vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint.The fraudulent accounts are listed in the attachment. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the accounts listed are the results of identity theft and fraud.

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 2025-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX2024XX/XX/XXXX XXXX2024 XX/XX/XXXXXX/XX/XXXX-2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Child Support Accounts Reporting Violation of FCRA To Whom It May Concern, I am formally disputing inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which grants me the right to dispute and have unverifiable or inaccurate information removed. 

The following account is fraudulently reporting under my name : Creditor Name : XXXX XXXX XXXX Attorney Account Type XXXX XXXX XXXX  Amount Owed : {$15000.00} Credit Bureaus Reporting : EXPERIAN, XXXX AND XXXX I XXXX not have any children and, therefore, do not owe any XXXX XXXX obligations. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX, where I spoke with a XXXX XXXX XXXXXXXX, who verified that I do not have any outstanding child support accounts. She also confirmed that my information was mistakenly associated with another individual with the same name who actually owes this debt. Furthermore, the XXXX explicitly stated that their agency does not report to credit bureaus, making this entry both inaccurate and unauthorized. 

Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain accurate information. Because this account does not belong to me and is based on mistaken identity, I am demanding its immediate and permanent deletion from my credit reports.

I expect a written response within 30 days as required by FCRA 15 U.S.C. 1681i ( a ) ( 1 ). If this inaccurate information is not removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney XXXX XXXX for violations of federal law. 

Please investigate this matter and provide written confirmation once the fraudulent account has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
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. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. The account has been paid in full. XXXX and XXXX shows the account being deleted. 

I looked at my Transunion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

15 U.S.C. 1681B ( 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.

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 2025-02-07 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:
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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-07 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: FL

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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-07 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: CO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate information that remains on my credit report, despite my previous attempts to resolve these errors. My experience aligns with the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian ( Case No. 8:25-cv-00024 ) on XX/XX/year>, in which the agency alleged multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

Specifically, Experian has failed to conduct reasonable reinvestigations, misrepresented the nature of my dispute to furnishers, and continued reporting inaccurate information in violation of my rights under federal law.

Accounts/Items in Dispute XXXX XXXX XXXX XXXX Fraudulent Account XXXX XXXX XXXX XXXX - Fraudulent Account XXXX XXXX XXXX XXXX - Fraudulent Account Violation of FCRA Requirements Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of any disputed information. However, according to the CFPB lawsuit, Experian has a pattern of : Failing to forward all relevant dispute details and supporting documents to furnishers.

Relying uncritically on furnishers responses, even when they are illogical or inconsistent.

Sending consumers misleading or unclear results regarding dispute investigations.

Allowing previously deleted inaccurate information to be reinserted onto credit reports.

My Legal Rights & Requested Action Pursuant to the FCRA, I request that Experian : Conduct a proper reinvestigation of my dispute by forwarding all relevant information and supporting documentation to the furnishers.

Provide me with a written statement detailing whether the disputed information has been corrected or deleted.

Immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report.

Cease the reinsertion of any deleted inaccurate information unless it complies with the certification and notification requirements under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with a free updated copy of my credit report once the disputed items have been resolved.

If Experian fails to properly investigate and correct my disputes in compliance with federal law, I am prepared to file a formal complaint with the CFPB and seek legal action for damages under 15 U.S.C. 1681n and 1681o.

I have attached copies of supporting documents ( credit report, correspondence, payment records, etc. ) to substantiate my dispute. Please respond to this dispute within the 30-day period required 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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Credit Reporting from Experian failed to fulfill its legal obligation under the Fiat Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed the disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians 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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I filed a formal complaint with Chase Bank regarding a fraudulent transaction on my business account. Initially, I was instructed to sign a form to initiate an investigation, but no further guidance was provided. Chase Bank initially credited my account with {$9000.00} to cover the reported fraud. However, after a month, they reversed this credit, causing significant concern about meeting payroll obligations. 

Upon visiting a Chase Bank branch, I was informed that I needed to upload all relevant documents pertaining to the fraud for a proper investigation. It appeared that Chase Bank had conducted their initial investigation without sufficient evidence. I promptly uploaded all necessary documentation and contacted XXXX XXXX, the receiving institution, for further assistance. 

After a thorough review, XXXXXXXX XXXX  advised me to request that Chase Bank issue a late return request to facilitate the recovery of my funds. Despite this recommendation and the provision of additional documentation, Chase Bank has declined to review the uploaded materials or reopen my case. This situation has left me in a challenging position, unable to resolve the fraudulent activity on my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: VA

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 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) due to the sudden and unjustified closure of my account on XXXX XXXXXX/XX/year>, without prior notification. As a result, I am unable to transfer my XXXX  and stock holdings to another brokerage, effectively forcing me to sell my assets and realize a taxable event against my wishes. 

Details of the Issue : On XX/XX/year>, I discovered that Cash App had closed my account without any prior warning or explanation. Following the closure, I attempted to transfer my XXXX ( XXXX ) and stock holdings to another brokerage, but Cash App has blocked all outbound transfers. I contacted Cash App support multiple times, requesting an explanation and the ability to transfer my funds to an external brokerage. They have only responded with generic, automated responses stating that I violated their Terms of Service but refuse to specify which terms I allegedly violated. 

After I submitted an appeal, Cash App sent a boilerplate response that included instructions on how to transfer my fundsdespite the fact that my closed account does not allow transfers. This demonstrates either gross negligence or a complete failure to review my account status before responding. 

I am deeply concerned that Cash App may delete my account entirely and attempt to confiscate my funds. 

Attempts to Resolve : I have made multiple attempts to work with Cash Apps support team, but they continue to dodge my inquiries, provide vague responses, and refuse to allow me access to my own funds. 

I have also escalated my complaint to the XXXX XXXX XXXX XXXX XXXX XXXX and FINRA, but Cash App has yet to provide any clear justification for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I was summend to court but missed the date but the magistrate clerk sent me the judgement amount to pay which was {$7300.00}. He then ordered the account closed in XXXX. A judgement was place me. Since that day Mariner Finance has tacked on fees which now equal {$14000.00} and the account is closed and charged off. All XXXX credit bureau are allowing the account to continue to occur fees even though the judge ordered it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

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 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I sent in a request for a debt validation letter via email & mail I received a email back stating they would send the debt validation letter and they have never sent over anything but it is on my credit & im clueless to what it ts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MS

Complaint narrative:
Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) Request for Removal of Fraudulent Accounts Identity Theft Victim CC : Federal Deposit Insurance Corporation ( FDIC ), The Consumer Affairs Division, Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) The following fraudulent accounts and inquiries were created without my knowledge, authorization, or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand that Equifax take the following corrective actions immediately ; permanently remove all fraudulent accounts and hard inquiries associated with this identity theft, cease and desist from reinserting fraudulent accounts on my credit report without prior written notice as required under the FCRA, provide me with written confirmation that these accounts and inquiries have been permanently removed, conduct a full security review to ensure that my personal data is not being repeatedly misused due to XXXX XXXX breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
My XXXX XXXX was discharged because I had XXXX XXXX qualified payments on XX/XX/XXXX. 
In XX/XX/XXXX, the loan reappeared on my credit. 
Can you help me get MOHELA to remove it? They don't think I am their customer anymore becuase they have changed hands and my account was discharged and closed.

I only can get info from US Dept of Ed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation