vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-05 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: NY

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 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 2025-02-05 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: CA

Complaint narrative:
I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To whom it may concern, I am submitting this formal complaint regarding the inaccurate reporting of a collection account by XXXX XXXX XXXX on my credit report under account number XXXX. I believe the reporting of this account violates multiple federal laws, including the Gramm-Leach-Bliley Act ( 15 USC 6802 ), the Fair Credit Reporting Act ( 15 USC 1681b ), Aggravated Identity Theft ( 18 USC 1028A ), and provisions under the FCRA. 

Details of the Complaint Violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute governs the sharing of personal financial information. I believe that my personal information may have been shared or reported to credit bureaus without my explicit consent. This is a violation of my privacy rights under federal law.

Violation of 15 USC 1681b ( Fair Credit Reporting Act ) : This statute requires that a permissible purpose exist for accessing and reporting credit information. I have requested documentation from XXXX XXXX XXXX to prove they had a lawful purpose for reporting this account, but they have failed to provide sufficient evidence. 
Violation of 18 USC 1028A ( Aggravated Identity Theft ) : If my personal information was used or reported without my knowledge or consent, it constitutes a criminal offense under this statute. I have requested verification of the debt and the legitimacy of its reporting but have not received proper validation.

Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies to report accurate and verifiable information. If XXXX XXXX XXXX can not validate this account, the account must be removed from my credit report under 15 USC 1681i ( a ) ( 5 ). 
Summary of My Attempts to Resolve the Issue I have disputed this account with XXXX XXXX XXXX and the credit reporting agencies ( XXXX, Equifax, and XXXX ). 
I have requested debt validation, documentation proving the legitimacy of this account, and confirmation of compliance with the above-mentioned statutes. 
Despite these efforts, I have not received sufficient evidence to justify the continued reporting of this account. 
Requested Resolution I am requesting the CFPBs assistance to : Investigate whether XXXX XXXX XXXX and the credit reporting agencies have violated my rights under 15 USC 6802, 15 USC 1681b, 18 USC 1028A, and the FCRA. 
Ensure that this account is removed from my credit report if XXXX XXXX XXXX can not provide valid documentation to support its reporting. 
Confirm that my personal information has not been shared or reported without proper authorization. 
Hold the involved parties accountable for any violations of federal law.

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

Complaint narrative:
I am filing a complaint against TRANSUNION for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TRANSUNION consistently responds within 24 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TRANSUNION complies with federal law and provides consumers with the necessary proof of investigation. I have submitted a dispute 6 times to correct this issue.

COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Employment Information : XXXX XXXX Addresses My name on credit reports should only show as XXXXXXXX XXXX XXXX not anything else

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 2025-02-05 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 am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX Open Date [ XX/XX/year> ] XXXX. XXXX XXXX  XXXX Open Date [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX Open Date [ XX/XX/year> ] XXXX. XXXX XXXX  XXXX Open Date [ XX/XX/year> ]

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

Complaint narrative:
Transunion is not showing the correct information re XXXX XXXX  acct ending in XXXX. XXXX is showing no late payments payments as agreed see 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 2025-02-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity fraud and my personal information has been exposed in a EQUIFAX data breach. There are fraud accounts that are reporting on my credit report as hard inquiries. I have not applied for any credit or credtlines and these accounts are not mine. These are the fraud accounts reporting on my credit report listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE ALSO ACCOUNTS OVER 12 MONTHS OLD LISTED BELOW THAT I WOULD LIKE REMOVED UNDER FCRA SECTION 605 ( C ) STATES THAT ANY ACCOUNTS OR INQUIRIES OVER 12 MONTHS OLD SHOULD NOT REPORT AND BE AUTOMATICALLY REMOVED. I WOULD ALSO LIKE ALL ACCOUNTS REMOVED WITHIN 4 DAYS UNDER FCRA SECTION 605 ( B ). 

