vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
Dear TransUnion Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report.

The details of the fraudulent account are as follows : 1. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX XXXX XXXXXXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
6. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX Account Number : XXXX I am a victim of identity theft. Please remove it 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: HI

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my account by Cash App, specifically related to the issuance of a 1099 form that I received, which I believe was sent in error or without proper authorization. 

On XX/XX/year>, I received a 1099 form from Cash App. Concerned about its accuracy and the circumstances under which it was issued, I reached out to Cash App via email ( see attached correspondence ) requesting clarification and resolution. Despite my efforts, the response I received did not address my concerns adequately. 

My specific issues are as follows : Unauthorized or Inaccurate 1099 : I did not anticipate receiving this form based on my usage, and I believe it may have been issued erroneously.

Inadequate Response : Although I contacted Cash App for clarification, their reply failed to resolve my concerns or provide a clear explanation of the situation.

Consumer Impact : This situation has caused confusion regarding my tax obligations and has led to significant inconvenience and concern about the transparency of Cash Apps practices.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I believe that Cash Apps practices in this instance may not fully comply with consumer protection standards, and I would appreciate your assistance in resolving this issue.

Thank you for your time and consideration. Please do not hesitate to contact me if further information or documentation is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

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 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Servicing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nebraska XXXX Subject : Formal Dispute of Student Loan Reporting Due to FERPA Violation Dear Nenlet Servicing, I am formally disputing the reporting and handling of my student loan information due to a violation of the Family Educational Rights and Privacy Act ( FERPA ). Under 20 U.S. Code 1232g, my educational recordsincluding loan-related datashould not have been disclosed, accessed, or reported without my explicit consent.

Upon reviewing my records, I have identified misuse and/or unauthorized disclosure of my student loan information in the following manner : Disputed Issue ( s ) : Unauthorized disclosure of loan information to third parties.

Unapproved access to my educational records This FERPA violation has resulted in privacy concerns.As such, I demand an immediate investigation and resolution of this matter.

Requested Actions : 1. An investigation into the unauthorized disclosure and/or inaccurate reporting of my student loan records.

2. Immediate correction or removal of the disputed information from my credit report ( if applicable ).

3. A written statement detailing the findings of your investigation.

4. Disclosure of any third parties that improperly accessed my educational records.

If this issue is not resolved within 30 days, I am prepared to escalate my complaint to the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and other relevant agencies for regulatory enforcement. Additionally, I reserve the right to seek legal remedies for any damages incurred due to this violation. 

I have enclosed documents to support my claim. Please contact me at ( XXXX ) XXXX or XXXX should you require further information.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-28 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I AM TRYING TO DISPUTE HARD INQUIRIES THAT I DON'T RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AZ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-02-28 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I was charged for {$150.00} for vtsup.com using my Capital One REI credit card, but I didn't recognize this transaction and called capital one to report. It was temporarily reverted. On XXXX I received a letter in the capital one app, saying that it was found a valid transaction, thus reapplied. On XXXX I called their bank and spoke to fraudulent department. The supervisor did not provide any reason for why it was found valid. 

I've submitted a compliant before under XXXX, it was closed but the company still does not provide specific reasons for why it was found valid. In addition, I've submitted a police report to XXXX XXXX under tracking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts opened without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: WY

Complaint narrative:
Someone scammed me on cash app {$780.00} XX/XX/2025 and I reported it to cash app I dont think they are going to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 received a copy of my credit report and found the following items to be an error : XXXX XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$5900.00} / BAL OWED : {$120.00}. 

Under XXXX XXXX XXXX, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR THE XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NV

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, NV, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Unauthorized Credit Inquiries- Request for Removal I am writing to dispute the following unauthorized credit inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, which constitutes fraud and identity theft. I request that these inquiries be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Under the FCRA, credit inquiries must have a permissible XXXX, and consumers must provide explicit consent for such inquiries2. These inquiries were made without my authorization, and I request their immediate removal to prevent further damage to my credit score and financial health. 

Please investigate these inquiries and remove them from my credit report. I have enclosed a copy of my credit report with the unauthorized inquiries highlighted for your reference. Additionally, I have included a copy of my identification and proof of address to verify my identity. Also i am requesting that the following addresses are deleted i have never been associated with these addresses they came after from the identity theft as well XXXX XXXX XXXX CT XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of these unauthorized inquiries. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NV

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, NV, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Unauthorized Credit Inquiries- Request for Removal I am writing to dispute the following unauthorized credit inquiries that appear on my credit report. These inquiries were made without my knowledge or consent, which constitutes fraud and identity theft. I request that these inquiries be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Under the FCRA, credit inquiries must have a permissible purpose, and consumers must provide explicit consent for such inquiries2. These inquiries were made without my authorization, and I request their immediate removal to prevent further damage to my credit score and financial health. 

Please investigate these inquiries and remove them from my credit report. I have enclosed a copy of my credit report with the unauthorized inquiries highlighted for your reference. Additionally, I have included a copy of my identification and proof of address to verify my identity. Also i am requesting that the following addresses are deleted i have never been associated with these addresses they came after from the identity theft as well XXXX XXXX XXXX CT XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of these unauthorized inquiries. 

Sincerely, [ 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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report. I did not apply for credit with this company, and I did not authorize this inquiry.

Please investigate this matter and remove the unauthorized inquiry from my credit report as required under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I have attached copies of my identification and any supporting documentation to assist with your investigation.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation