vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: MI

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$550.00}. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for [ specific company/organization name, if applicable ] to access or furnish my credit information.

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 2025-01-06 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: MI

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

The account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$550.00}. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for [ specific company/organization name, if applicable ] to access or furnish my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I have recently pulled my credit report and noticed that their is a collection listing from your agency. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following documnets : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Since XX/XX/XXXX, Barclays bank has removed access to my Savings Accounts by removing both of my External fund transfer accounts. I opened my first Barclays savings account on XX/XX/XXXX and have been transferring monies in and out of these accounts for eight ( 8 ) years. Barclays has removed my XXXX XXXX, opened in XXXX, external account access and when I try to re-establish this external account I am told it already exists, but it doesn't exist in their Barclays External Accounts tab, stopping all external fund transfers. Per Barclays instructions, on XX/XX/XXXX, I provided their required proof, with the most recent XXXX Bank statement and a photocopy of my drivers license, I believe the deletion of my external accounts was INTENTIONAL on the part of Barclays based on my Feedback regarding their new six levels of information required to login into an accounts. On XX/XX/XXXX, Barclays allowed the transfer of {$25000.00} to my XXXX XXXX account and the very next day Barclays removed the XXXX XXXX account from my External Accounts tab. All this makes me question whether Barclays is a fundamentally sound institution, I should have access to my monies regardless of their security problems.

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 2025-01-06 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: TX

Complaint narrative:
15 U.S. Code $ 1681c -2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS

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 2025-01-06 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: AL

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 1681b 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank 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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I had got notifications on my phone that someone that sent money to my cash app, I looked at who had sent me money and I did not know this person. A few seconds later a different person had logged me out of my cash app and sent someone else money from my cash app. I then unlinked my bank account information from my cash app, as I was doing that I noticed that the money I had in my cash app account that was sent to me from my fianc was gone. I immediately starting chatting to cash app and they told me to call the number, I called the number the next day because that night they were closed, when I called cash app they told me to file a dispute online. I then filed the dispute and the dispute came back on XX/XX/year> as denied because I had my phone with me during the time of the transactions. I called Cash app again telling him that I want my money back and Im not understanding why the dispute came back declined, the person I talked to said on his end it was resolved and that basically im out of the XXXX bucks that I was sent because I didnt send the money, I had gotten the XXXX dollars sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
My information was used on data breach under law 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My information was used on data breach under law 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
Subject : Formal Complaint of Inaccurate Reporting Under the FDCPA and FCRA To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate reporting of my [ Creditors Name ] account, which violates provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific discrepancies and issues with the reported information : RE : XXXX XXXX Account Information : Credit Limit : {$200.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$0.00} Payment History Discrepancies : For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, only one payment was posted in XXXX, but no payments were reflected for the first 11 months. 

This account was a secured account, and despite making timely payments, the secured funds were never returned upon the accounts closure. Additionally, the reported information lacks consistency with my payment history and financial records. 

FCRA Violations : Under the FCRA, credit reporting agencies and data furnishers are required to ensure the accuracy and completeness of information included in consumer reports. Specifically : Section 611 of the FCRA requires credit reporting agencies to reinvestigate disputed information to determine its accuracy or delete it if it can not be verified. 

Section 623 obligates furnishers of information to provide accurate and complete data and correct any identified inaccuracies. 

The reported XXXX balance, coupled with inconsistencies in payment posting, creates a misleading record of my creditworthiness, which has directly impacted my financial standing. 

FDCPA Concerns : Furthermore, the FDCPA prohibits deceptive and unfair practices by creditors and collectors. Failing to reflect accurate payment information and withholding secured funds upon account closure may constitute deceptive practices under the Act. 

Requested Action : I am requesting the following : A thorough investigation into the accuracy of the reported account information. 

Immediate correction or removal of the inaccurate data from my credit report. 

A written explanation of the results of your investigation, as required by law. 

I am attaching supporting documentation, including my payment records and account statements, for your review. Please confirm receipt of this complaint and provide a response within the timeframe prescribed under the FCRA and FDCPA. 

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 non-monetary relief
Consumer complaint received 2025-01-06 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: IL

Complaint narrative:
Subject : Formal Complaint of Inaccurate Reporting Under the FDCPA and FCRA To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate reporting of my [ Creditors Name ] account, which violates provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific discrepancies and issues with the reported information : RE : XXXXXXXX XXXX Account Information : Credit Limit : {$200.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$0.00} Payment History Discrepancies : For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, only one payment was posted in XXXX, but no payments were reflected for the first 11 months. 

This account was a secured account, and despite making timely payments, the secured funds were never returned upon the accounts closure. Additionally, the reported information lacks consistency with my payment history and financial records. 

FCRA Violations : Under the FCRA, credit reporting agencies and data furnishers are required to ensure the accuracy and completeness of information included in consumer reports. Specifically : Section 611 of the FCRA requires credit reporting agencies to reinvestigate disputed information to determine its accuracy or delete it if it can not be verified. 

Section 623 obligates furnishers of information to provide accurate and complete data and correct any identified inaccuracies. 

The reported XXXX balance, coupled with inconsistencies in payment posting, creates a misleading record of my creditworthiness, which has directly impacted my financial standing. 

FDCPA Concerns : Furthermore, the FDCPA prohibits deceptive and unfair practices by creditors and collectors. Failing to reflect accurate payment information and withholding secured funds upon account closure may constitute deceptive practices under the Act.

Requested Action : I am requesting the following : A thorough investigation into the accuracy of the reported account information.

Immediate correction or removal of the inaccurate data from my credit report.

A written explanation of the results of your investigation, as required by law.

I am attaching supporting documentation, including my payment records and account statements, for your review. Please confirm receipt of this complaint and provide a response within the timeframe prescribed under the FCRA and FDCPA.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NM

Complaint narrative:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute is listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below is the item : 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 2025-01-06 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$13000.00} XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$3200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$900.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$640.00}XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$140.00}XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year> I sent a letter asking for this company to validate the debt the claimed I owed they never responded and after I filed a complaint through the cfpb they responded with a stall letter and no proof this account belongs to me

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 2025-01-06 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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