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 XXXX XXXX XXXX I HAVE ATTACHED IDENTITY VERIFICATION DOCUMENTS TO VERIFY IDENTITY AND TO INSURE NO DELAYS IN INVESTIGATION OF REMOVAL PROCESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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

Complaint narrative:
In XXXX I was injured at XXXX XXXX where I resided. Injured my XXXX  which has resulted in over XXXX XXXX  since XXXX and cost me work and placed me in financial distress. I was awarded a settlement of $ XXXX from the property for the injury and was allowed to move from the property without fee or fines. Property management agreed to allow me to break my lease and leave the property due to the inability to still live in the unit due to the stairs that I could no longer climb to access my unit. now in XXXX when I am preparing to purchase my first home I am being held up due to a debt that no one can tell me what it is why its there or anything the leasing office informed me that they don't even have a file on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Bread Financial who is the issuer of my XXXX XXXX credit card sent me an email today XX/XX/year> advising me to add my credit card to my digital wallet, use it digitally three times at XXXX or outside of XXXX ( it is a XXXX XXXX ) and I would recevie a {$10.00} XXXXXXXX XXXX XXXX XXXX I tried numerous time to add the credit card to my XXXX and XXXX XXXX, receivng a message to contact my issuer. I called the credit card company and spent 2 hours on the phone today!! I was told they could send me a new card, I asked what would that resolve? No answer. I escalated to a supervisor who told me that my credit card was not eligible to be added to my digital wallet. I asked how could they send me an email ASKING me to add it and it incentivize me to do so and not honor it? No resolution. I was trasnferred to their digital team who told me this was due to a XXXX issue and not their fault! I advised the credit card issuer that I was going to file a complaint with the CFPB this was unfair and deceptive. The agent XXXX advised me to file the complaint! I asked if they could issue the {$10.00} credit to my XXXXXXXX XXXX XXXX account since this was not my fault, they told me no. I advised that a 2 hour phone call with numerous agents has cost the company more than {$10.00}. I contacted XXXX who advised me this was not thier issue and I had to contact the issuer, XXXX transferred me back to the credit card issuer who provided me with a XXXX phone number. XXXX advised this was not their issue and to contact the credit card issuer! I have spent entirely too much time attempting to accept the credit card offer the issuer provided and am unable to due to their systems issue with not allowing my card to be stored in my digital wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( WFBNA Card ) Has violated my rights. Under 15 USC 1681 section 602 states, I have the rights to privacy 15 USC 1681 Section 604a Section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purposes

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 2025-02-05 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 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 a redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I'm filing this compliance against Cash App ( Block Inc ) due to inadequate customer service and lack fair practices which violates the consumer financial protection act. 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 funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX Balance {$130.00}

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 explanation
Consumer complaint received 2025-02-05 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: MS

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX Balance {$130.00}

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

Complaint narrative:
On XX/XX/XXXX XXXX I paid my credit card bill with XXXX XXXX XXXX and the information reported to the credit bureaus was incorrect and inaccurate. Due to the incorrect information it caused significant changes to my credit report impacting my credit score negatively.I filed for a dispute and my investigation was denied. However at the end of my billing closing cycle date my balance was paid down {$69.00} out of {$1500.00} XXXX XXXX XXXX XXXX XXXXMy balance was {$69.00} and the information reported was {$1100.00}. Failing to correct this error is violation of the law of FCRA.

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

Complaint narrative:
I recently reviewed my credit report and noticed several inquiries that I do not recognize or authorize. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove any that can not be verified as authorized by me. 

The disputed inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Since I did not authorize these inquiries, I request that you remove them from my credit report immediately.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I paid off my entire balance on XX/XX/XXXX, in the amount of {$2800.00}. On XX/XX/XXXX, my account was updated to reveal that I still owed {$76.00}. So, I paid off the remaining balance. Unfortunately, Prosper changed my credit limit from {$2800.00} to {$500.00}. They are not providing me with information as to why this drastic change was made.

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