vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. Company name :  XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX  XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX  - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company name : XXXXXXXX XXXX XXXXXXXX - Date of Inquiry : XX/XX/XXXX Company name : XXXX XXXX  - Date of Inquiry : 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 explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding an identity theft dispute. I submitted a formal dispute to Experian, providing all required documents, including an Identity Theft Report ( FTC or police report ), my government-issued ID, and proof of my address. Despite this, Experian has refused to delete fraudulent accounts and incorrect personal information from my credit report. 

What Experian Did Wrong?

Under FCRA Section 611 ( e ), Experian is required to delete fraudulent accounts within 4 business days of receiving a valid identity theft report. Additionally, under FCRA Section 694, they must ensure that fraudulent information is not reinserted into my credit file. Experian has failed to comply with these legal requirements. Instead, they continue to demand unnecessary additional documentation, delaying my dispute in violation of the law.

How This Has Affected Me?

Because of Experians failure to remove these fraudulent accounts, I have suffered financial and emotional distress. I am at risk of credit denials, increased interest rates, and damage to my credit reputation due to accounts that I did not open. Despite my repeated attempts to resolve this with Experian, they continue to ignore my legal rights.

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 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: Synovus Bank
State: NC

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX and the credit reporting agencies for inaccurately reporting a lease-related account on my credit file. 

In XX/XX/year>, my father unexpectedly passed away. I informed XXXX XXXX XXXX leasing office that, due to this tragic event, I would not be moving into the apartment. 
Despite this, they have continued to report a lease or balance under my name, even though I never took possession of the unit or resided there. 
This inaccurate reporting is negatively impacting my credit, and my previous attempts to dispute it directly with XXXXXXXX XXXX XXXXXXXX and the credit bureaus have not resolved the issue. 
I am requesting an investigation and the immediate removal of this account from my credit report. 
Resolution Requested : I request that XXXXXXXX XXXX XXXXXXXX cease reporting this account and that all major credit bureaus remove it from my credit report due to its inaccuracy. 

I can provide the following supporting documentation, if needed : Communication records with XXXX XXXX XXXXXXXX ( I can provide a call history log if required ) Proof of my fathers passing XX/XX/year> ( available upon request ) Thank you for your prompt attention to this matter. 

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 2025-03-11 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: U.S. BANCORP
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I did not authorize any of these inquiries, and I am requesting their immediate removal. 

Below are the inquiries I am disputing : 1. XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute these inaccurate and unauthorized inquiries. Additionally, Section 604 of the FCRA requires that no entity may access my credit file without a permissible purpose and my explicit consent.

I have contacted your offices twice by phone, and I was incorrectly informed that these inquiries could not be disputed. This information is false and represents a violation of my rights under federal law.

Therefore, I am demanding that you : 1. Immediately remove these unauthorized inquiries from my credit report.

2. Provide documentation proving that I authorized each of these inquiries.

If you can not provide such documentation, these inquiries must be deleted as required by law.

Please investigate this matter and respond to me in writing within 30 days of receipt of this letter, as required by the FCRA. 

Attached to this letter are copies of my government-issued ID and proof of address for identity verification. 

Thank you for your prompt attention to this urgent matter. 

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 2025-03-11 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-11 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
1.My information has been exposed of my Data. In XXXX  has been Breached and my information has been exposed under the FCRA laws XXXX XXXX and XXXX all negative reporting must be removed within 30 days I have filed a report with FTC as well I have Demanded and requested Debt validation letters I signed to do any business or agreement with them. In addition the XXXX credit companies are not removing my incorrect information and falsely reporting .I have XXXX name XXXX address that should be on all of my reports. 
I call and get foreign speaking people that im not sure if they even understand XXXX to do a proper job. It is affecting me negatively. 
Companies that failed to report proper information names addresses and wrongful billing are below XXXX XXXX XXXX In addition these companies have been harassing me. I have never done business with them.I have not received any debt validations This company I have been dealing with and it has been well over 30 days they have not stopped harassing me nor have they verified the debt, nor have they stopped or removed this information from all of my credit reports. 

