vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2025-03-23 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-23 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: SC

Complaint narrative:
During my enrollment in the XXXX XXXX XXXX XXXX XXXX relief program, XXXX late payments were reported on my auto loan account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A letter stating that these late payments were reported in error and corrections had been submitted to the XXXX major credit bureaus was procured. The late payments were removed from all three major credit bureau reports but now have reappeared on my Transunion report. I am requesting this be corrected. 

Additionally, XXXX auto loan has erroneously reported late payments to Transunion and XXXX for XX/XX/XXXX and XX/XX/XXXX. A letter stating that these late payments were reported in error and corrections had been submitted to the XXXX major credit bureaus was procured. I am requesting this be corrected on Transunion and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ] XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Debt Validation Request Dear Portfolio Recovery I am writing in response to your letter or call, regarding the alleged debt with account XXXX  I am requesting validation of this debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following information : 1. Verification that you have the legal right to collect this debt. 
2. The original creditors name, address, and the amount of the original debt. 
3. A copy of any signed agreement or contract that proves I am responsible for this debt. 
4. A full itemized breakdown of the total amount owed, including principal, interest, fees, and any other charges. 
5. Proof that the debt is within the statute of limitations for collection in my state. 

Until you provide the requested documentation, I request that you cease all collection activities on this account, including reporting to credit bureaus. 

Please send all correspondence to my address listed above. I expect your written response within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tennessee Credit Management, Inc
State: FL

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 1681. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : TCM of Mississippi account ending in XXXX. However, they stated everything was complete and accurate. TCM of Mississippi account ending in XXXX keeps showing up on my credit report. I have contacted them and the original creditor ( XXXX  XXXX ) about this stating that this debt is not mine and it's probably fraud/identity theft. I have asked them to send any kind of paperwork during all info on this and haven't received anything. I have filed a police report against TCM of Mississippi and XXXX  XXXX. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I have filed a complaint against this company for quite a while. This is fraud. I have never had an account with the original creditor. This is hindering me from getting approved for credit.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A charge-off has been reported on my credit, and I have made multiple attempts to obtain information regarding the account. I have contacted Kohls, Capital One, and other relevant parties numerous times via phone, in person at customer service, and through various representatives, including speaking with different levels of staff and supervisors. However, no one has been able to provide even basic details, such as the account holder, balance, transaction history, or payment options. Despite multiple requests for a physical card, I never received one, making it impossible to make payments. Not once have I been given the impression that they genuinely want to assist me, and I feel as though I am being taken advantage of. Every time I inquired, I was met with a lack of information, as no one could confirm the outstanding balance, the amount owed, or how to make a payment without the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
This td bank business credit card was somehow used recklessly and I dont know how I owe that much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX third XXXX  I was supposed to be getting a few Tattoos from a guy whos work I seen on social media. After sending him a deposit ( {$270.00} ) and utensil and cleaning fee ( XXXX ) which was going to be refunded to me after the appointment, I was supposed to be able to just go to the shop to get the tattoo. Unfortunately thats not what happened I missed my appointment time and to book a new time for that same day I had to send more money ( XXXX ). At this point I had paid More than the initial price of the tattoo getting done that being {$400.00} me paying XXXX. I asked him first a refund after feeling like he was lying to me and just trying to get money out of me but he refused. Not even an hour later I contacted cash app support and was told that they could do nothing. They said the only way I could get my money back was by going through my actual bank account. I went to my bank only to be told that since the money was sent through cash app they could do nothing about it and that cash app would have to be the ones giving me my money back. After about two weeks of going back and forth with cash app and being told the same thing by every person I got on the phone I ultimately gave up and was at a total loss of {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
today i check my experian credit report alert, im find out the one on the fradulent account get into my report, reporting a closed account with a like payment hurting my score hard.. 
I am writing to formally dispute the following fraudulent accounts and inquiries that appear on my credit report. These entries were added without my authorization and are directly linked to identity theft and potential data breaches. As a victim of identity theft please see the attached documents.

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 2025-03-23 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: GA

Complaint narrative:
I received a 1099c Debt Cancellation LetteXXXX from XXXX. This was written off as a complete loss and I have now assumed the tax liability for that debt and it is now a part of my personal income.

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 2025-03-23 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: GA

Complaint narrative:
I received a 1099c Debt Cancellation Letter from XXXX. This was written off as a complete loss and I have now assumed the tax liability for that debt and it is now a part of my personal income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

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 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-03-23 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: AL

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 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-03-23 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX Date Opened : XX/XX/XXXX {$890.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$2200.00} XXXX XXXX Date Opened : XX/XX/XXXX {$3800.00} XXXX XXXX Date Opened : XX/XX/XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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 resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed XXXX {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$740.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} Date Opened : XX/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 2025-03-23 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I had multiple transactions that was made on my account. I contact the customer service through phone number that they had and also robot on the app. I let them know that I wasnt aware with some transactions that was made on my account I provided them the transaction the date in the proof that did not make the transaction. They ensure they were looking into it, and I didnt hear back from you when I called them on the phone the number did not work The first day that I recognize unauthorized transactions was XXXX XXXX  for {$52.00} on XXXX XXXX then next transaction was on XXXX XXXX for {$560.00} on XXXX XXXX then next was on XXXX XXXX for {$66.00} for XXXX XXXX the next was for {$700.00} to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CO

Complaint narrative:
I have a child support showing on my credit. There are only two credit reporting companies that have not did showed me a copy of there investigation. Even after I sent a copy of the court order. XXXX has removed this. Experian and transunion still have not removed the child support from my credit. This is a big problem now.

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 2025-03-23 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I did not have any knowledge of this account so therefore I am not liable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NM

Complaint narrative:
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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a collection account with ProCollect opened on XX/XX/XXXX, and a medical collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. 

In addition, the following unauthorized hard inquiries must also be removed : 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 I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts or inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and 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