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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Transunion Dispute Department, I am writing to formally dispute inaccurate information on my credit report under XXXX XXXX XXXX XXXX ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( XXXX XXXX XXXX ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, even though the balance has remained the same ( {$1000.00} ) with no new activity. 
Under the FCRA, creditors must report accurate information. If no payments were made or missed after the initial charge-off, continued delinquency markings are inaccurate and misleading. 
This creates a false impression of ongoing non-payment, artificially damaging my credit score in violation of XXXX XXXX XXXX ( a ), which prohibits misrepresenting the status of an account. 
Improper Reporting of Account Terms ( XXXX XXXX XXXX ( b ) ( 6 ) Accuracy of Information ) The account is reported as having a " XXXX XXXX, '' yet it has been reported as delinquent for over a year. 
If the account was charged off or placed in collections in XXXX, it should not continue to reflect monthly new delinquencies as if I were missing payments each month. 
This violates XXXX XXXX  XXXX ( b ) ( 6 ), which requires credit information to be reported with accurate details about the terms and obligations of an account. 
Violation of My Consumer Rights Under XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX Furnishing of Credit Information requires that credit information must be correct and updated. The erroneous delinquency reporting violates this rule. 
XXXX XXXX XXXX Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 ( 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Per XXXX USC XXXX ( I ) I am formally requesting a procedural reinvestigation of inaccuracies on my credit report which have adversely affected my ability to obtain credit. 
Per XXXX USC XXXX ( b ) Accuracy of Report : Equifax must follow reasonable procedures to ensure maximum accuracy and that any unverifiable or inaccurate information must be corrected or removed within 30 days of a formal dispute. 
Please verify and validate the following accounts : XXXX XXXX Charge Off on XXXX & XXXX Missing pymt. history Credit limit reporting on closed account Available credit reporting on closed account XXXX XXXX XXXX XXXX reporting on closed account Available credit reporting on closed account XXXX XXXX Credit limit reporting Available credit reporting Missing payment history XXXX XXXX 60 days late in XX/XX/XXXX, on time XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Available credit reporting 60 days late in XX/XX/XXXX on time in XX/XX/XXXX XXXX XXXX XXXX Credit limit reporting Available credit reporting Please provide the following : -Ownership or entitlement of a certificated security which requires original documentation or proper assignment. ( XXXX XXXX ) -Original Documentation to validate the accuracy of alleged debt. Copies or electronic reproductions are insufficient ( XXXX XXXX ) -Proof I was notified of alleged debt in a timely manner and given the opportunity to dispute, arbitrate or settle issue. 
-The business names and addresses of all entities used to verify and validate information in question to allow me to follow up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX XXXX '' of the XXXX XXXX XXXX, On XXXX XXXX XXXX XXXX the company NAMED : XXXX XXXX XXXX XXXX WITHOUT A LEGAL AUTHORIZATION Towed THE XXXX XXXX ESCALATE FROM A PRIVATE PROPERTY..

..WE WERE LOOKING THE CAR THINKING WAS STOLED CALLED ALLIANT CU THE SAME DAY XXXX XXXX XXXX XXXX XXXX and a Banker. Named XXXX Picked UP TELEPHONE notified us they did not have the Auto .therefore we were looking fur XXXX weeks thinking was stolen..the. Since was XXXX week and XXXX XXXX XXXX took time to found out ILLEGALLY XXXX XXXX XXXXXXXX TOOK IT .THEN THE SAME TOWING COMPANY WE Found OUT IS AFFILIATE WITH ALLIANT CU THEY REPOSES CARS FOR ALLIANT CU .ON THE PAST .THINIS WHAT LATER HAPPENED..SOME ONE I DO AUTHORIZE WAS CALLING THE TOWING COMPANY EVERY WEEK LETTING THEM KNOW WE INTENT TO RELEASE THE TRUCK.BUT Before THE 30 DAYS I DO HAVE AS A OWNER TO RELEASE THE CAR ... THE TOW COMPANY MADE A BAD DESICION THEY Decide TO CALL THEIR AFFILIATE ALLIANT CU TO DELIVER HE CAR NOW THEY CONVERTED THE CASE FROM Towed IN TO IMPOUNDED Status THEREFORE THEY Received TRIPLE MONEY FEES BUT THE TIME I TRIED TO Release IT WAS {$840.00} NOW THEY COLLECTED FROM ALLIANT C U TOTAL OF, {$2500.00} .IN THE FIRST PLACE THEY Didn't HAVE Legal AUTHORIZED Reason TO TAKE IT THEN THEY Didn't GAVE CHANCE TO THE OWNER TO RELEASE IT WHAT A NICE Way TO Make money.. 


