vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$470.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$220.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Dispute was filed with chime against underdog XXXX and denied, I filed a rebuttal and they did not use my new evidence on the rebuttal instead they used the evidence against the original claim. Which wasnt even sent until after the rebuttal. No investigation was performed. The evidence in the rebuttal from XX/XX/XXXX and uploaded XX/XX/XXXX was used as a reason to deny my original claim. Which the documents came XX/XX/XXXX 2 days after I uploaded documents for rebuttal. I have documentation of this. The rebuttal was denied XX/XX/XXXX after filing XX/XX/XXXX which is more than XXXX business days and I have yet to receive a credit from any dispute. Only a denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In XX/XX/XXXX, I received an offer from American Express to upgrade my Blue Cash Everyday Card to the Blue Cash Preferred Card. The offer appeared via a pop-up menu after I logged into my American Express account XXXX 

After doing some research, I learned that the XXXX XXXX XXXX XXXX offers a XXXX % introductory APR and other reward benefits. I decided to proceed with the upgrade online. I began using the credit card and set up auto-pay to pay off the minimum payment each month. However, in the second month 's statement ( for the statement closing period ending XX/XX/XXXX ), I noticed an interest charge of {$52.00}. I immediately called customer service to inquire about this. I was told that, because this card was an upgrade, the XXXX  % intro XXXX did not apply. 

I spoke to multiple representatives and even a manager to complain that the online benefits were confusing and potentially deceptive ( see the attached screenshot ). They explained that the computer system would not allow them to adjust the interest charge. Wanting to avoid any further interest charges, I paid off the entire balance of {$6100.00} on XX/XX/XXXX. Additionally, I updated my auto-pay to pay off the full statement balance each month. 

Despite this, I was charged another interest fee of {$110.00} on XX/XX/XXXX, and another of {$48.00} on XX/XX/XXXX, even though I had made my monthly payments. I contacted customer service again to request that these interest charges be reversed. After a lengthy and frustrating discussion, the representative told me that the computer system would not allow any adjustments. 

I am filing this complaint due to what I believe to be misleading and false advertising regarding the XXXX  % introductory XXXX on the Blue Cash Preferred Card for upgraded members. I request that my interest charges, totaling {$220.00}, be reversed. ( Statements attached. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I submited my payments on time i had to udergo XXXX XXXX to remove a XXXX and asked to change my mailing address and it wasnt don and do to that i have XXXX late on my account

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Continuous personal information that has not been updated or is constantly added.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Continuous personal information that has not been updated or is constantly added.

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 2025-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year> I wrote Mohela Loan Servicing a letter asking for full debt validation Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I requested full validation of this debt, including : Proof that Mohela has the legal right to collect this debt ( documentation of ownership, including assignment records from XXXX XXXX and XXXX ). 
A full accounting of the debt, including the original balance, all interest charges, fees, and payments made over time. 
A copy of the original signed promissory note proving my obligation to repay this debt. 
A detailed breakdown of how the balance was calculated and any applicable statutes or terms that govern this debt. 
Proof that this debt is not time-barred under my states statute of limitations. 


They Wrote me back on XX/XX/year> stating that they were unable to provide a copy of the disclosure statement for one of the loans and but that I was still obligated to pay however they could not confirm the debt. They also asked me to proved them with more specific information if I wanted to dispute or investigate further. They also said that if my letter was regarding credit reporting, discharge or removal of responsible party I would receive a separate response. They still did not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
I was moving from the barracks to a friends apartment at the moment due roommate issues. I was under a lot of stress when it happened, as I was moving the luggage XXXX, a stranger parked in front of me. He was asking for help getting money transferred to his account to another, he offered money for all the trouble afterwards. He looked desperate trying to get help and at that moment, thats where I was scammed out of my money trying to help. 

