vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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:
My sensitive information ( data ) along with many others was breached from all of the XXXX credit reporting agencies. equifax, XXXX, Trans Union 15USC1681

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 2025-05-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed XXXX .-.accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'Account info XXXX\nAccount name\nXXXX 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I pulled mty credit and there are several addresses on here that are not mine can you please have them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex contacted me about an account that was open under my name is did not create. I filed a police report, identified the individual who used my personal info without my consent, sent american express a packet of evidence showing that I did not open the account, my police investigator issued a warrant to amex to release voice recordings and all info related to case, and the voice recordings confirmed the individual who was in question to fraudulently opening the account. A warrant has been issued for his arrest. Amex still harasses me for the balance due. Amex put this account on my credit report. I disputed it with experian by mailing an affidavit of truth with a police report. Amex removed the account from my credit report. Now they are suing me for the balance after being forced to remove if from my credit after not being able to prove to experian that the account was " mine ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Open XX/XX/year>23, last action XX/XX/scrub>/23, I didn't open this account. I have asked to have it removed from my credit report because this account is not mine and was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Dear Experian : You are reporting inaccurate information on my credit report. Please investigate the following items, and promptly remove them from my credit file! inaccurate information is illegal. Theses things are stopping me from going further in life please help. 


Creditor : JPMCB CARD, Account : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Last active dates are inaccurate between all XXXX bureau 's. please delete. Past due status are not correct and is inaccurate and needs to be deleted. Payment status not correct. I have Fraud charges on this account And I have a XXXX XXXX sheriff police report show I lost my wallet twice. Please remove while investigation I am a fraud victim with this account Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Please see the attached documents as confirmation of my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TN

Complaint narrative:
Im following up yet again about the fraudulent items that continue to appear on my credit report. Despite multiple attempts to resolve this, Im still dealing with unauthorized entries tied to identity theft. My credit file also lists incorrect personal information, which is likely contributing to these false accounts. I never opened or had any connection to these items. I followed the proper steps, including filing an FTC Identity Theft Report as instructed by TransUnion and submitting all required documentationyet the fraudulent entries remain.

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 2025-05-25 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Identity Theft per 15 U.S. Code 1681c-2 Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute and request the permanent blocking and deletion of fraudulent accounts on my credit report in accordance with 15 U.S. Code 1681c-2 ( FCRA Section 605B ).

The following accounts were opened fraudulently without my knowledge or consent : XXXX. XXXX XXXX XXXXXXXX Account ending in XXXX XXXX. XXXX Account ending in XXXX XXXX. XXXXXXXX XXXX  Account ending in XXXX XXXX. XXXX Account ending in XXXX These accounts are the direct result of identity theft. 
In accordance with FCRA 1681c-2, I am exercising my right to request that these items be permanently blocked and removed from my credit file. Per the statute, I am providing all legally required documentation : My FTC Identity Theft Report ( serves as a valid identity theft affidavit ) A copy of my valid government-issued photo ID A copy of my Social Security card A recent utility bill or bank statement as proof of address Note : Under federal law, a police report is not required to exercise my rights under this section of the FCRA. 
You are legally obligated to block these items from my credit report within 4 business days of receiving this complete documentation, and I expect written confirmation once this is completed.

Failure to comply may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and FTC, and pursuit of legal remedies under the FCRA. 
Thank you for your prompt and lawful handling of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CT

Complaint narrative:
I have enclosed the recent response from XXXX XXXX  XXXX. This company or XXXX XXXX  XXXX has sent papers, used red hearings, and wrote a 100 % total nonsense and XXXX XXXX XXXX  statement. Here is the only substantive fact here Only substantive fact 100 % proving claim against XXXX All the claimed late payments were before the loan modification. Therefore, all late payments claimed prior to loan modification are supposed to be removed. None of the papers, XXXXXXXX XXXX XXXX XXXX wordy statements, or anything else changes this reality which 100 % shows XXXX XXXX  XXXX XXXX. Falsely reported lates XXXX. Takes huge amounts of effort to lie and deflect from admitting and fixing this XXXX. Uses worthless and meaningless paperwork and withholds the only meaningful paperwork or the loan modification and or forbearance wherein it proves my case. 

All of the papers, statements, and claims from XXXX from response are absolute XXXX  lies, and worthless wordy statements that avoid the simple reality of my claim. This company is notorious for falsely reporting as well. They are unqualified to be licensed and want to team up with and merge with XXXX XXXX  in order to button up and utilize the merger as a way to XXXX  XXXX  business practices and falsely reporting mortgage payments to bureaus through saving money and being sloppy. Like XXXX XXXX XXXX XXXX XXXX to save money, whereas here the low skilled workers paid minimal money and the short staff is why this company makes so many egregious errors and then lies and refuses to fix.

