vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to request an update to my personal information on my credit file, in accordance with 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ). It is imperative that consumer reporting agencies handle the information of consumers fairly, impartially, and with due respect for their privacy. 

Specifically, I request the deletion of all personal identifiable information from my credit file. Please remove any outdated or incorrect addresses that are listed on my credit report, as I can not receive mail or any correspondence at these addresses. Also, I request that all incorrect names associated with my profile be deleted. Please ensure that my address is updated to the one listed above. 

Additionally, I request the following : Employer Information : Please delete any information listed under the " employer '' section of my credit file.

Under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am a federally protected consumer with a right to privacy. Not granting me these updates would be in direct violation of the FCRA. 

Once the requested updates are made, please send me an updated copy of my credit report reflecting these changes to my address listed above. 

Thank you for your prompt 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 2025-02-01 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-01 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
While checking my credit report i notice unfamiliar inquiries. 

XXXX XXXX XXXX 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 2025-02-01 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:
I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 2025-02-01 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: NY

Complaint narrative:
Disputed transactions and I never got any information back on the case/claim. They would close it with out any investigation on the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AutoStar Finance, Inc - D/B/A Atlanta AutoStar
State: GA

Complaint narrative:
I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the 1099-C to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
I paid a person I thought was a mechanic for services through cash app. I submitted proof of texts showing I was stood up and repairs were not fixed/finished. I submitted additional correspondence. I requested funds back from the other party. Cash app opened a dispute and closed it advising not enough evidence. I asked what additional information was needed and attempted to submit more screen shots. Correspondence states dispute in process. However reflects closed. I requested all documents to support the determination of the dispute and provided my email address to submit to me. Cash app is refusing to allow me to speak with a rep. There is no correspondence/proof of my complaint I opened for my request and they have refused my request which does not seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I'm filing on behalf of the Cashapp lawsuit. I have reached out to them before and was unaware of their unlawful practices. I would like to be a part of the class action lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed a bankruptcy that is showing on my report I even verified it isnt mine with he courts but TransUnion continues to verify it as mine with no documentation to support that they did and investigation. also a random credit card from XXXX  that doesnt XXXXhave complete records and is somehow attached to the bankrupt. But nothing else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I set up an account with chime someone else help me at the time and my credentials that I had didn't match what they had the last thing I knew my account was suspended until a deposit had been made. Then come to find out my account has been active. Don't know who was using it so I had to close my account and chime will not let me open a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have two checks ( {$7500.00} per each ) I deposited in XXXX, 2024. The maker is my colleague. His check contains his old address in XXXX when he moved to US a few years ago, as he didn't update it since then. These two checks were marked as bad checks by Chase and I called to ask for reasons. One of the agents help me verify it with my colleague 's US address I provided, which matches with his US phone number. He submitted a request for me to reopen my Chase account and get my money back. Later I called Chase again and they told me that the back office denied that request as they can't verify the check with the address written on the check and it has to be that address. I asked if there are other ways we can get this resolve. They told me there is none as they can't verify a phone number with an international address in their system, so they suspend my money and can not return it. Now the money can not be returned to the maker or me. 

Chase is making a huge mistake and make my life miserable. They took away my money because of a wrong address that they can't verify and didn't provide a solution for me to resolve it. I asked if we can go to a Chase branch with the maker and his ID in person or some other ways to verify the fund, they told me no. This has been ridiculous and I need some help to get my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
Transunion continues to allow XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. They are reporting a past due amount which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: OH

Complaint narrative:
MY CONSUMER REPORT HAS SEVERAL ACCOUNTS THAT ARE REPORTING INACCURATE INFORMATION IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMENT HISTORY. ALL OF THESE ACCOUNTS ARE SHOWING DIIFERENT INORTION FOR EACH ACCOUT BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THIS A VIOLATION OF THE FCRA, THEREFORE THESE ACCOUNTS MUST BE DELETED IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YOUR COMPANY IS REPORTING SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE LATE. THIS IS INACCURATE. THSES ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE AND THE PAYMENT HISTORY IS INACCURATE. ALL OF THESES INACCURACIES ARE ON EACH ACCOUNT BETWEEN XXXX, XXXX, TRANSUNION. THESE ACCOUNTS NEED TO BE UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATEXXXX 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 2025-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been XXXX that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the 1099-C to the address above or via email.

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Urgent Dispute Resolution Request Incorrect Credit Reporting and Data Protection Concerns ( XXXX XXXX Account XXXX XXXX ) Dear Sir or Madam, I am writing to dispute and request the immediate investigation of inaccuracies in my credit report as mandated under the Fair Credit Reporting Act ( FCRA ). There are several critical issues pertaining to the XXXX XXXX account listed on my credit report that necessitate your urgent attention and action.

Inaccuracies and Discrepancies in Account Reporting : The account in question is incorrectly reported with a status of " Charged Off '' and a past due amount of {$390.00} as of XX/XX/year>. The reported balance of {$6300.00} also seems erroneous. These inconsistencies violate my rights under the FCRA, which requires that all consumer reporting agencies maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ).

Impact of Data Breaches on Personal Information : It is well-documented, including in recent legal proceedings against Experian by the Consumer Financial Protection Bureau ( CFPB ), that Experian has faced issues related to the accuracy and protection of consumer data. Moreover, the significant data breach at Equifax has heightened my concerns about the vulnerability of my personal information and the potential for incorrect data handling and reporting. 

Given these precedents, there is a reasonable basis to question the integrity of the reported information, especially when it directly impacts my creditworthiness. In light of this, I am compelled to request a comprehensive investigation into this account 's reporting. If the account details can not be verified or substantiated, I insist on their immediate removal to comply with FCRA 611.

Request for Compliance and Action : A detailed investigation of the account to verify the accuracy of the reported information.

Immediate correction/removal of the account from my credit report.

Provision of updated credit report post-investigation at no charge.

Confirmation in writing of all actions taken on this matter.

I have attached copies of relevant documents supporting my claim and evidencing my identity for your reference.

Please note that this letter serves as a notice that your failure to comply with FCRA requirements could lead to investigations by the Federal Trade Commission and legal actions on my part for any damages sustained.

Thank you for your immediate attention to this serious matter. I expect a written response within 30 days, as stipulated by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
TransUnion and Equifax updated balance of $ XXXX from my XXXX account which is correct. I checked today XXXX XX/XX/year> and both companies added the debt of $ XXXX back on my credit as a debt under XXXX  XXXX XXXX XXXX THIS IS XXXX. They are the same, the credit bureaus added a paid in full account back as a debt on my account. XXXX is an XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I WANT the $ XXXX thats paid in full showing as {$0.00} balance and updated correctly instead of showing CURRENT. This account is PAID IN FULL. The account XXXX show as 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 2025-02-01 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$0.00} - 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