vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance Owed : {$990.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} Date OpenedXXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.

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 2025-03-09 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: NC

Complaint narrative:
I hope you're doing well. I'm writing because theres an issue on my credit report that needs to be corrected as soon as possible. Theres some information on there that isnt mine, and its affecting my credit in ways it shouldnt be.

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 2025-03-09 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:
This account is inaccurately reporting on my credit report and causing emotional distress as it is inaccurately reporting and should be DELETED for violating my FCRA-rights. I have going back and forth with you guys and you keep saying its verified. What method are you using to verify this?? 
I have reached out over thw past few months using Disputes, XXXXXXXX XXXX, and online dispute services. 

The date is different on all credit bureaus and all have failed to show me the steps they choose to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
This account is inaccurately reporting on my credit report and causing emotional distress as it is inaccurately reporting and should be DELETED for violating my FCRA-rights. I have going back and forth with you guys and you keep saying its verified. What method are you using to verify this?? 
I have reached out over thw past few months using Disputes, XXXXXXXX XXXX, and online dispute services. 

The date is different on all credit bureaus and all have failed to show me the steps they choose to verify this information.

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 2025-03-09 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: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-09 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:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-03-09 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 formally notify you of a serious issue involving the unauthorized and fraudulent use of my identity. An account has been opened in my name without my consent, and I have no knowledge of, nor have I authorized, any such activity. This is a clear case of identity theft, and it has compromised my personal and financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NE

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-03-09 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: PA

Complaint narrative:
DUE TO A DATA BREACH AT CREDIT KARMA, MY INFORMATION WAS USED TO ATTEMPT TO OPEN A CREDIT CARD AT XXXX XXXXXXXX IN XX/XX/year>. XXXX XXXX SENT ME AN EMAIL STATING THEY WERE UNABLE TO OPEN THE ACCOUNT DUE TO MISSING INFORMATION. I WAS UNABLE TO REVIEW THE " WHY '' OR WHAT WAS BEHIND THE EMAIL BUT I CONFIRMED THIS WAS FRAUDULENT ACTIVITY. 

HOWEVER, I DISCOVERED THE INQUIRY WAS STILL REPORTED TO THE CREDIT BUREAUS. I SPOKE WITH XXXX XXXXXXXX IN XX/XX/year> AND THOUGHT THEY WERE REMOVING THE INQUIRY, BUT AS IT TURNS OUT THEY DID NOT. I CALLED AGAIN AND NOW XXXX XXXX IS REQUIRING ME TO SEND A COPY OF EVERYTHING VIA SNAIL MAIL TO DISPUTE THE INQUIRY SO THEY CAN HAVE IT REMOVED. THIS IS UNBELIEVABLE. IT IS THEIR MISTAKE ( NOT MINE ) - I DID NOT REQUEST A CREIDT CARD FROM THEM, AND IT NEVER EVEN WAS OPENED. THEY VERBALLY TOLD ME THEY WOULD FIX IT, AND NOW ARE REQUIRING EXTRA WORK FOR ME TO SEND THEM A LETTER VIA XXXX TO REQUEST THEM TO FIX IT. WHAT ERA ARE WE LIVING IN? TO TOP IT OFF, THEY STARTED ENDING MY EMAILS ON HOW TO IMPROVE MY CREDIT SCORE USING THEIR PAID FOR SERVICE.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccuracies and Request for Profile Updates** Dear Credit Bureau Dispute Department, I am writing to formally dispute inaccurate or outdated items on my credit report and request corrections to ensure my credit profile is optimized for the best possible credit score. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following items. If they can not be verified, I ask for their immediate removal.

1. Removal of Outdated Addresses and Employers** Please update my profile to reflect my current and correct information while removing outdated data : - **Current Address ( To Keep ) : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - **Addresses to Remove : ** Any previous addresses listed on my report - **Current Employer ( To Keep ) : ** XXXXXXXX XXXX  - **Employers to Remove : ** Any previous employers listed on my report XXXX. Unauthorized Hard Inquiries to Remove : ** - **XXXX XXXX** XX/XX/XXXX - *XXXX XXXX XXXX** XX/XX/XXXX - **XXXX XXXX XXXXXXXX XX/XX/XXXX - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. If you can not provide documented proof of my authorization, I request their immediate removal. 

