vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MS

Complaint narrative:
Missing funds from my cash app account. Funds were taken out unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX  To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 
Personal Information NAME : XXXX XXXX I am XXXX XXXX XXXX. If you have any listings with differently spelled names, please delete them immediately so the information you have on file for me is accurate. 
CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2025-01-28 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:
For the months XX/XX/year>, XX/XX/year>, and XX/XX/year> I have submitted multiple disputes along with FTC identity theft report proving I am a victim of identity theft. I have yet to receive any updates regarding the multiple disputes I have submitted both online and via postal mail. 

There are fraud accounts reporting on my credit bureaus per 15 USC 1681b Any information reporting that is false is considered as Identity theft. My attachments indicate the accounts that need to be removed from all 3 credit bureaus immediately. All collections and charge off accounts must be removed from my credit report. I did not do business with these companies nor was i aware of these accounts prior. 
Please remove the fraudulent accounts from my credit report as soon as possible. This inconvenience is hindering life.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I have used cashapp for years. When I first opened the account. I would have friends and family send me money and the funds were never available. I would call and there was no one to answer. I once called and had to give my information over the phone to someone. I never received the funds that were sent prior but the balances after started to show in my cashapp account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
I came across the XXXX XXXX lawsuit. I was negatively impacted, hurting my chances at a credit offer. I received a response to my earlier dispute that the accounts were verified. Come with the receipts or be quick to delete. Please delete these accounts from my credit report as soon as possible

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: CT

Complaint narrative:
After reporting fraud on my account, the credit card company naturally closed the credit card and was supposed to issue me a new one that I never received. After 10 business days of not receiving the new replacement card in the mail, I reached out to the company who told me " we are not issuing new cards at this time. It has been about a year and a half now and they are holding my {$300.00} for my security XXXX  XXXX. I have requested for the account to be closed and the security deposit to be returned to me however, I keep getting the runaround or no reply whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
Subject : Final Demand for Verification and Proof of Charge-Off Dates for Disputed Accounts Dear TransUnion, I am writing regarding my ongoing disputes about the inaccurate reporting of two accounts on my credit report : XXXX XXXX XXXX  XXXX Account No. ending XXXX ) XXXX XXXX XXXX ( Account No. ending XXXX ) To date, I have provided documentation showing that settlements were made on these accounts prior to the reported charge-off dates. Your responses to both my direct inquiries and my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) have failed to address my specific concerns. 

Your failure to provide adequate documented proof of the charge-off dates and validate your reporting violates my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-28 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: NJ

Complaint narrative:
After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to my credit transactions that I have made. These are Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block the information appearing on my consumer credit report, which has resulted from inaccurate and false reporting. Specifically, TransUnion failed to properly verify this information within thirty ( 30 ) business days of receiving my request. 

The inaccurate and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collections to appear on my consumer FICO credit report. I have attached a list of the fraudulent hard inquiries as well as a copy of my consumer FICO credit report maintained by TransUnion, showing these inaccurate items. 

I do not recognize any of the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
XXXX XXXX and TransUnion have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where XXXX XXXX and TransUnion have neither corrected nor removed disputed accounts, as their inaction 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
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-28 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: MD

Complaint narrative:
XX/XX/scrub> 2007 {$12000.00} XX/XX/year>2007 {$8600.00} XX/XX/year>2007 {$3600.00} XX/XX/year>2007 {$3000.00} XX/XX/year>2007 {$1900.00}

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 2025-01-28 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: MD

Complaint narrative:
XX/XX/year>2007 {$12000.00} XX/XX/scrub> 2007 {$8600.00} XX/XX/scrub> 2007 {$3600.00} XX/XX/year>2007 {$3000.00} XX/XX/scrub> 2007 {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX ofXX/XX/XXXXI received a subpoena from Midland Creditor. This subpoena was issued by XXXX XXXX XXXX. The court date was around or between XX/XX/XXXX XX/XX/XXXX. Due to health issues I reached out to Midland Credit and XXXX XXXX XXXX asking for a later court date due to health issues. A future court date was granted and I was never notified of that date. There was an open line of communication between myself and Midland during this court period. Midland Credit went behind my back and asked for a judgement against me. When I had no knowledge of the new court date. Midland used deceptive tactics to collect a debt that did not originally belong to them. Midland purchased my debt from XXXX XXXX with ill-gotten intentions to capitalize of me the consumer. I've tried reaching out to Midland to resolve this issue and no success. Midland has acted as a third party to terrorize me with bullying tactics. Today XX/XX/XXXX I reached out to Midland Credit to once again resolve an issue that originally had nothing to do with them. The Management team threatened to exercise use of a judgement they received from XXXXXX/XX/XXXXunder deception to continue the presuit of funds they were never entitled too. This has been a nightmare dealing with a Creditor that I never signed to do any business with. I never agreed to meditate or negotiate a balance with Midland that was originally in the hands of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am formally writing to express my concerns regarding zelle 's handling of disputes. Particularly in highlight to the recent CFPB lawsuit regarding significant issues with the platform. despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. I had been informed that recovering lost funds was impossible and tracking these transactions was unfeasible. CFPB 's findings indicate that zelle has neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users like myself venerable to scams. various scam transactions were made under my zelle account with the following dates and amounts being XX/XX/scrub>/2020 {$54.00} XX/XX/year>2020 {$100.00} XX/XX/year>2020 {$200.00} XX/XX/year>2020 {$300.00} XX/XX/scrub>/2020 {$75.00} XX/XX/year>2020 {$54.00} XXXX/XXXX/2020 {$20.00} XX/XX/year>2020 {$35.00} XX/XX/year>2020 {$300.00} XX/XX/year>2020 {$40.00} XX/XX/year>2020 {$90.00} XX/XX/year>2020 {$250.00} This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXXXX/XX/XXXX XXXX University ), XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX ( 3 accounts ), XX/XX/XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Bankruptcy

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 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXXXX/XX/XXXXUniversity ), XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX ( 3 accounts ),XX/XX/XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Bankruptcy

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