vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: WA

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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Request for Immediate Deletion of Fraudulent XXXX  Account from Credit Report CFPB Complaint Follow-Up To : Consumer Financial Protection Bureau Company : TransUnion , LLC Product : Credit reporting Issue : Incorrect information on credit report Account Number : XXXX Complaint : I am writing to formally request that TransUnion immediately delete the tradeline associated with the following fraudulent account from my credit report : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently without my knowledge or consent, as I am a verified victim of identity theft. I previously submitted CFPB Complaint No. XXXX, which resulted in a written response from XXXX dated XX/XX/year>, confirming the following : XXXX reviewed the FTC identity theft report provided by the consumer refuting that he applied for the loan. Per the XXXX policy, we have made the concession to not hold the consumer liable for the loan. XXXX also submitted a request to the Credit Reporting Agencies to delete the tradeline from his credit report. 
( See attached letter signed by XXXX XXXX, XXXX XXXX ) Despite this clear directive from the creditor, TransUnion continues to report this account, which is causing significant and ongoing harm to my credit profile and financial wellbeing. 

This failure to delete the tradeline violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block information resulting from identity theft upon proper notification. 

Requested Action : Immediately delete the XXXX XXXX XXXX Account # XXXX ) from my TransUnion credit file. 

Refer to the attached statement from XXXX confirming their request for deletion. 

Provide written confirmation that the tradeline has been permanently removed. 

Thank you for your prompt attention to this matter. I am happy to provide additional documentation, including the FTC Identity Theft Report ( Report # XXXX ), police report, and full CFPB correspondence, upon request. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I visited a XXXX location in XXXX NC to deposit a ( previously verified ) {$11000.00} cashier 's check drawn on XXXX XXXXXXXX XXXX. Prior to depositing, I asked the representative at the teller counter if there would be a hold placed on the funds for any reason. She verified my account and responded that the funds would be available the next day, XX/XX/XXXX. It was close to XXXX, so I assumed her answer was relative to the end of the banking day, so I agreed and deposited the cashier 's check. This morning, I found that the funds were not available, so I reached out and was informed by online support that there was a hold, and it would be released on XXXX. I then reached out to the XXXX XXXX Manager and requested an explanation for the funds being held, asked if the cashier 's check was still physically present, and if the hold couldn't be removed would it be possible for me to pick the cashier 's check up and cash it with the issuing bank. I was told that he would find out if that was a possibility. After 3 hours and an attempted call back to the XXXX XXXX Manager that was unanswered, I contacted XXXX Customer Service and was informed again of the policy. I explained that this was placing a tremendous hardship on my family, and if their employee had just given complete information, this all could have been avoided by me cashing the check with the issuing bank and depositing it with XXXX. The supervisor apologized for their employee 's actions, and essentially said the hold still stands. I asked why a cashier 's check was being held, and was informed that XXXX would do that if they suspected fraud. He then informed me that they did not suspect fraud in my case. I finally asked if they funds cleared prior to XXXX, would they funds be released and I was informed that they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The company Fair Collections Outsourcing has reported erroneous and false information on my Consumer Credit Report. They report a balance of {$9400.00} owed as of XX/XX/2024 to the Original Creditor of XXXX XXXX XXXXXXXX XXXX. This is not my debt. The Communication sent to me on XX/XX/2024 by Fair Collections and Outsourcing. In this communication they also indicated that to dispute the debt I need to write them through a portion on the bottom of the letter indicating issues with the debt. Despite my response indicating that I do not owe this debt given through that form last XX/XX/2024 ( also attached ) they have failed to furnish the requested information to me. I completely deny this debt. According to The Fair Credit Reporting Act specifically the Furnishers Law All furnishers of credit must report accurate and validated information to my Consumer Profile including to the XXXX credit bureaus known as XXXX XXXX XXXX XXXX Fair XXXX  Collections Outsourcing has violated this law. According to FCRA 15USC1681-all unverified information must be removed. 
In addition, please have Fair XXXX  Collections & Outsourcing 1.Please show a valid lease with my original signature on it guaranteeing I would pay this creditor 2. provide a Detailed list of the history of payments made by me on this account.

3. Im asking to see Has there been any insurance claims filed on this debt/ 4. Please show a chain of title which proves they have been assigned the right to collect this debt from me from the original creditor.

5.Please show the original account number associated with this debt from the original creditor.

6. Provide An itemization of the current amount of the debt that reflects interest fees payments and credits from the original creditor date.