XXXX. Negative Accounts to Dispute : ** - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Previously Late Payments** These accounts contain outdated, inaccurate, or XXXX XXXX remarks. I request that you investigate these accounts and remove any information that can not be verified. 

XXXX. Request for Positive Reporting Updates : ** In addition, I request a review of my positive accounts to ensure they are being accurately reported. Specifically : - If there are any missing or incorrect payment records, please update them to reflect my on-time payments. 
- If any accounts have been paid in full or closed in good standing, please ensure they are marked appropriately to reflect positively on my credit profile. 



I expect a written response and resolution within XXXX days**, as required by law. Please provide written confirmation once the investigation is complete. 

Thank you for your prompt attention to this matter. 

**Sincerely, ** 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 2025-03-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccuracies and Request for Profile Updates** Dear Credit Bureau Dispute Department, I am writing to formally dispute inaccurate or outdated items on my credit report and request corrections to ensure my credit profile is optimized for the best possible credit score. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following items. If they can not be verified, I ask for their immediate removal.

1. Removal of Outdated Addresses and Employers** Please update my profile to reflect my current and correct information while removing outdated data : - **Current Address ( To Keep ) : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - **Addresses to Remove : ** Any previous addresses listed on my report - **Current Employer ( To Keep ) : ** XXXXXXXX XXXX  - **Employers to Remove : ** Any previous employers listed on my report XXXX. Unauthorized Hard Inquiries to Remove : ** - **XXXX XXXX** XX/XX/XXXX - *XXXX XXXX XXXX** XX/XX/XXXX - **XXXX XXXX XXXXXXXX XX/XX/XXXX - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. If you can not provide documented proof of my authorization, I request their immediate removal. 

XXXX. Negative Accounts to Dispute : ** - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Previously Late Payments** These accounts contain outdated, inaccurate, or XXXX XXXX remarks. I request that you investigate these accounts and remove any information that can not be verified. 

XXXX. Request for Positive Reporting Updates : ** In addition, I request a review of my positive accounts to ensure they are being accurately reported. Specifically : - If there are any missing or incorrect payment records, please update them to reflect my on-time payments. 
- If any accounts have been paid in full or closed in good standing, please ensure they are marked appropriately to reflect positively on my credit profile. 



I expect a written response and resolution within XXXX days**, as required by law. Please provide written confirmation once the investigation is complete. 

Thank you for your prompt attention to this matter. 

**Sincerely, ** 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 2025-03-09 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: NH

Complaint narrative:
Good morning Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit tis my understanding that you wilivestigate these items for me to ensure accuracy. Here is the item am asking you to verify as accurate : TransUnion : XXXX XXXX XXXXXXXX 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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2025-03-09 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am filing a complaint against Central Portfolio Control , Inc. regarding their attempts to collect an unverified debt, failure to provide proper validation, and continued collection activity despite my Cease & Desist notice. They sent a letter on XX/XX/year>, stating a collection notice from them regarding a debt allegedly owed to XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$2500.00}. I do not recognize this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I exercised my legal right to request full debt validation in writing via Certified Mail. Despite my request, they have failed to provide any proof that I owe this debt, including a signed agreement, itemized breakdown of charges, and proof of assignment. In addition to requesting validation, I also sent a Cease & Desist notice under 15 U.S.C. 1692c ( c ), demanding that they immediately stop all collection activities, including phone calls, emails, and letters. I do not wish for them to continue to contact me and attempt collection, which is violating my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: AZ

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have made several attempts to inform the company that the account they are continuously reporting has been opened fraudulently submitted documents and information verifying that the account has been opened fraudulently made several attempts to dispute the accuracy of the information which they claim has been verified by a company that I have myself disputed which is capital one that they allowed someone to fraudulently open a account without proof of my identity and allowed them to open a account with a limit of {$100.00} and allowing the account to be charged {$1000.00} and seen the fraudulent activity and closed the account in less than 30 days of opening this fraudulent account

Company response to consumer: Closed with explanation