vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to complain about Transunion credit reporting company. Transunion imposes unreasonable obstacles to restoring my credit and interferes with my efforts to resolve credit problems. 

I have engaged a credit repair company. I understand I can contact credit reporting companies directly and don't need a credit repair company. However, I'm extremely busy and have chosen to engage XXXX. My credit was impacted when medical bills went unsatisfied during a lengthy negotiation with the insurance company covering a driver who hit me on my bike. Before that, my credit was perfect, and I am highly motivated to restore it. 

I received a letter from Transunion ( file number XXXX ) indicating that Transunion would not work with my credit repair company without my authorization. That seemed reasonable, so I called to provide my authorization. I authenticated myself by phone by providing my name, XXXX, date of birth, zip code, and the number of XXXX XXXX address. ( After providing this information to the automated system, I was told only to share my information with a human representative of Transunion. Puzzled, I waited .... ) I was told that Transunion will only work with my credit repair company if I submit a Power of Attorney document that contains my name, the name of the person appointed POA, that the XXXX name must match the name of the person submitted the request, the purpose of the XXXX, that the POA document must not be expired, and that the document must be notarized. 

This requirement is designed XXXX XXXX consumers away from pursuing Transunion 's cooperation. The elements of the XXXX have very little benefit in terms of consumer protection, and they require costs be incurred ( e.g. it costs about {$20.00} to have a document notarized in my area ). More importantly perhaps, the POA elements contains several criteria that are vague and can be used to justify a lack of cooperation ( e.g. matching the person to the POA document when only companies are hired to do this work or requiring a " purpose '' be stated when Transunion knows why a credit repair company is being engaged. ). 

If I want to appoint an agent to pursue my cause with Transunion, Transunion should confirm that the appointment is authentic and then it should cooperate.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered multiple inaccurate negative accounts and unauthorized inquiries that should not be there. Despite my efforts to dispute these errors with the credit bureaus, they remain unresolved. I am submitting this complaint to request their immediate removal under the Fair Credit Reporting Act ( FCRA ). 
There are several derogatory accounts that are being inaccurately reported on my credit file, including XXXX XXXX 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 Under FCRA 1681e ( b ), credit bureaus are required to ensure that only accurate and verifiable information is reported. Since the furnishers of these accounts have failed to provide sufficient proof that the information is accurate, these accounts should be deleted under FCRA 1681i ( a ) ( 5 ) ( A ).

Additionally, there are multiple hard inquiries on my credit report that I did not authorize. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA XXXX ( a ) ( XXXX ), a company must have my explicit consent or a legally permissible reason to pull my credit report. Since I never applied for credit with these entities, these inquiries must be removed immediately in compliance with FCRA 1681b ( f ).

I have already taken action by disputing these inaccuracies with the credit bureaus. Despite sending formal disputes, these errors remain uncorrected. According to FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must investigate disputes within 30 days and remove any unverifiable information. Their failure to do so is a violation of my consumer rights. 
To resolve this issue, I request the immediate deletion of all inaccurate negative accounts and the removal of the unauthorized hard inquiries. I also request written confirmation from the credit bureaus and furnishers that these items have been removed and that no unverifiable information will continue to be reported in the future. If these actions are not taken, I will consider legal remedies under FCRA XXXX, which allows for statutory damages in cases of willful noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
The problem is that they wont respond to me and every time I send them something asking them to check for inaccuracies they say I am someone else even though I send all of my personal documents. According to the FDPCA and FCRA everything has to be validated and reported 100 % accurately but this isnt the case.

So I have attached a letter that I want them to validate and verify and to make sure that it is reporting 100 % accurately.

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 2025-02-24 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: NY

Complaint narrative:
The problem is that they wont respond to me and every time I send them something asking them to check for inaccuracies they say I am someone else even though I send all of my personal documents. According to the FDPCA and FCRA everything has to be validated and reported 100 % accurately but this isnt the case.

