vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
Subject : Credit Report Dispute FERPA Violation by Government XXXX  Loan Servicer I am writing to formally dispute an inaccurate item on my credit report regarding my XXXX loans. I have identified incorrect information related to my XXXX loans that must be investigated and corrected immediately. Specifically, the government XXXX loan servicer has violated my rights under the Family Educational Rights and Privacy Act ( FERPA ) by improperly disclosing or mishandling my educational records. Furthermore, during the XXXX XXXX, non-government employees were hired to review personal information, which further violated FERPA protections. 

Disputed Account Information : Creditor Name : XXXX Reason for Dispute : FERPA violation due to unauthorized disclosure or mishandling of my XXXX loan information by the government loan servicer, including the involvement of non-government employees who were inappropriately granted access to sensitive educational records. 

Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter and immediate corrective action, including the removal or correction of any inaccurate information resulting from this FERPA violation. 

Please provide a written response to my dispute within 30 days, as required by law, detailing the outcome of your investigation. If the disputed information is updated or deleted, I request that you send a corrected copy of my credit report. 

If you require any additional information to process my dispute, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this serious 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 2025-02-14 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: PA

Complaint narrative:
I previously reviewed a copy of my credit report and found some fraudulent accounts and this is hurting my ability to obtain credit and is against the Fair Credit Act and I would like this accounts to be removed from my credit history so I can obtain credit. Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complain against cash app ( block , inc ) due to inadequate customer service and h fair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furtermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation e. Thesecactuons 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 2025-02-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : LEGAL DEMAND FOR IMMEDIATE COMPLIANCE WITH FCRA IDENTITY THEFT DISPUTE I am writing to formally demand the immediate deletion of the fraudulent XXXX XXXX XXXX XXXX account from my credit report. Despite submitting a valid FTC Identity Theft Report, TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by continuing to report this unauthorized account. 

Violations of Federal Law Your failure to act violates the following federal statutes : 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation TransUnion failed to properly reinvestigate my identity theft dispute and continues to report the fraudulent XXXX XXXX XXXX XXXX  account. 
15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy By maintaining and reporting inaccurate and fraudulent information, TransUnion has breached its duty to ensure the maximum possible accuracy of my credit report. 
15 U.S.C. 1681c-2 Failure to Block Identity Theft-Related Information Under the FCRA, TransUnion must block fraudulent accounts within four ( 4 ) business days upon receiving an FTC Identity Theft Report. The continued presence of this account violates this federal mandate. 
Fraudulent Account to be Deleted Immediately XXXX XXXX XXXX XXXX ( Fraudulent Account ) Legal Precedents Supporting XXXX XXXX XXXX XXXX Trans Union Corp. Establishes that credit bureaus must conduct a thorough investigation before verifying disputed information. 
XXXXXXXX XXXX XXXX  XXXX XXXX Reinforces that credit reporting agencies are liable for reporting inaccurate data. 
CFPB XXXX XXXX. XXXX Demonstrates that TransUnion has been penalized for similar FCRA violations in the past. 
My Formal Demand I hereby demand that TransUnion : Immediately and permanently delete the fraudulent XXXX XXXX XXXX XXXX account from my credit file. 
Provide written confirmation that this account has been removed and will not be reinserted. 
Cease reporting this fraudulent data to any third parties. 
Failure to comply within 15 days of receipt of this letter will result in escalation of legal action, including : Filing a formal complaint with the CFPB and FTC for noncompliance. 
Seeking statutory damages under 15 U.S.C. 1681n for willful violations ( {$1000.00} per violation ), plus punitive damages. 
Pursuing legal action in federal court for negligent noncompliance under 15 U.S.C. 1681o, including recovery of attorneys fees and costs. 
This is my final notice before escalating legal action. Please send all written confirmation of deletion to my mailing address above. 

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 non-monetary relief
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

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 2025-02-14 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: LA

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 explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want reported accounts removed XXXX XXXX  ( {$4800.00} ) and ( {$1100.00} ) with transunion and experian XXXX XXXX {$750.00} with equifax XXXX XXXX XXXX  {$250.00} all 3 bureaus i have sent multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
I have been trying to dispute and remove accounts that are the result of identity theft or other information from my Experian Credit report, Sent them FTC Report and Affidavit, Police report and other documentation to support my claim, They keep responding with they verified the information and no change, they are violating the FCRA and refusing to provide me with further details such as how they verified and with whom. 

