their XXXX  day dispute policy. I need the help of the CFPB with helping me resolve this matter. 

Hard inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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 2025-01-29 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: IL

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX U.S.C 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 2025-01-29 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am sending in these documents at your request. Let me continue to explain what took place. My card was hacked for {$3000.00} and {$1500.00} and I called you on a recorded line to dispute these charges on card ending in XXXX. So you sent me out a new card ending in XXXX which I never received. But you gave me the last XXXX digits of the card that was coming by mail which was XXXX. Upon checking my statement it had a {$1500.00} balance on the card which I never received. You said the other XXXX fraud charges would be taken off. Then you advised me that you would send me another new card because of the fraud on the card with {$1500.00} on it and that you would be looking into that matter. Now mind you I have not used any Barclay card since I paid it off in XX/XX/XXXX. I believe you have a thief in your department that used my cards. But the biggest problem I have and I want it corrected immediately is some XXXX from Barclay requested {$1400.00} out of my checking account on XX/XX/XXXX and you received it on XXXX as payment. I never authorized any payment to you. I didnt owe any payment to you. My bank did not authorize any payment to you. I tried a stop payment on it but it went through. I have spoken to XXXX of your representatives that barely speak English that I could not understand to try and solve this to get my money back. I have went through your fraud service and everything. My next step is my lawyer. I have sent you these documents to you of drivers license, social security card and bank statements. Now its real simple to give me back my money by reversal of payment. I never owed you {$1400.00}. I owe you a balance of {$19.00} for donuts from XXXX store. I have been a customer of yours since XXXX you dont treat people like this. You figure out who frauded me and who your thief is on your own time. Dont let my money set idle while you figure it out. That is my monthly bill money I need to pay my bills. I had to borrow from my bank to correct all my returned items to my other creditors because you wont return my money sent to you by an outsider or insider in your organization. This is not a way to keep my business with you. I will be calling you on Monday to get some results or my attorney will take control if we cant reach an agreement on the money taken from my account. You should be able to see who authorized money from my account to you. If you cant then you got a XXXX poor system. 
Sincerely. 
XXXX XXXX XXXX All this was sent to Barclay Card Services. Thier is a thief inside their organization. I just received an alert on XXXX that Barclays had requested an address change to experian. I did not do this.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, XXXX unauthorized transactions totaling {$2300.00} were charged to my Bank of America debit card under the merchant name XXXX XXXX. I immediately reported the fraud the same day ( XX/XX/XXXX ) by calling Bank of America and visiting a branch in person. At the time, the bank representative confirmed the dispute and stated I would receive provisional credits by XX/XX/year>. 

XXXX of Actions : XX/XX/year> : Reported fraud to Bank of America via phone and in-person visit. The bank opened a dispute case. 
XX/XX/year> : Bank of America notified me the claim was denied without providing a reason. After protesting, they agreed to reopen the investigation. ( Nevertheless, I do not know why they suddenly changed their mind about the refund even thought my husband called 2 times and both received the answer that the money will be refunded to our bank account ) No provisional credit has been issued, despite Bank of America initially promising funds by XX/XX/XXXX and XX/XX/XXXX. 
I physically possess the debit card linked to the fraud and have no XXXX membership, account, or prior bookings. 
Issues with Bank of Americas Response : Failed to provide provisional credit within XXXX business days as required under Regulation E. 
Denied the claim without justification or evidence that I authorized the transactions. 
Created confusion by reopening the case after declining it, delaying resolution. 
Actions Taken : Contacted Hiltons fraud department to request documentation proving I have no affiliation with their services ( no response yet ). 
Filed a police report regarding the fraudulent charges ( report number : [ INSERT ] ). 
Desired Resolution :

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 2025-01-29 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: AL

Complaint narrative:
I filed a dispute on XX/XX/year> on account XXXX, XXXX FUNDING due to incorrect information. Experian failed to follow up with the investigation. Ive recently learned that CFPB has filed a lawsuit against Experian. They allege the company fails to follow up with disputes and accepts unreliable information. Experian fails to actually effectively investigate the accuracy of this information. I really need some help with this as it is ruining my credit. I am asking that this derogatory remark be removed immediately. Experian has violated my rights to fair and thorough investigation as a consumer.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filling 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-29 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: AZ

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
TRANSWORLD SYSTEMS POPPED UP ON MY CREDIT REPORT ON XX/XX/XXXX STATING THEY WERE A ORIGINAL CREDITOR I OPENED AN ACCOUNT WITH IN XX/XX/XXXX. I HAVE NO CONTRACT WITH THIS COMPANY AND HAVE NOT RECEIVED ANY DOCUMENTATION FROM THIS COMPANY. THIS IS NOT A DEBT I OWE I HAVE NO KNOWLEDGE OF AND THEY CONSTANTLY POP UP ON MY CREDIT REPORT ANNUALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate information on their credit report. However, in my case, the three major credit bureausXXXX, Equifax, and XXXXfailed to fulfill this obligation. Their investigation was neither comprehensive nor sufficient, as they did not properly verify the disputed information or consider the supporting evidence I provided. This negligence directly violates the FCRA, which mandates that all disputes be handled with due diligence to ensure the accuracy and fairness of consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company is trying to collect on a debt that I don't owe. Each time I ask for proof of ownership, they sent me a bill with an address that I don't even recognize. I would like for the company to provide me with the following information if they believe it is debt. 

Proof of Debt Ownership : A copy of the original agreement with the original creditor that bears my signature, or other documentation proving that I am legally responsible for this debt.

Chain of Custody : Documentation showing the full history of the debt, including any transfers or sales of the account, to confirm your legal right to collect it.

Verification of Debt Amount : A breakdown of the total amount you claim I owe, including principal, interest, fees, and any other charges. 

Details of the Determination Process : A detailed explanation of the process your agency used to verify that this debt belongs to me and that the amount is accurate. 

Proof of Licensing : Evidence that your agency is licensed to collect debts in my state, if applicable.

Company response to consumer: Closed with explanation