XXXX XXXX XXXX ( XXXX of XXXX XXXX dismissed this debt years ago this company is fraudulently trying to collect a debt ) AKA : XXXX XXXX another name they are. Trying to collect under sending threatening text messages as well They have not provided ever any proper legal validation ( signed with my wet signature once again they are in violation. I have also consulted with the FDCPA. 
I have written certified letters, emails, etc. I have called but the information is not reporting truthfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AZ

Complaint narrative:
1.My information has been exposed of my Data. In 2024 has been Breached and my information has been exposed under the FCRA laws Equifax XXXX and XXXX all negative reporting must be removed within 30 days I have filed a report with FTC as well I have Demanded and requested Debt validation letters I signed to do any business or agreement with them. In addition the 3 credit companies are not removing my incorrect information and falsely reporting .I have 1 name 1 address that should be on all of my reports.

I call and get foreign speaking people that im not sure if they even understand English to do a proper job. It is affecting me negatively.

Companies that failed to report proper information names addresses and wrongful billing are below Equifax XXXX XXXX In addition these companies have been harassing me. I have never done business with them.I have not received any debt validations This company I have been dealing with and it has been well over 30 days they have not stopped harassing me nor have they verified the debt, nor have they stopped or removed this information from all of my credit reports. 

XXXX XXXX XXXX ( XXXX of XXXX XXXX dismissed this debt years ago this company is fraudulently trying to collect a debt ) AKA : XXXX Outsourcing another name they are. Trying to collect under sending threatening text messages as well They have not provided ever any proper legal validation ( signed with my wet signature once again they are in violation. I have also consulted with the FDCPA. 
I have written certified letters, emails, etc. I have called but the information is not reporting truthfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. This inaccurate information is causing my credit score to decrease and making it harder for me to purchase a home. They have been paid in full and I have a XXXX balance. They have been reporting monthly collection statuses when theyve been paid. Balance still shows {$850.00}.

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 2025-03-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-11 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash Apps ( Block Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( GFPA ) 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, there 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 been caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX. XX/XX/XXXX By my mobile phone I donated {$100.00} to XXXX XXXX. 
XXXX. XX/XX/XXXX later that day I see on my Citi Card APP a charge from XXXX XXXX for {$6600.00}! I never authorized this amount AND I am very disappointed that Citis Fraud department did not call me or text my cell asking me if this is FRAUD or to approve this charge. I Never signed any document for this amount they are 100 % fraudulent with this charge. I ONLY gave a {$100.00} donation. 
3. Immediately, I call Citi XXXX that day and Asked to Open a dispute on this unapproved charge. I was able to dispute it on my Citi App but the person on the phone said he could not take this from me because as of that time he did not see the charge on his end. He even gave me the phone number of XXXX XXXX to call and dispute this. 
4. I immediately called an received a phone automated answer with WIN RED. They had an option for Returns and Mistakes, I left my information and last 4 of my credit card and told of my problem. They Never emailed me anything But because it was such a GLARING mistake and high amount I expected Citi Credit card company to Dispute this charge and make this right! 
5. XX/XX/XXXX I called Citi Dispute and spoke with XXXX XXXX who assured me that he would remove this {$6600.00} charge I thought he said indefinitely. He asked me to fill in a form which he sent me I emailed this on XX/XX/XXXX listing the details as I am telling you now. I emailed this to XXXX. I never received an email back. 
6. With the help of someone at Citi Card I could see 2 alerts were sent to me through the app XX/XX/XXXX and XX/XX/XXXX. I never saw these as I don't look through the app every day and thought my XX/XX/XXXX complaint was enough. 
7. As I was looking thru with my statement with my accountant, we see that Citi REVERSED this {$6600.00} on my XXXX statement and that is dated XX/XX/XXXX! 
8. Again today, I am trying to pay my XXXX XXXX and see this charge REVERSED again! I do not owe this money. 

I have done everything I can to get Citi Card to understand I never made this transaction. The only thing I got from Citi is a letter stating that WIN RED is offered me {$4.00} refund! This figure has nothing to do with this {$6600.00} transaction. 

I sent a response letter to the Citi Alert of XX/XX/XXXX. In GOOD FAITH I listed the only information I have about this problem. There should have been some kind of approval from me in order to charge my card for such a high amount. There is no record of this transaction within my XXXX account either. They are 100 % fraudulent and I would expected to be PROTECTED by CITI CARD!

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 monetary relief