I will be awaiting follow up on this communication and the removal of this erroneous info from my consumer credit report at all 3 bureaus. 
Thank you

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 2025-04-25 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: GA

Complaint narrative:
TransUnion is reporting two duplicate charge-offs from XXXX XXXX XXXX XXXX that are materially inaccurate and misleading. The accounts listed are XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$38000.00}, and another nearly identical listing, XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) for {$38000.00}. These appear to be the same obligation duplicated under slightly different account numbers and balances, which creates a false and inflated portrayal of my debt load. Under the Fair Credit Reporting Act, 15 USC 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. By reporting two nearly identical charge-offs for the same alleged debt, TransUnion is violating its statutory obligations. Furthermore, I have contacted XXXX XXXX XXXX XXXX requesting verification and documentation to clarify these entries, and they have failed to provide any evidence or even respond with clarity on why this account appears twice under different identifiers. This misreporting also raises a concern under 15 USC 1681XXXX, as TransUnion is required to reinvestigate any disputed information that is alleged to be inaccurate or unverifiable. The presence of both these entries significantly damages my creditworthiness, presenting a picture to lenders that I have more charge-offs than I actually do.

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 2025-04-25 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: WI

Complaint narrative:
I received a citibank credit card in XXXX. I got XXXX statement so far. No issues. 
XXXX XXXX XX/XX/25 I had a plumber here and he wanted my card number. I was paying with citibank. 
As of a week later there is no withdrawal and I started investigating. Because he doesnt want to speak to me thru XXXX, and he has 2 numbers and never calls me back, I'm wondering about my card. 
My problem is I HAVE NOT BEEN ABLE TO CONTACT CITIBANK. On my citibank account it says FRAUD ALERT!! I read this, itself, is a fraud warning maybe. 
The number on my credit card back connects me to an XXXX who asks for my entire credit card number. Citi says they never do that. So I hung up. 
I called every number I could find. Some XXXX woman sends my phone code I'm supposed to type in. Citi says their code is always a XXXX  digit beginning with XXXX ( I know it ). 
Hers began with XXXX. I mentioned this. She got snippy, told me to go elsewhere then, and hung up. 
I just called the corporate office which connected me to XXXX again. He wants my entire card number or SS number or phone number. I gave him the phone and it didnt help. I gave him a second phone. It didnt help. He wants my credit card number. 
Yesterday I called XXXX to put a freeze on the card. Done. But that doesnt help with scammers. XXXX gave me the correct citibank number. I used it today and got an XXXX asking for my complete card number. 
Meanwhile, the website lets me in thru the warnings, and my credit allowance went from XXXX limit to XXXX. I cant get in to lock the card ANYWHERE. I researched the bank in XXXX because THERE IS NO BANK IN XXXX. XXXX reviews were horrendous. They list all the ATMs in the country. XXXX in XXXX. All have the same XXXX area phone number. I researched and XXXX are usually frauds. 
I could pay them off and cancel the acct. XXXX says they tried that, it seems to come back unasked for. I know cancelling an acct, hurts your XXXX XXXX. 
NOW i see my middle initial on the card is XXXX  and mine is XXXX. There's nothing I can do about anything without a number. My next thing is to write and pay for a response from their corporate office. What I want is to get out of this crooked company. I need a legit contact. Using your name would help.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Dispute of Unverified Information- Account & Account Number ( One charge off per letter even if its the same company ) This letter is to Formally dispute the following account listed on my credit report.

Account Type : Dont Know Creditor Name : XXXX XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt. 

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 

If the credit or collection agency can not provide valid verification, and validation, within 15 days of my inquiry, I demand that you completely delete this account from my credit report. 
Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate. 

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 15 days of receipt of this letter. 
The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I use Venmo for my landscape design business. Everything was confirmed to be set with my business account. Then it said not connected after my client sent the money. Customer service asked for ID. I sent my passport, bank statement, and I have the phone code txt messages. It is me! 

At this point they froze my account, refuse to help - I want to refund the money so my client can write me a real check. I'm fed up. Its been 18 days of being given the run around. I have screen shots I hope you are still there to help consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have included all the calls and voicemails. This is harassment. I was threatened by one of your supervisors that he was just gon na come and refill my car himself. I will continue to file complaints and provide proof that yall have been harassing me to get this bill I understand that Im a little bit late and Im paying on it, but that doesnt mean that I deserve to be harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an XXXX XXXX IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. XXXX XXXX XXXX XXXX, SC XXXX is my address but you are reporting addresses I do not affiliate with. I have also identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX : XXXX Inquiries XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I'm filing this complaint because there is a false late payment reported on my Bank of America credit card account, which is damaging my credit report unfairly. 

Account Number : XXXX ( or XXXX * * * * ) Date Opened : XX/XX/XXXX Issue : A late payment mark for XX/XX/XXXX is being reported by XXXX and XXXX 

This is completely incorrect. I have never missed or been late on any payments for this accountor any other, for that matter. I manage my finances carefully and always pay on time. 

I have already disputed this with the credit bureaus, but they failed to fix the error. This has been frustrating, and I feel my concerns are not being taken seriously.

This inaccurate reporting is hurting my credit score and reputation.

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 2025-04-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-25 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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: Experian Information Solutions Inc.
State: FL

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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