THE BAD NEWS IS ALLIANT CU HAVE THE AUTO THEY ARE NOT ALSO GIVING A DETAIL DOCUMENT ABOUT THE FEES THEY PAID TO XXXX XXXX XXXX XXXX Requested MANY TIMES WE INVOICE But they said they only can provide verbal number s We need a invoice about towing fees the paid Also ALLIANT CU PUT FIR SALE THE CAR FIR XX/XX/XXXX ALLIANT IS NOT GIVING ME 21 DAYS I LEGALLY HAVE YO Redeem THE CAR IM STICKED I NEED Desperate HELP!!!! PLEASE HELP HELP TO.STOP THE SUCTION IS SET UP FIR XX/XX/XXXX THE TOWING COMPANY HAS TO BE RESPONSABLE FOR ALL THE FEES THEY HAVE TO Refund XXXX XXXX THEY RECEIVED SINCE WAS UNAUTHORIZED TOWED. 

I NEED HELP Obtain A INVOICE FROM TOW FEES SEND ASAP VIA EMAIL IS IM FILE FROM ALLIANT CU NEED HELP TO STOP SUCTION TIL SLL THE FEES ARE CLEAR From XXXX XXXX XXXX XXXX NEED HELP ALLIANT CU Receive back THE ILEGAL FEES PAID TO XXXX XXXX XXXX  I'm

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

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: CA

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

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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I never opened a loan with this company. I am a past employee of the company and while employed I opened a personal credit card and personal checking account, but I never applied for any type of line of credit. I spoke to a representative with the company and they said they would open a fraud case, but I never heard anything more until I recently reviewed my credit report and noticed this false inaccurate information reporting under my name. When I worked there we had many cases of false account openings and I dealt with many clients that were victim of account fraud. This company needs to be held responsible.

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: NC

Complaint narrative:
I am filing a complaint against Block , Inc., better known as Cash App, due to inadequate customer service and unfair practices violating the Customer 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Letters have been sent to company XX/XX/year> XX/XX/year> and XX/XX/year> information just comes back as verified. Submitted letter for proof of how they verified no response.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Letters have been sent to company XX/XX/year> XX/XX/year> and XX/XX/year> information just comes back as verified. Submitted letter for proof of how they verified no 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A former room mate of mine has used my credit without my permission to get accounts. I have completed the dispute paperwork for these accounts. I know there is a lawsuit right now saying that the bureaus are not completing the disputes correctly. I want to make sure my dispute is done properly since I have completed the proper forms.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A former room mate of mine has used my credit without my permission to get accounts. I have completed the dispute paperwork for these accounts. I know there is a lawsuit right now saying that the bureaus are not completing the disputes correctly. I want to make sure my dispute is done properly since I have completed the proper forms.

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: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2025, I reviewed my credit report and noticed an inaccurate entry from PORTFOLIO RECOVERY. The account in question shows a late payment that never occurred. 

I immediately contacted XXXX XXXX on XX/XX/2025 via website app and requested a correction. I provided supporting documents,. Despite my request, the company failed to correct the error and instead " claimed the information was verified, '' " did not respond, '' or " continued reporting incorrect data ''. 

I then filed a formal dispute with XXXX and XXXX on XX/XX/2025, and after their investigation, they denied my dispute without a valid explanation. The Fair Credit Reporting Act ( FCRA ) requires that credit bureaus and furnishers ensure the accuracy of the data they report, yet my dispute was not properly investigated. 

This error has caused significant harm, including a lower credit score that affected my ability to get a loan, denied credit applications, or higher interest rates. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that PORTFOLIO RECOVERY and XXXX and XXXX conduct a proper investigation and remove or correct this inaccurate information immediately.

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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 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: MI

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

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Incorrect Bankruptcy Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute an incorrect bankruptcy record listed on my credit report. The entry reads as follows : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Public Record REF # : XXXX According to the attached letter from the United States Bankruptcy Court, District of Nevada ( dated XX/XX/XXXX ), the court does not report any information to credit bureaus. This indicates that the bankruptcy information on my credit report is inaccurate or may have been reported by a third party in error. 



I request that this erroneous information be removed from my credit report immediately, as it negatively impacts my credit standing. Enclosed are copies of : 1. The letter from the Bankruptcy Court stating they do not report to credit bureaus. 

2. A copy of the credit report showing the inaccurate bankruptcy record. 



Please conduct a thorough investigation of this matter and correct my credit report accordingly. I request a written response confirming the results of your investigation. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) never validated or verified public record. Bankruptcy court doesnt give out this information. 

15 USC 1681b ( aN ( 2 ) No consent to furnish any Bankruptcy information is EXCLUDED from Consumer Reports.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Applied to Chex systems XX/XX/XXXX and XX/XX/XXXX and spoke to XXXX of their representatives XX/XX/XXXX. Representatives told me their system was having technical difficulties on sending 1 time passcodes. Tried again today but couldn't get a reply again. And in the first place the first and second times I requested report by US mail which was ignored.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC 1681g, I ask that they be removed within 15 days. Please find the enclosed documents for your review.

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: 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:
Creditors has failed to fulfill it legal obligation under the fair credit report act ( FCRA ). To conduct a reinvestigation of disputed information on my credit report, leaving inaccurate unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXXne of the three participating credit bureaus, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX corrected nor removed disputed items despite the evidence provided causing undoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal law and my rights 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