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 2025-05-25 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: CT

Complaint narrative:
I have enclosed the recent response from XXXX XXXX  XXXX. This company or XXXX XXXX  XXXX has sent papers, used red hearings, and wrote a 100 % total nonsense and XXXX XXXX XXXX  statement. Here is the only substantive fact here Only substantive fact 100 % proving claim against XXXX All the claimed late payments were before the loan modification. Therefore, all late payments claimed prior to loan modification are supposed to be removed. None of the papers, XXXXXXXX XXXX XXXX XXXX  wordy statements, or anything else changes this reality which 100 % shows XXXX XXXX  XXXX XXXX. Falsely reported lates XXXX. Takes huge amounts of effort to lie and deflect from admitting and fixing this XXXX. Uses worthless and meaningless paperwork and withholds the only meaningful paperwork or the loan modification and or forbearance wherein it proves my case. 

All of the papers, statements, and claims from XXXX from response are absolute XXXX  lies, and worthless wordy statements that avoid the simple reality of my claim. This company is notorious for falsely reporting as well. They are unqualified to be licensed and want to team up with and merge with XXXX XXXX in order to button up and utilize the merger as a way to XXXX XXXX business practices and falsely reporting mortgage payments to bureaus through saving money and being sloppy. Like XXXX XXXX XXXX XXXX XXXX to save money, whereas here the low skilled workers paid minimal money and the short staff is why this company makes so many egregious errors and then lies and refuses to fix.

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a claim regarding a minor making an unauthorized purchase on my account and I made XXXX other claims prior regarding the same issue. On XX/XX/XXXX, Well 's Fargo sent me an email regarding the closure of my Everyday Checking account which will close on XX/XX/XXXX and it prevents deposits and transactions from being made which bounced back my paycheck that was deposited on XX/XX/XXXX. This made every purchase I made with that paycheck go negative which is unreasonable. They stated that the closure of my account was due to " suspicious '' claims which are untrue because I want to get back the money that a minor made on my bank.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Bank reporting errors are unfairly damaging my credit. Payments I made werent properly recorded, and there are clear mistakes in the amounts reported. On top of that, I was never given the 21-day advance notice before payment was due, making any late marks invalid. This violates my rights under TILA ( 15 U.S. Code 1666b ), which requires accurate billing and proper notice.

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 2025-05-25 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 file a formal complaint and dispute regarding multiple late payments inaccurately reported on my credit file by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. These late payments are either incorrect, unverified, or fail to meet the accuracy and completeness requirements mandated by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

I have attempted to resolve this matter directly with the credit reporting agencies and the furnisher of the information, but no sufficient investigation or correction has occurred within the required 30-day window. The credit reporting agencies continue to report these late payments despite my requests for proper validation and documentation.

Per FCRA 1681i, consumers have the right to dispute any information they believe to be inaccurate or incomplete. If the furnisher can not provide adequate verification, the information must be removed. 

I am requesting that the CFPB investigate this matter and compel the involved parties to either verify the accuracy of these late payments or remove them from my credit reports entirely. Enclosed are copies of prior dispute letters and my credit reports showing the inaccuracies in question. 

Please notify me of the results of your investigation. 

Thank you for your assistance.

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 2025-05-25 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 am writing to file a formal complaint and dispute regarding multiple late payments inaccurately reported on my credit file by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. These late payments are either incorrect, unverified, or fail to meet the accuracy and completeness requirements mandated by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

I have attempted to resolve this matter directly with the credit reporting agencies and the furnisher of the information, but no sufficient investigation or correction has occurred within the required 30-day window. The credit reporting agencies continue to report these late payments despite my requests for proper validation and documentation.

Per FCRA 1681i, consumers have the right to dispute any information they believe to be inaccurate or incomplete. If the furnisher can not provide adequate verification, the information must be removed. 

I am requesting that the CFPB investigate this matter and compel the involved parties to either verify the accuracy of these late payments or remove them from my credit reports entirely. Enclosed are copies of prior dispute letters and my credit reports showing the inaccuracies in question. 

Please notify me of the results of your investigation. 

Thank you for your assistance.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
My lawyer and I are finalizing paperwork to serve you guys ( SoFi bank ) with a {$85.00} XXXX dollar lawsuit. I emailed you guys asking what email can I send the papers to no response. You guys left me nothing. I had over {$10000.00} in unauthorized charges that were never authorized by me and you guys denied my claim. However the only claim you guys approved were for smaller amounts which made no sense because every single transaction I filed were unauthorized. You guys left me emotionally and financially distressed. I have XXXX family members that rely on me and with that money gone there is nothing financially I can do. I had plans to move us out this following month and now that will have to be delayed for another 2 years due to the incompetence from your guys end. You guys also said I breached the deposit agreement which is completely false. I broke no rules at all everything was legitimate, and that is why I will be pursuing with this lawsuit. If you guys want to speak with my lawyer or discuss a settlement with my attorney and I please let me know. Otherwise we will pursue with this lawsuit. Thank you for your time.

Company response to consumer: Closed with explanation