vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/year> Ref # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification of Information Disclosure to any Credit Bureaus Dear XXXX XXXX XXXX XXXX, I am writing to formally request information regarding whether the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX  has sold or otherwise provided access to bankruptcy records or related personal information to XXXX or any of its affiliates. 
As a concerned individual, I would like to understand the extent to which my personal information, or that of other bankruptcy filers, may have been shared, sold, or distributed to third-party data aggregators. If such a transaction or arrangement exists, I kindly request details regarding : 1. The nature of the information provided.

2. The date ( s ) such information was shared or sold.

3. Any applicable policies or agreements governing such transactions. 
Please let me know if there is a specific procedure to obtain this information, or if there are any fees associated with this request. I appreciate your time and assistance in this matter and look forward to your prompt response. 
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 non-monetary relief
Consumer complaint received 2025-04-10 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

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 2025-04-10 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: NJ

Complaint narrative:
While reviewing my Experian credit report, I discovered multiple unauthorized hard inquiries that I did not initiate or approve. These inquiries were made without my knowledge or consent and are negatively affecting my credit score. The inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these companies to access my credit file, and their presence on my report is a direct violation of the Fair Credit Reporting Act under 15 U.S.C. 1681b ( c ), which requires a permissible purpose and consumer consent for such inquiries. I am requesting that these inquiries be permanently deleted from my credit report and that I receive written confirmation once they have been removed.

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 2025-04-10 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: MI

Complaint narrative:
- XX/XX/XXXX, I sent a payment of {$640.00} via cashapp to a friend. 
- XX/XX/XXXX, The funds show leaving my XXXX bank account. 
- XX/XX/XXXX, The transaction expires because it wasn't accepted. 
- XX/XX/XXXX, I realize after going through my bank transactions that a {$640.00} debit still shows on my account with no corresponding credit from Cashapp so I contact customer service. They say the money was returned to the card and to contact my bank. 
- XX/XX/XXXX, I start a claim with XXXX Bank. 
- XX/XX/XXXX, XXXX provides a temporary credit of {$640.00} while they review the claim. 
- XX/XX/XXXX, I receive a letter from XXXX stating they will be removing the temporary credit due the transaction being authorized by me and not actually fraud. 
- XX/XX/XXXX, XXXX contact cashapp customer service again. Again they say the funds were returned and that I need to work with my bank. I send them statements and transactions lists showing the {$640.00} leaving my account but not being refunded. I also reference my cashapp only having a balance of {$0.00}. They tell me again to contact my bank. 
- XX/XX/XXXX, I call XXXX again twice to discuss the claim. The individual I spoke with reached out to the back office but XXXX said it has to be worked out with cashapp. 
- XX/XX/XXXX, I request that cashapp escalates this situation. 
- XX/XX/XXXX, I have the same back and forth with a manager by email telling me that the money was returned on XX/XX/XXXX when the transaction wasn't completed and that I need to wait 1-3 business days. I sent all the transactions, my cashapp balance, the letter from XXXX stating they will be removing the temporary credit they provided. And that it's been 60+ days. They once again say there is nothing they can do. 

So I have {$640.00} leaving my bank account and just floating out in the aether, I guess. I don't have an issue with XXXX, it's cashapp. Something with their return transaction failed and they are not doing anything to remedy the situation other than continuously telling me to contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts are being reported under my name without my knowledge or consent, and I have never opened, authorized, or managed them. This is a serious breach of accuracy and a misrepresentation of my financial history. I demand immediate clarification regarding the origin of these accounts and the entity responsible for reporting them. This matter must be investigated and resolved without delay, and any unauthorized or inaccurate accounts must be permanently removed from my credit profile. I expect prompt and decisive action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Incorrect Late Payment Reporting Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported. 
The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines. 
There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.

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 2025-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have requested escow account removal from NewRez LLC and they sent me a letter saying that they can not remove it. The letter only says the investor denied my request. There is no reason mentioned in the letter regarding why they denied. Currently, I have been paying dues on time since XXXX and there is no PMI in the account. My LTV is below 80 %. There is no reason for them to deny my request. They also do not give any explanation behind their reasoning. They are illegally trying to hold on funds they do not own for their own benefits. I would like to get it removed. 

On XX/XX/XXXX, NewRez LLC said below in their official response : " Regarding the removal of your escrow account, once your property has been appraised and if you are approved for the removal of PMI, a request can be made to have your loan reviewed for escrow account removal. '' Although we have removed the PMI, the NewRez LLLC still does not provide why they are not removing or why their investor is objecting to removal process.

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 2025-04-10 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: OR

Complaint narrative:
Here is the list of fraudulent inquiries : 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 explanation
Consumer complaint received 2025-04-10 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: WV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-10 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: SC

Complaint narrative:
Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to You subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2025-04-10 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NV

Complaint narrative:
I discovered in XXXX of XXXX that two student loans were opened under my name, in XXXX of XXXX  I learned my social security number had been stolen and used to open these accounts fraudulently. I disputed with both Transunion and Equifax. After just under 30 days, the results of investigation came back that the accounts were verified as accurate and that they belonged to me. This is false, as they are fraudulent accounts. I have resubmitted the fraud accounts and have submitted a report with FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) | has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XXXX XX/XX/year> {$680.00}

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 2025-04-10 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: CA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence.

The following dispute items are inaccurate and must be addressed immediately : Charge Off ( 3 Bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I deposited a check into my account at Fourleaf Bank from the company I work for. Shortly after, the bank froze my entire account, including {$250.00} that was already in my account before the check deposit.

I explained to the bank multiple times that the {$250.00} is my own previously available money, not connected to the check. However, they still refused to release my funds, without giving a valid legal reason. 

According to Regulation CC, banks can place a hold on a suspicious check, but they are not allowed to freeze funds that are already cleared and available. Despite informing them of this and requesting access to my funds, the bank continues to deny me access.

This situation has caused financial hardship, and I believe the bank is acting unlawfully by withholding my own cleared funds. Im requesting immediate release of the {$250.00} and an investigation into this banks handling of account holds. 

Date check was deposited : [ Insert date ] Amount of check : XXXX from XXXX XXXX XXXX XXXX XXXX My available balance before check deposit : {$250.00} And saving account available balance before check deposit : {$100.00} Amount being wrongfully held : {$250.00}

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXm beyond frustrated that Equifax continues to report reinserted accounts that were already deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and two XXXX XXXXXXXX accounts ( XXXX XXXX XXXX XXXXXXXX ). I made it clear in my previous disputes that I did not give any permission or consent for these accounts to be reported or for my personal and financial data to be shared. Yet Equifax ignored that and continues to reinsert them without providing the required 5-day notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). XXXX even granted my opt-out request in writing, but Equifax still lists their account. This is no longer just negligencethis is identity theft. Youre sharing and reporting information without my authorization, violating 15 U.S.C. 1681b. Youve failed to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and are now in willful and negligent noncompliance under 1681n and 1681o. I demand permanent deletion of these accounts and an end to this outrageous misconduct.

Company response to consumer: Closed with non-monetary relief