vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received a copy of my credit report from TransUnion that currently still shows inaccurate information. I have sent XXXX requests to TransUnion for an investigation of the alleged public record listed of bankruptcy. I have received incomplete and unverified information back from TransUnion states that alleged public record verified per data furnisher. TransUnion has failed to advise how the alleged public record listed of bankruptcy was verified. 
XXXX XXXX Court Reference Number : XXXX Status : Dismissed Date Filed XXXX XXXXXXXX XXXX XXXX Reference Number : XXXX Status : Dismissed Date Filed XXXX I understand the FCRA Act under Section XXXXb was originally enacted back in XXXX to help promote accuracy, have the information blocked, fairness, and privacy in the collection and dissemination, and ultimately all use, of consumer credit file information. It provides multiple rights and protections for consumers. The credit bureau is legally obligated to either remove or block that information from their current report in XXXX days. 
The FCRA Act under Section XXXXb provides multiple rights and protections for consumers and outlines the regulations and expectations imposed on creditors, lenders, and furnishers of information to the credit bureaus : TransUnion, XXXX, and XXXX. It also establishes the requirements and guidelines for the reporting of consumer credit information, as well as the dispute resolution processes, and the requirements for gaining access to credit reports. 
I am a consumer showing proof that a negative item or multiple items on my credit report are inaccurate due to identity theft, the credit bureau TransUnion is legally obligated to either remove or block that information from my current credit report. 
Please find attached documents : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Georgia letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX ) TransUnion - Dispute

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 2025-01-31 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer servi

ce 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 2025-01-31 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: TX

Complaint narrative:
This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$210.00} ] XXXX XXXX XXXX XXXX. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. The name of the original creditor. An explanation of how to obtain verification of the debt. A statement that I have the right to dispute the debt in writing within 30 days. I further demand that you issue me a Form 1099-C within 14 days of the date of this letter. A Form 1099-C is required by the IRS to report the cancellation of debt income, which may have tax implications for me. Failure to comply with my requests and the requirements of the FDCPA within 14 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter constitutes a formal dispute of the alleged debt you claim I owe in the amount of [ {$210.00} ] XXXX XXXX XXXX XXXX. I dispute this debt in its entirety for the following reasons : The debt is inaccurate or incorrect. I am requesting that you immediately cease all collection activity on this alleged debt, including but not limited to : Phone calls Letters Emails Text messages Reporting to credit bureaus ( DELETE THIS ITEM IMMEDIATELY ) I am also formally requesting that you comply with the provisions of 15 U.S.C. 1681c ( 2 ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to : Provide me with a written notice of the debt. This notice MUST include : The amount of the debt. The name of the original creditor. An explanation of how to obtain verification of the debt. A statement that I have the right to dispute the debt in writing within 30 days. I further demand that you issue me a Form 1099-C within 14 days of the date of this letter. A Form 1099-C is required by the IRS to report the cancellation of debt income, which may have tax implications for me. Failure to comply with my requests and the requirements of the FDCPA within 14 days of the date of this letter may result in the filing of a lawsuit against you for violations of the FDCPA and other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: NV

Complaint narrative:
This is in response to closed complaint XXXX about Americor Financial. I entered a contract with XXXX for debt settlement. I paid over XXXX a month and was told settlement would be finished after payment in XX/XX/scrub> 2024 of about XXXX dollars. Said XXXX payment was made and I heard no more unill XX/XX/year>2024 that I owed more money. If this was true why was the XXXX payment, told to me to be the lasi, for {$200.00} less that my previous payments, and no more was requested by XXXX. From last payment in XXXX until XX/XX/year>2024 I heard nothing from XXXX. XXXX said they notified me in XXXX, which i did not receive. If this was true why was the payment less in XXXX, and none requested thereafter? I think this company is trying to scam me. And they did not address the non deduction from my XXXX account or the request there of since XX/XX/year>2024. And did not explain their informing me the last payment of a lesser amount would be in XXXX 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist notified me of suspected fraudulent activity on my credit card so I reviewed my account. I reported the numerous charges that were on my account that I did not make. They refunded multiple XXXX charges but there were XXXX charges in the same day to XXXX online that were showing as pending when I reported to Truist that I did not make. They will not credit these charges back to my card. They said that I have not supplied any additional documentation, but no one that I have talked to can tell me what i would supply to them to prove my case. I have contacted the fraud department multiple times and they tell me there is nothing they can do to help me. I have even contacted XXXX online. XXXX online said they could not send me anything, but I could have my financial institution contact them and they would verify that I did not make these charges in my account. I have provided the phone number to Truist and they refuse to help me by contacting XXXX. I visited a local branch and the employee there said she was going to file a complaint on my behalf. I also had an employee in the fraud department tell me that she was going to file a complaint for me. The charges that I am disputing are all posted on XX/XX/24 to XXXX in the amounts of {$42.00}, {$260.00}, and {$100.00}.

