vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, two unauthorized online withdrawals totaling XXXX were made from my Money Network account. I discovered the missing funds on XX/XX/XXXX, and immediately filed a fraud dispute with Money Network. I was informed that I would be mailed a dispute form, which I needed to return within 10 days to proceed with the investigation.However, instead of receiving the form, I received a letter dated XX/XX/XXXX, XXXXust one day after filing the disputestating that the investigation had been closed. At no point have I lost possession of my bank card, and I did not authorize these transactions. This indicates that the fraud was committed through some form of hacking or unauthorized access to my account information.Since then, I have made multiple attempts to speak with someone from Money Networks fraud department, only to be told that no such department exists. I have submitted a written appeal along with supporting documentation and a detailed explanation of the situation. My appeal clearly outlines how I complied with all requirements under Money NetworkXXXX XXXX Liability Policy, which is meant to protect consumers from unauthorized transactions. Despite this, the company has failed to investigate and resolve the matter or return the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617.

Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Accounts : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
53rd bank incorrectly recalculated my mortgage to include un-owed county taxes ( we have an XXXX XXXX Texas XXXX XXXX ). This occured in XX/XX/XXXX and the bank corrected the mistake and refunded surplus payments paid. It occured in XX/XX/XXXX and the same correction occured and refund paid back to us. However, this happened a thrid time in XX/XX/XXXX raising our mortgage payment from ~ {$1200.00} to {$2600.00}..... all increases were to 'recover unpaid taxes ' even though 53rd 'knows ' and has our Tx XXXX XXXX forms. Our normal payment went thru, was insufficient to the miscalculated payment request and repeated phone calls and discussions did not result in corrections.... rather demands were made that we had to pay the {$2600.00}.... even though they had prior evidence of the error in their hands. So they refunded the correct payment and declared us to be near default assessing late fees. They would not reduce the payment and insisted they will continut to try and collect un-owed taxes unless we delete the Escrow account by paying {$11000.00} in back taxes. We emptied our savings, paid 53rd.... on XX/XX/XXXX and that day, ordered the escrow account deleted...... but they did not process any of this until XXXXXXXX requiring us to pay another inflated payment. The automatic correct payment was marked by 53rd as 'unapplied ' as insufficient and refunded making us late. We have told 53rd they owe us the back taxes of {$11000.00} but say only they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
I noticed several hard inquiries on my credit report that I did not authorize. I never gave anyone permission to pull my credit, and I dont recognize the companies listed. This is very concerning, and I believe these inquiries were made without my consent, possibly even fraudulently. 

These unauthorized inquiries are hurting my credit score and creating stress about the security of my personal information. Im asking that these be investigated and removed as soon as possible. Id also like to know who pulled my credit and why. 

Thank you for helping me get this resolved

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 2025-04-30 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: CA

Complaint narrative:
I noticed several hard inquiries on my credit report that I did not authorize. I never gave anyone permission to pull my credit, and I dont recognize the companies listed. This is very concerning, and I believe these inquiries were made without my consent, possibly even fraudulently. 

These unauthorized inquiries are hurting my credit score and creating stress about the security of my personal information. Im asking that these be investigated and removed as soon as possible. Id also like to know who pulled my credit and why. 

Thank you for helping me get this resolved

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 2025-04-30 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: CA

Complaint narrative:
I noticed several hard inquiries on my credit report that I did not authorize. I never gave anyone permission to pull my credit, and I dont recognize the companies listed. This is very concerning, and I believe these inquiries were made without my consent, possibly even fraudulently. 

These unauthorized inquiries are hurting my credit score and creating stress about the security of my personal information. Im asking that these be investigated and removed as soon as possible. Id also like to know who pulled my credit and why. 

Thank you for helping me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-30 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: NC

Complaint narrative:
On XX/XX/year>, a new address XXXX XXXX XXXX, XXXX, NC XXXX appeared on my TransUnion credit report. This address is not associated with me and is the result of identity theft connected to a fraudulent account being reported by XXXX XXXX XXXX XXXX  XXXX XXXX. 

On XX/XX/year>, I submitted a formal identity theft dispute to TransUnion, identifying the XXXX account as fraudulent. I provided an FTC Identity Theft Report, a sworn affidavit, and proof of identity, in accordance with FCRA 605B. 

Despite this, on XX/XX/year>, TransUnion responded by verifying the account as accurate and rejecting my dispute. That same day, I submitted a second dispute and also formally requested documentation under FCRA 611, including : The method of verification used ; The name and address of the data furnisher ; and Any documentation showing how my dispute was evaluated. 

TransUnion has not provided any of this information. 

On XX/XX/year>, I received a written notice from TransUnion declining to block the XXXX account under FCRA 605B, citing reasons that are either factually inaccurate or unsupported. 

On XX/XX/year>, I submitted a third dispute by phone, requesting this matter be reinvestigated again. The account was again verified as accurate, without proper explanation or supporting documentation. 

As of today, the fraudulent account and the unauthorized address XXXX XXXX XXXX, XXXX, NC XXXX both remain on my credit report, despite clear documentation proving identity theft and prior removal of unrelated fraudulent addresses. 

I am also a class member in the XXXX v. TransUnion lawsuit, which addresses TransUnions failure to protect consumers from inaccurate reporting and mishandling of identity theft disputes. I believe I am being continuously harmed by the very misconduct that led to that case. 

I have included a single, organized XXXX in this complaint submission for the CFPB to review, containing all relevant documentation. This includes my FTC Identity Theft Report, affidavit, proof of identity, TransUnions block denial letter, credit report excerpts, and dispute communications. This is being submitted to ensure that my dispute is properly handled this time, as part of the re-dispute initiated on XX/XX/year>. 

I respectfully request that the CFPB investigate this matter and compel TransUnion to : Permanently block and delete the XXXXXXXX XXXX XXXX XXXX XXXX XXXX account ; Remove the fraudulent address ; Provide all documentation as required under FCRA 611 and 605B ; and Be held accountable for its failure to conduct a lawful 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 non-monetary relief
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
In XX/XX/XXXX, I discovered several accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft or fraudulent use of my personal information. 

The fraudulent accounts include : XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Credit Card Opened on XX/XX/XXXX XXXX XXXX XXXX  Credit Card XXXX on XX/XX/XXXX XXXX XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX Card Credit Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Buyer Opened on XX/XX/XXXX I did not apply for or authorize any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-30 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
Inaccurate information. Only 30 days shown. Not given bank statements or transactions since accounts were first established. Only given last 30 days Not my responsibility if information isn't provided and I'm unable to dispute fraudulent transactions on my accounts. Because collections is withholding and refusing to find the transactions given for each account. 

Also contact me after Cease and Desist letters were clearly sent by mail. In writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

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 2025-04-30 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: NY

Complaint narrative:
After reviewing a copy of my credit report I am upset to have found that I have been a victim of identity theft. I do not recognize these accounts and they are significantly impacting and affecting my ability to obtain credit

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