vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 


DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to respond to my credit report dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a formal dispute letter via certified mail with return receipt/online submission regarding inaccurate information on my credit report. According to the FCRA, the credit bureaus are required to investigate and respond within 30 days ( or 45 days if additional information is requested ). However, as of today, XX/XX/year>, I have not received any response or update regarding my dispute. 
This failure to respond in a timely manner is a direct violation of my consumer rights under the FCRA. As a result, I am requesting immediate action to resolve this matter, including : A formal response regarding the status and outcome of my dispute. 
Removal of the disputed items due to the bureaus failure to verify them within the legally required timeframe. 
Confirmation that my rights under the FCRA are being upheld. 
I have attached copies of my original dispute letter, proof of mailing, and any supporting documents for your review. I request that the Consumer Financial Protection Bureau take appropriate action to ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries, which I did not authorize I do not have any open accounts with either lender however my information has been obtained in a data breech for XXXX XXXX, Also XXXX Data Breech. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my report. I do not recall giving permission for these companies to access my credit file, and I request that they 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 2025-03-03 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: IL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries, which I did not authorize I do not have any open accounts with either lender however my information has been obtained in a data breech for XXXX XXXX, Also XXXX Data Breech. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my report. I do not recall giving permission for these companies to access my credit file, and I request that they be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/2025, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security XXXX : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
Cashapp is holding XXXX $ of my money in limbo and will not let me withdraw the XXXX $ out of my account this is crazy its been over a month and a half and they keep giving the same excuse and closed my account upon receiving the XXXX $ I just want to withdraw my money my account is under XXXX I have sent them multiple complaints and reached out for help nothing at all in response please help!

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

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NV

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXXc ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXXc ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
The credit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Acct ( FCRA ) to conduct a reasonable investigation of disputed information in my credit report, leaving unresolved inaccurate or unverifiable accounts. As of XX/XX/year>, XXXX XXXX XXXX XXXX is not licensed to collect debt in the state of Texas. Under Texas law, debt collection agencies must be licensed and bonded with the Texas Secretary of State to legally operate within the state. A search of the Texas Secretary of States licensed debt collectors database revealed that XXXX XXXX XXXX XXXX is not registered as a licensed debt collector in Texas. This indicates that the company is not authorized to engage in debt collection activities within the state. I request that this information be deleted from my credit report 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 2025-03-03 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: TX

Complaint narrative:
The credit reporting agency has failed to fulfill its legal obligation under the Fair Credit Reporting Acct ( FCRA ) to conduct a reasonable investigation of disputed information in my credit report, leaving unresolved inaccurate or unverifiable accounts. As of XX/XX/year>, XXXX XXXX XXXX XXXX is not licensed to collect debt in the state of Texas. Under Texas law, debt collection agencies must be licensed and bonded with the Texas Secretary of State to legally operate within the state. A search of the Texas Secretary of States licensed debt collectors database revealed that XXXX XXXX XXXX XXXX is not registered as a licensed debt collector in Texas. This indicates that the company is not authorized to engage in debt collection activities within the state. I request that this information be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of the Equifax data breach and am entitled to receive a {$7.00} settlement payment as part of the class action lawsuit. However, I am experiencing extreme difficulty accessing my funds due to issues with XXXX, which is handling the disbursement. 

The digital prepaid XXXX provided can not be used in stores and is declined for an " incorrect PIN, '' despite setting up the PIN beforehand. 
I requested a physical card, which deducted {$4.00} for the cost of the card, received it, but was unable to activate it. 
These obstacles appear to be an intentional scheme to prevent victims from accessing their rightful settlement payments. 

I request that : I be issued a direct check for the full settlement amount. 
The CFPB investigate Equifax and XXXX for deliberately creating roadblocks that prevent victims from receiving their payments. 
The CFPB initiate another class action lawsuit against Equifax to hold them accountable for these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have filed a case with experian report number : XXXXThe charged off account was not verified, but only updated. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated.I wasnt provided evidence that the account was verified., so I need the account ( XXXX Account number [ XXXX ] ) removed from 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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
APPLE CARD/ GS BANKS USA consistently calls after I ask for signature proof of me a agreeing for a debt with APPLE CARD/ GS BANKS USA to be sold or signed off to APPLE CARD/ GS BANKS which I did not do.

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

Complaint narrative:
I am writing to request verification of the debt listed under my name. If you are able to verify this debt, please provide the necessary documentation. However, if you are unable to do so, I kindly ask that you remove it from my credit report immediately, as inaccurate or unverified debts should not be reported. Please confirm your actions in writing. 

Thank you for your prompt attention to 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 2025-03-03 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: LA

Complaint narrative:
I am writing to request verification of the debt listed under my name. If you are able to verify this debt, please provide the necessary documentation. However, if you are unable to do so, I kindly ask that you remove it from my credit report immediately, as inaccurate or unverified debts should not be reported. Please confirm your actions in writing. 

Thank you for your prompt attention to 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