He asked for my phone so he can do the transaction quickly, there were so many signs that it was wrong, but I wasn't able to process right away, I wasnt in the right mindset. Instead of sending his money to my account, he used my money ( {$4500.00} ) and send it to my cash app account so he can send it to his own cash app account. I wasn't able to notice right away. I was scared if he would pull out a XXXX it would ended there On XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX lot building. I was scammed and robbed. 

I reported to the help desk in the building, the XXXX XXXX  got involved and reported it to my XXXX XXXX XXXX  ( which was denied for my claim ) and cash app too. 

Cash app has not provided any updates upon reporting the fraudulent scam that has happened to me. I would have never sent that large amount of money with to an account like that. 

I want Cash App to take the money back from the account that was fraudulently stolen from me. 

XXXX XXXX  XXXX number is also attached and information about the cash app accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: UT

Complaint narrative:
I am writing to formally request that you validate the debt referenced in your communication dated [ date of the debt collector 's communication ]. As per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am entitled to request validation of any debt you claim I owe.

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 2025-03-31 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: TX

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft. Under FCRA 605B, 615 ( f ), and 6023 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information from appearing on my credit profile, including unauthorized accounts or addresses. This also ensures that such debts do not reappear on my credit report. Additionally, an identity theft report prevents companies from continuing to collect debts that result from identity theft.

A copy of the relevant FCRA sections is enclosed. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies must block the reporting of any fraudulent information within four ( 4 ) days after receiving the following : Proof of identity, including copies of my Drivers License and Social Security Card ( provided ). 
A copy of my official Identity Theft Report. 
Identification of fraudulent information, including a list of accounts opened as a result of identity theft. 
A completed FTC Identity Theft Affidavit and Complaint ( attached ). 

I am disputing the XXXX account ( Account XXXX : XXXX ), which was fraudulently opened in my name. 

I request that you comply with federal law and immediately and permanently block this account, along with any related addresses, inquiries, or other fraudulent information from my credit report, as required under FCRA 605B, 615 ( f ), and 6023 ( a ) ( 6 ). Please provide me with an updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 

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 2025-03-31 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, XXXX XXXX, am a victim of identity theft. Under FCRA 605B, 615 ( f ), and 6023 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information from appearing on my credit profile, including unauthorized accounts or addresses. This also ensures that such debts do not reappear on my credit report. Additionally, an identity theft report prevents companies from continuing to collect debts that result from identity theft.

A copy of the relevant FCRA sections is enclosed. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies must block the reporting of any fraudulent information within four ( 4 ) days after receiving the following : Proof of identity, including copies of my Drivers License and Social Security Card ( provided ). 
A copy of my official Identity Theft Report. 
Identification of fraudulent information, including a list of accounts opened as a result of identity theft. 
A completed FTC Identity Theft Affidavit and Complaint ( attached ). 

I am disputing the XXXX account ( Account XXXX : XXXX ), which was fraudulently opened in my name. 

I request that you comply with federal law and immediately and permanently block this account, along with any related addresses, inquiries, or other fraudulent information from my credit report, as required under FCRA 605B, 615 ( f ), and 6023 ( a ) ( 6 ). Please provide me with an updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am reaching out to formally dispute the presence of a bankruptcy entry on my credit report, as it has been inaccurately included. I have obtained an official letter from the court explicitly stating that this bankruptcy should not have been reported to your agency. Despite this clear evidence, the record remains on my credit file, which is both misleading and unjust. The continued presence of this inaccurate information is negatively impacting my credit standing and does not reflect my actual financial history. 

Furthermore, I am extremely concerned about the involvement of an unauthorized third party in this matter. This raises serious questions about the integrity and accuracy of my credit report, further exacerbating an already alarming situation. The presence of an unapproved entity in a matter as critical as my credit reporting is unacceptable and warrants immediate attention

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 2025-03-31 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: 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 debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX. XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX  XXXX - Account # XXXX XXXX. XXXX  XXXX - Account # XXXX XXXX. XXXX  XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX  XXXX XXXX  filing - Ref # XXXX Inquires : 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