vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/year> SSN : XXXX DRIVER LICENSE NUMBER : XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I hope this letter finds you well. I am reaching out to request that my personal information be added to your records. My details are provided above for your convenience. 

Thank you for your assistance in this matter. I look forward to your confirmation. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Subject : URGENT DISPUTE DEMAND DELETION OF INACCURATE CREDIT LINE ACCOUNTS ( XXXX / XXXX ) ** Violations : FCRA 607 ( b ), 611 ( c ), XXXX XXXX XXXX XXXX To Whom It May Concern : I demand the immediate deletion of the inaccurate credit line accounts ( XXXX : XXXX ; Equifax : XXXX XXXX from my credit files. These accounts contain provable inaccuracies violating federal and Texas law. Failure to comply will result in legal action and regulatory escalation. 

Critical Errors & Violations Future-Dated Reporting : Last Reported Date : XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( Equifax ) future dates as of today. 

Payment History : Shows activity for XX/XX/XXXX, which has not yet occurred ( e.g., XXXX : " OK '' in XX/XX/XXXX ; Equifax : " OK '' in XX/XX/XXXX ). 

Inconsistent Reporting : High Credit : 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 ( Equifax ). 

Date Last Active : XX/XX/XXXX ( XXXXXXXX XXXX XXXX XX/XX/XXXX ( Equifax ). 

Illogical Account XXXX : Listed as Open with a {$0.00} balance and no recent activity ( last payment : XX/XX/XXXX ). 

FCRA 611 ( c ) Violation : If these accounts were previously deleted and reinserted, you failed to notify me in writing within 5 days. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) : Misrepresenting account details ( e.g., future dates, inconsistent terms ). 

Legal Demands Permanently delete both accounts within 5 business days. 

Send written confirmation of deletion and revised credit reports. 

Cease all unlawful reporting of these accounts.

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the CFPBs XXXX Consent Order. 

Texas Attorney General Complaint : Under Texas XXXX ( statutory damages up to {$20000.00} ). 

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I am filing a complaint against Experian for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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 CFPB take action to ensure Experian complies with the necessary proof of investigation. Accounts are listed below. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Good afternoon synchrony, bank, once again failure to provide information about the card and what was taken to purchase the card you called me and explained to me that you guys were sending the card to XXXX XXXX XXXX XXXX but no, you are changing the card address to my personal address No, you are behaving suspicious. You are saying that you send out and replace multiple cards. Where did you send those cards? You did not send them to XXXX XXXX XXXX. where Ive been living for almost 8 years. let me explain to you what you say over the phone because that is on record time. Im talking to anyone. I record my conversation. You stated that you send the card to XXXX XXXX XXXX XXXX. I have never lived there neither associate myself there you stated that you verify my information down to a T all three credit bureaus of wanting in common. They have a simple note on there. Anyone is applying credit underneath my name they must contact me before they issue out that credit did you reach out to me before you open this fraudulent account and call it mines did you fraudulently ask me for my address so you can have it to cover your your fraudulent Actions so you have not provided these things sicking what was purchased with the card youre providing statements with my address that you asked me over the phone for to cover your fraudulent ask. I have no problem carrying to court because I can prove that I was not in the country when this card is open so you best that you go and find out who was living at 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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: PA

Complaint narrative:
Every time I dispute a claim with cashapp they tell me that they believe the the other business instead of me and tell I just got scam and if I pay with my cashapp card and return my item back to the store and they tell me that there going to refund my money back to my cashapp card I never get my money back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Subject : URGENT DISPUTE DEMAND DELETION OF FRAUDULENT XXXX ACCOUNT ( XXXX ) VIOLATIONS OF FCRA 607 ( b ), XXXX XXXX XXXX XXXX To Whom It May Concern : I demand the immediate deletion of the fraudulent XXXX account ( XXXX ) from my XXXX and Equifax credit files. This account contains provably false future-dated entries and violates federal and Texas law XXXX Failure to comply will result in legal action for statutory damages. 

Critical Errors & Violations Future-Dated Entries : Date Opened : XX/XX/XXXX ( impossible, as todays date is [ current date ] ). 

Last Reported : XXXX XXXX ( future dates ). 

Payment History : Shows OK and 30/60 Days Late payments for XX/XX/XXXX to XXXX XXXXdates that have not yet occurred. 

Inconsistent Reporting : Terms : 24 months ( XXXX ) vs. 0 months ( Equifax ) XXXX 

Date Last Active : XX/XX/XXXX ( Equifax ) vs. XX/XX/XXXX ( XXXX ). 

FCRA 611 ( c ) Violation : If previously deleted and reinserted, you failed to notify me in writing within 5 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misrepresenting debt details ( e.g., future dates, conflicting terms ). 

Legal Demands Permanently delete account XXXX within 5 business days**. 

Send written confirmation of deletion and revised credit reports. 

Cease unlawful reporting of this fraudulent account. 

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the XXXX CFPB Consent Order against XXXXEquifax XXXX 

Texas Attorney General Complaint : Under Texas XXXX ( statutory damages up to {$20000.00} ). 

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ). 

Contact Information Phone : XXXX Email : XXXX CC : CFPB, Texas Attorney General Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Tried to dispute a credit card balance on my credit the balance is not correct and says its been charged off also wrong dates are shown Comenity capital bank {$570.00} Disputed XX/XX/year>XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
my son had his direct deposit sent to my account after an agent gave the ok and days later the account was locked and permanently suspended, and the funds are being held. My son is a 100 % permanent and totally XXXX combat veteran who counts on the money for the livelihood of his family. His second direct deposit coming to the account was returned the veterans affairs due to this and now his mortgage, child 's daycare and school tuition, and everyday expenses are being put on hold. This billion-dollar company is putting his family in jeopardy with no regard to his already challenging live due to the loss of the entire lower right leg. {$3400.00} is being held

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

The FCRA mandates that XXXX investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). I have enclosed copies of the relevant FCRA sections for your reference. 

Please acknowledge receipt of this dispute and provide a written response outlining the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.

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 2025-01-31 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 formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including a copy of my signature or electronic signature, for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be classified as the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

Under the FCRA, XXXX is required to investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCR

A 605B ( a ). I have enclosed copies of the relevant FCRA sections for reference. Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. Failure to address these disputed items in compliance with the FCRA will leave me no choice but to pursue further action to protect my rights.

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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We buy TV from Best buy in 2020 and return with in a week due to size didn't fit in our Guestroom. 

It's {$2000.00} from XXXX credit card and still not receive refund paying interest from more than 4 years on this amount as well. XXXX Dispute/ Complaint file to XXXX still not resolve. All documents and prrof 's 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear TransUnion I am writing formally requesting The Removal of Unknown collections accounts or provided Debt Validation for the listed items on my credit report which does not belong to me. Despite my disputes, TransUnion continues to insist that the information is accurate, disregarding my rights under section 605! of the FAIR CREDIT REPORTING ACT, which mandates that credit reports reflect only accurate and verifiable information. The continued inclusion of this incorrect account is a violation of my Consumer Rights and a breach of the law. I request that TransUnion immediately remove these erroneous accounts and provide a detailed response outlining the actions taken in compliance with section 605, including any investigation findings or updates to my report. I have uploaded a copy of my police report for promptness to reporting this matter for the 30 day window. Thank You for showing attention to 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
( 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 k for these violations 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 proce 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief