vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: MI

Complaint narrative:
There is inquiry shown on my credit report that I didn't give consent to, nor did I agree for anyone to us my personal information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  again I did not authorize nor consent to any of these companies and it needs to be removed 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 explanation
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
Equifax announced a data breach that exposed the personal information, including accounts, of XXXX XXXX people. The sensitivity of the personal information held by Equifax and the scale of the problem makes this breach unprecedented. As a result, on XXXX XXXX XXXX I reached out to all of three major credit reporting agencies ( via their websites ) and requested that all debt be removed from my credit reports under the U.S. Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX XXXX  my granddaughter met a XXXX XXXX ( no relations ) who advised her thta she could get her an apartment. She claim to be a leasing agent. I met her and she seem to be legit. I was the administrative of my grand daughter income. She asked me to send {$600.00} to XXXX XXXX for an apartment. I zelled XXXX the money. She advised that if she did not get an apartment for my grand daughter she would return the money. We did get an apartment and XXXX made promises of sending the money back. I made a complaint with XXXX and the police deprtment. XXXX asked for an arrest warrant and theeey would refund the money. I called and gave them a copy of the warrant and theey change their story. Advised me that I was out of luck because I sent the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-01-19 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: DE

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 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 2025-01-19 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:
My name is XXXX, and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions. 

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records.

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
My name is XXXX, and I am writing to explain the circumstances surrounding the theft of my identity and the resulting legal actions.

I discovered that my identity had been stolen, and someone has been using my name illegally to open accounts and engage in criminal activity. These actions were conducted without my knowledge or consent and have caused significant damage to my reputation and personal records.

Due to the severity of this matter, the District Attorney in my city/state reviewed the case and concluded that I was not responsible for the fraudulent activities attributed to my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
TransUnion has verified inaccurate information about a XXXX XXXX XXXX account on my credit report without providing clear evidence or explanation on how it was verified. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates credit bureaus to conduct a reasonable investigation and verify the accuracy of disputed information.

15 U.S.C. 1681e ( b ) : Prohibits reporting inaccurate information known to be unverifiable.

Despite multiple disputes, TransUnion has continued to report this inaccurate information without obtaining proper documentation from XXXX XXXX XXXX or explaining their verification process. This failure to comply with FCRA not only damages my credit but also erodes trust in the dispute resolution process. 

If TransUnion can not demonstrate compliance by providing evidence or a detailed explanation of their verification process, I request that this account be immediately removed or corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
**Experian Dispute Resolution** XXXX XXXX XXXX XXXX  TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the inaccuracies on my credit report that I have previously attempted to resolve, but which remain uncorrected. It has come to my attention, through my own experience and recent legal actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX ), that Experian 's practices in handling consumer disputes may not be in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am disputing the following items on my credit 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 XXXX listed have inaccuracy This account reflects inaccurate information Per the FCRA, Experian is obligated to conduct a reasonable reinvestigation into disputed items and provide clear, accurate, and timely results to consumers. However, I have experienced issues similar to those highlighted in the CFPBs lawsuit, including : - Failure to properly investigate and resolve disputes, resulting in the continued presence of inaccurate information on my credit report. 
- Lack of clear and understandable communication regarding the outcome of disputes. 
- Over-reliance on furnishers ' responses without appropriately considering the supporting documentation I provided.

I request that Experian : 1. Conduct a thorough and reasonable reinvestigation of the disputed items in compliance with the FCRA.

2. Provide me with a clear and detailed explanation of the investigation results, including any changes made to my credit report.

3. Remove or correct any inaccurate or unverifiable information as required by law.

If these issues are not resolved to my satisfaction, I am prepared to escalate my complaint to the CFPB or seek other legal remedies.

Please confirm receipt of this letter and provide a response within 30 days, as required by the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting to all 3 credit bureau 's as of XX/XX/XXXX i owe them {$190.00}. This is not my account and I have disputed this before. It was originally with Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. THIS IS NOT MY ACCOUNT IT NEVER WAS MY ACCOUN TO BEGIN WITH, T IT WAS ON MY REPORTS FOR 7 YEARS AND NOW THEY SOLD IT AND A NEW COMPANY I NEVER HEARD OF IS SAYING I OWE THEM NOW, ITS FRAUD! PLEASE MAKE THEM STOP! I HAVE ALSO BEEN EXPOSED TO SEVERAL DATA BREACHES, THIS IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
There were fraudulent transactions on my cash app and cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My information was exposed in a data breach and I need to remove all the stuff they put on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to express my concerns regarding Experian not properly investigating disputes and failing to remove or reinsert errors on my report. I have requested the removal of discrepancies within in my report numerous times and Experian has failed to investigate my claims adequately. There are multiple addresses, phone numbers and accounts that have never been tied to me on my consumer report. The CFPBs findings indicate that Experian was negligent in protecting very sensitive information and its consumers and has also been the reason for many denials with banks, housing and loan companies. Seeing as though my information was also leaked with XXXX back in XXXX, Experian should have been more diligent in handling such sensitive information. This raises serious concerns regarding consumer safety and identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
I have inquires that i did not authorize and that i tried to resolve and til this day they are still reporting on my credit report which is hurting my score to get approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: AL

Complaint narrative:
So basically my account was hacked and over {$3000.00} was taken from me. I reached out to cashapp to see what I can do to get my money back but I had no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Compliance FCRA 15 U.S.C. 1681i & Inaccurate Information on Credit Report Dear Experian I am writing to express my concern regarding my recent credit report, and to request your prompt attention to some issues related to a dispute I filed with your agency. Upon reviewing my credit report, I have found that certain items have not been properly handled in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I believe these matters require immediate attention. 

As a consumer reporting agency, Experian is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Im 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 Fraud 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 2025-01-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX  [ XXXX XXXX ] [ XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ] [ XXXX XXXX XXXX  XXXX ] [ XXXX ] XXXX XXXX XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute several hard inquiries that have been reported on my credit report, as outlined under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( n ). I believe these inquiries were made without my consent and do not reflect my actual credit-seeking behavior. 

The following inquiries were reported : XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXXXXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX - Reported XX/XX/XXXX XXXXXXXX XXXX XXXX- Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request the removal of any inquiries that were not authorized by me. I did not authorize these inquiries, and therefore, I request that you investigate these matters and take appropriate action to remove them from my credit report. 

Please provide me with a written response to this dispute within the time frame required by law. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 2025-01-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX  [ XXXX XXXX ] [ XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ] [ XXXX XXXX XXXX  XXXX ] [ XXXX ] XXXX XXXX XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute several hard inquiries that have been reported on my credit report, as outlined under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( n ). I believe these inquiries were made without my consent and do not reflect my actual credit-seeking behavior. 

The following inquiries were reported : XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX - Reported XX/XX/XXXX XXXXXXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX Reported XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request the removal of any inquiries that were not authorized by me. I did not authorize these inquiries, and therefore, I request that you investigate these matters and take appropriate action to remove them from my credit report. 

Please provide me with a written response to this dispute within the time frame required by law. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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