So I have attached a letter that I want them to validate and verify and to make sure that it is reporting 100 % accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
United revenue are reporting to my credit report as a 3rd party agency who never received consent or had a signature on file from me. According to 15 USC 1692c you have violated my rights by unlawful communications. Please remove this collection off of my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was leaked in a data breach. My information was used to open credit cards accounts without my authorization

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My information was leaked in a data breach. My information was used to open credit cards accounts without my authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was leaked in a data breach. My information was used to open credit cards accounts without my authorization

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 2025-02-24 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





NAFCOFINANCE Account Number : XXXX Inquiry XXXX XXXX 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 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am submitting this formal complaint regarding deceptive and unethical financing practices I experienced at XXXX XXXX XXXX on yesterday, specifically involving Sales Manager XXXX XXXX. My visit to the dealership on XX/XX/year> resulted in an extremely frustrating and predatory experience that I believe warrants immediate investigation by the Consumer Financial Protection Bureau. 
During the six hours I spent at the dealership, XXXX XXXX manipulated my financing interest rate four times, each time increasing my monthly payment under false pretenses. It became apparent that I was being unfairly pitted against another potential buyer, and I have strong reason to believe that these rate changes were deliberately imposed to dissuade me from purchasing the vehicle. XXXX XXXX openly stated multiple times that another customer was interested in the car, which raises concerns about whether I was subjected to discriminatory or deceptive lending practices. 
When I questioned the discrepancies in my financing terms, XXXX XXXX responded dismissively, refusing to provide transparent explanations for the fluctuating rates. His behavior was not only unprofessional but also indicative of predatory lending tactics that exploit consumers through misinformation and pressure. 
I am formally requesting the CFPB to investigate the following : Unfair and deceptive financing practices : A thorough review of XXXX XXXX handling of my financing terms, including whether these changes were legally and ethically justified. 
Potential violations of fair lending laws : An investigation into whether I was treated differently or unfairly due to an external factor, such as the presence of another interested buyer. 
Accountability and corrective action : Ensuring that XXXX XXXX XXXX takes corrective measures to prevent this type of predatory behavior from occurring with other customers. 
I have also submitted complaints to the Better Business Bureau and the Federal Trade Commission regarding this matter. I urge the CFPB to take immediate action to hold XXXX XXXX XXXX accountable for their deceptive lending practices. 
Please confirm receipt of this complaint and provide guidance on the next steps in the investigation process. I am willing to provide additional documentation or testimony as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate. 

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable. 

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of this 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 2025-02-24 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
i am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting. 

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There is an incorrect account status for XXXX reporting on my credit report. I disputed before and they claimed it was not on the report. I just pulled my report again and it is back on there. I would like for it to be remove. I have never been late.

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 2025-02-24 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: LEXISNEXIS
State: AL

Complaint narrative:
Unauthorized Furnishing of My Credit Report by Lexis Nexis Disputed bankruptcy record case number XXXX I am filing this complaint against Lexis Nexis Risk Solutions for violating my rights under the Fair Credit Reporting Act ( FCRA ) by furnishing my consumer credit report without a permissible purpose as defined in 15 U.S.C. 1681b. 

Lexis Nexis response on XXXX did not answer my question or provide what I was asking for. I am requesting the following actions be taken : An immediate investigation into why my credit report was accessed. 
A written explanation from Lexis Nexis detailing the justification for furnishing my report. Removal of bankruptcy record case number XXXX Confirmation that Lexis Nexis has implemented measures to prevent this from happening again. This violation not only infringes upon my consumer rights but also poses a risk to my financial privacy and security. I demand immediate corrective action and expect a timely resolution to this matter. Thank you for your prompt attention to this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-24 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app scam me out of XXXX like I was talking to them and it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I called the Credit place to let them know that I was going to be late on payment. They added excessive amounts for late fee fees. I already had been trying to make payments on the card and they started adding excessive late fee fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
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 XXXXXXXX XX/XX/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