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 2025-01-31 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remive these accounts before i seek litigation for defamation of character ) XXXX XXXX  balance {$0.00}, self balance {$280.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX associate balance {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Complaints After Complain since XXXX Same Issue Time Delay letters XXXX after the Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It goes on and onWells Fargo Time Delays after which no resolution! Weve even made on offer of conditional acceptance which theyve refused. Yet, there has only been letters of delay. Now, we are requesting to see written copy of their completed investigation including all parties involved, and that CFPB to get involve with this matter. 



Wells Fargo failed to properly safeguard and secure our business account as a customer, highly sensitive personal information during a data breach by XXXX of its employees beginning in XXXX. Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 

Wells Fargo states that it has completed a thorough investigation in this matter. Additionally, Wells Fargo state that they have fully investigated a XXXX account that the company does not have. Now, we are requesting a full blown copy in writing of their investigation including times, names, all account numbers of the investigation completed. On XX/XX/XXXX, This account is yet active awaiting a fair resolution while Wells Fargo announced a data breach that has raised significant concerns among its customers. We have presented to Wells Fargo via registered mail a Conditional XXXX letter in which no response has been received other than an unrelated redundant letter received periodically since XXXX stating that it has address the customer breach issue that is completely false. Moreover, just XXXX days ago Wells Fargo has reported a data breach due to unauthorized access by a former employee. Sensitive customer information was compromised, prompting immediate notifications. An issue that we have been fighting for and trying to get Wells Fargo to resolve, and stop evading our issue.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I would like to see the original documents from this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I lost my job in 2023 and I havent been contacted by any of my previous lenders in regards to my current salary or anything that has changed in my life and I dont know if the balances are 100 % accurate and where the information came from. I believe that well over half of my account accounts are falsely marked. I had to sell my home and am now homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Cease and Desist Communication Request Pursuant to 15 U.S.C. XXXX ( c ) Debt collectors, collection agencies I am writing to formally notify you that, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. XXXX ( c ), I am requesting that you immediately cease and desist any further communication with me regarding the alleged debt referenced in your communications. 

Under 15 U.S.C. XXXX ( c ), I have the legal right to request that you stop contacting me. Therefore, I request that you cease all written and oral communications regarding this matter, effective immediately. The following accounts need to be removed immediately XXXX XXXX account number : XXXX balance {$330.00} XXXX XXXX XXXX XXXX XXXX : XXXX balance XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX I've never heard of your company i do not have any business or contract with your company XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you cant provide these items Delete them. 


Please be advised that I expect all communication from your office to stop, with the exception of a written notice acknowledging your receipt of this request or any other communication that is required by law. 

Failure to comply with this request may result in legal action being taken to enforce my rights under the XXXX 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and that your communications will cease accordingly. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: OK

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my report.

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 2025-01-31 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: FL

Complaint narrative:
* '' On XX/XX/year>, I filed a valid dispute with Equifax regarding several accounts incorrectly reported on my credit report. Equifax incorrectly classified my dispute as 'frivolous ' without providing a clear justification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 3 ). I subsequently resubmitted the dispute, detailing the specific issues with each account in question. Despite this, Equifax refused to conduct a reasonable investigation, as required by FCRA 611 ( a ) ( 1 ) ( A ).

Additionally, it is pertinent to note that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes, ignoring evidence provided by consumers, and allowing previously corrected errors to reappear on credit reports. This penalty underscores a pattern of conduct " Negligent on the part of Equifax in handling consumer disputes. 

This lack of action by Equifax has caused significant damage to my credit, affecting my ability to obtain financing on fair terms. Equifax continues to report unverified information on my credit report, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), as data furnishers have an obligation to update and correct inaccurate information. " *

Company response to consumer: Closed with non-monetary relief