Also 2 bankruptcies show on my credit report that are not mine. The name of the bankruptcy court address and phone number is reported incorrectly and I submitted a letter from the bankruptcy court clerk stating they researched and the bankruptcys belonged to someone with the same name but was not on me, Experian refused to remove told me their data furnished XXXX XXXX provided and verified, I contacted them and they investigated and determined the accounts were not mine and delete fro my consumer profile, I Submitted this letter and documentation to Experian who keeps saying they verified with XXXX XXXX and it remains, However my file with them shows its not there. 

They are conducting sham investigations, I filed a dispute over the phone today around XXXX, on over 8 sccounts, at XXXX I received and email my disputes were complete, they stated they were able to verify all accounts and no changes were made. No way is it possible to have conducted and investigation in less then 24 hours and receive a response.

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 2025-02-14 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: GA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: AL

Complaint narrative:
On XX/XX/XXXX, I filed Complaint regarding my XXXX account ( # XXXX ) due to inaccurate late payment reporting on my credit report. The companys response, " Account was Verified, '' fails to properly address my dispute. Pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ), I challenge the method of verification used to confirm these late payments. On [ Insert Date of Initial Complaint ], I disputed several late payment accounts and submitted all required documentation to you. Specifically, XXXX reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Equifax reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXdemonstrating inconsistencies in the reporting of my payment history. These discrepancies indicate a failure to maintain accurate and verifiable records.

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 2025-02-14 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: FL

Complaint narrative:
I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize. 

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I am writing to file a formal dispute regarding XXXX unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are XXXX inquiries related to auto loan credit applications that I do not recognize or authorize. 

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : REGIONAL ACEPTANCE Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.

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 2025-02-14 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I am writing to file a formal dispute regarding three unrecognized credit inquiries on my credit report. Upon reviewing my credit report, I have noticed that there are three inquiries related to auto loan credit applications that I do not recognize or authorize.

The details of the inquiries in question are as follows : Date of Inquiry : [ Inquiry Date ] XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Entity that made the inquiry : XXXX  These inquiries appear on my credit report without my consent, and I would like to request a full investigation to have this information removed from my report. Additionally, I kindly request that you provide me with any further information that explains how these inquiries were recorded on my report. 

Attached to this letter, you will find a copy of my credit report showing the unrecognized inquiries, as well as a copy of my identification and any additional documents required, if applicable. 

I appreciate your attention to this matter and am available to provide any further information you may need. I request that you keep me informed about the progress of the investigation and the next steps.

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 2025-02-14 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. As per 15 U.S.C. 1681e ( b ), I also have the right to request that any unverified or erroneous information be removed.

The disputed account is incorrect. I request that you investigate this matter and remove the inaccurate information from my credit report as required by law. According to 15 U.S.C. 1681i, you are obligated to conduct a thorough investigation and correct or remove the disputed entry if it is found to be inaccurate. 

I would like written Verification of Debt with all Disclosure forms attached. As well as Proof that these Companies had my consent to share my information with 3rd party Companies.

If you are unable to verify or substantiate this information, I respectfully request that it be removed from my credit report as required by law.

Upon reviewing my credit report, I have noticed several discrepancies that I request be investigated and removed if found to be inaccurate. The following items need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, I request a formal investigation into the validity of these accounts and remove any inaccurate or unverifiable information from my credit report.

Please send me a written response with the results of your investigation within the time frame allowed under the FCRA ( usually 30 days ). If you are unable to verify the accuracy of this information, I expect its prompt removal from my credit report.

Thank you for your attention to this matter. 

Sincerely, 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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank closed my account and I was unaware of this as I went in the bank on XX/XX/year> because I couldnt login to my online account, and the branch XXXX, XXXX XXXX informed me my account was closed. Asked why and he didnt tell me why. He asked XXXX follow up with him which I did XXXX times and he still didnt give me any information. My account that was closed had over {$12.00}, XXXX in it and I was told I had to wait XXXX days for processing which I did and yet I wasnt given back my money. When I followed up several times with XXXX XXXX he still had no update and refused to give me back my money referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
I recently received a copy of my 3 Bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief