vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX account number XXXX. I see that this account is CLOSED and has charge-off status and yet you are reporting a past due balance. Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that CORRECT, FAIR and COMPLETE reporting is given, as required by the FCRA Laws. I do not believe the status of this account is ACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX account number XXXX. I see that this account is CLOSED and has charge-off status and yet you are reporting a past due balance. Do you know it is a VIOLATION? I urge your agency to reinvestigate this account and ensure that CORRECT, FAIR and COMPLETE reporting is given, as required by the FCRA Laws. I do not believe the status of this account is ACCURATE.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute for Civil Negligence and Non-Compliance under 15 U.S.C. 1681-O Dear CFBP I am writing to formally dispute certain information that has been reported to you in my credit file. As per 15 U.S.C. 1681-O of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate investigation and rectification of the non-compliant and negligent practices related to my credit report. 

The specific issues I am disputing are as follows : Inaccurate Reporting of : Address XXXX XXXX XXXX XXXX XXXX ga XXXX and XXXX XXXX XXXX XXXX XXXX al XXXX should not be on my credit report. XXXX reported XX/XX/XXXX, First progress XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lending XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiries that I don't hold an account with according to Fair credit reporting act 15 USC 1681i ( a ), 15 USC 1681 ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) B.

The account referenced above shows inaccurate reporting that I believe violates the legal standards for accuracy and compliance outlined under the FCRA. The discrepancy involves [ describe the nature of the issue, e.g., incorrect balance, erroneous late payment, etc. ]. 

Failure to Correct Information Following Prior Disputes : Despite prior attempts to dispute this information, it has not been corrected, as required by law. Under the provisions of FCRA 1681i, you are legally obligated to investigate and correct any erroneous information within a timely manner ( usually 30 days ). However, this matter remains unresolved.

Negligent Handling of My Personal Data : I have reason to believe that your handling of my personal information, as outlined under FCRA 1681e, may be in violation of the legal standards for maintaining accuracy and updating records, resulting in harm to my creditworthiness and financial reputation.

As per 15 U.S.C. 1681-O, I request the following actions be taken immediately : An expedited investigation into the accuracy of the disputed items. 
Correction of all inaccurate and non-compliant information. 
A written response confirming that all issues have been addressed and corrected. 
Please also provide me with a copy of my corrected credit report reflecting the necessary amendments after the investigation is concluded. If you fail to comply with these legal obligations, I will be forced to seek further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other remedies under the FCRA. 

I appreciate your prompt attention to this matter and expect a resolution within the time frame set by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The presence of a derogatory rating on my account has created immediate and severe consequences for my financial wellbeing. Most notably, this negative mark has already led to the rejection of my recent loan application and triggered concerning increases in interest rates across my existing credit accounts. The impact extends beyond mere financial metrics, causing significant emotional distress as I grapple with the ongoing implications for my financial future and stability.

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

Complaint narrative:
XXXX XXXXXXXX XXXX # XXXX, XXXX, # XXXX XXXX XXXX # # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, they deleted all my inquiries and a company called acceptance now so they should have deleted all

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

Complaint narrative:
Subject : Formal Dispute Demand for Immediate Removal of Fraudulent Accounts Due to TransUnions Negligence To Whom It May Concern, I am demanding the immediate removal of fraudulent and inaccurate accounts on my TransUnion credit report. TransUnion has demonstrated gross negligence in handling consumer data, as evident in the CFPB lawsuit exposing deceptive and unlawful practices, and the massive data breach that compromised my personal informationboth of which have directly impacted me. 

Fraudulent/Inaccurate Accounts for Immediate Deletion : 1. The following account is not mine XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 2. The following account is not mine XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 3. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 4. The following account is not mine XXXX  XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 5. The following account is not mine XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 6. The following account is not mine XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 7. The following account is not mine XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 TransUnions Pattern of Negligence & Violations : CFPB Lawsuit : TransUnion has already been sued for failing to remove false information, deceiving consumers, and violating federal law. My case is yet another example of this reckless behavior. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) : You are legally required to block and delete fraudulent accounts within four ( 4 ) business days of receiving this dispute. 
Data Breach & Identity Theft : TransUnion failed to protect my sensitive data, which led to fraud in my name. Now, you are reporting this fraudulent information as if I am responsible for your failurethis is unacceptable and illegal. 
Demands for Immediate Action : Delete ALL fraudulent and inaccurate accounts NOW. Provide written confirmation of these deletions. 
Issue an updated copy of my corrected credit report. 
Failure to Comply Will Result in Legal Consequences : If you do not resolve this matter within the required timeframe, I will take the following actions : File formal complaints with the CFPB, FTC, and State Attorney General. 
Seek monetary damages for the harm caused by your reckless credit reporting. Pursue legal action against TransUnion for clear violations of the FCRA and failure to protect consumer data. 

I expect an immediate resolution. There is XXXX excuse for TransUnions continued failure to follow federal law and properly handle disputes. You have four ( 4 ) business days to comply and provide written confirmation of these removals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
It is the result of identity theft XXXX XXXX inquiry date 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Both Transunion and Equifax are including medical debt in my credit reports, which I did not consent to. The collection agency is listed as " XXXXXXXX XXXX XXXX  '' for the amount of {$530.00} dollars. I want this removed from my credit reports, as it has to do with private medical information and it is greatly hurting my credit score. It dropped over XXXX points since that derogatory mark has been placed there. The report of medical debt was banned on XXXX the XXXX of this year. This is absolutely unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

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

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

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

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I am a victim of Identity Theft. Lovely person charged a bill to XXXX on XX/XX/XXXX using my social security number. ( XXXX XXXX 's phone number XXXX ) I called them today and they said it was already in Collections ( XXXX XXXX at XXXX ) reference number is XXXX. This went into collections on XXXX, XXXX. The amount now is {$830.00}. I again called XXXX XXXX, and they told me to contact you because I had not gotten XXXX XXXX  until after that so they could not get involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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