vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: AZ

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 2025-03-17 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:
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 non-monetary relief
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can`t be provided I demand these payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My cashapp account was hacked and put into the negatives by a false check deposit which resulted in legal action being taken against me since the account was in my name. Im currently still fighting the court system to prove my innocence but this has put a toll on me for the past 2 almost 3 years mental and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX 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 2025-03-17 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: GA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XX/XX/year> has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XX/XX/year> has violated my rights. 

EXPERIAN XXXX XXXX XXXX XX/XX/year> TD BANK N.A. XX/XX/year> has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
My business credit card account has been closed and the bill has been paid in full which they had no right to close the account when I am the beneficiary owner of the account and the one who created the credit with my signature so since the account is closed and I'm sure they wrote the account off and it's still actually showing open and there's still getting paid off the account that I can not use I would like my 1099-C form from US Bank pertaining to the business credit card account the have closed from me using it but still have it open drawing funds from the 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 non-monetary relief
Consumer complaint received 2025-03-17 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-17 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Dispute of Account Reporting Dear XXXX XXXX Bank Customer Service, I am writing to formally dispute the accuracy of the information reported on my credit report regarding my XXXX XXXX Bank account ( Account Number : [ Your Account Number ] ). According to my records, the status of this account reflects a payment status of " 120 Days Late, '' which I believe is incorrect.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. I request that you investigate this matter and correct any inaccuracies. Specifically, I would like to challenge the following details : 1. **Payment Status** : The account is reported as " 120 Days Late. '' I believe this status is inaccurate due to [ briefly explain your reason, e.g., payments made on time, misunderstanding, etc. ]. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information.

2. **Amount Past Due** : The reported amount past due is {$150.00}. I request clarification on this amount and how it was calculated. Under 15 U.S.C. 1681s-2 ( b ), I expect a thorough investigation into this claim.


3. **Credit Utilization** : The report indicates that my credit used is at 139 % of my credit limit, which appears to be a mistake and does not accurately reflect my actual usage. Falsely reporting information is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). I also remind you that the FCRA mandates that you complete your investigation and respond to me within 30 days of receiving this dispute, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ).

Please provide me with any documentation that supports the current status of this account, including payment history and communications regarding this account. Additionally, ensure that my account information is reported accurately to the credit bureaus.

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-03-17 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: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of XXXX  of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. FERPA is a U.S. federal law that regulates access and disclosure of student education records and DOGE has clearly violated this law. 

XXXX XXXX XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : XXXX Discharge all student loans on my account due to this clear violation. FERPA is a U.S. federal law that regulates access and disclosure of student education records. Also remove these items from all of the major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of XXXX  of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. FERPA is a U.S. federal law that regulates access and disclosure of student education records and DOGE has clearly violated this law. 

XXXX XXXX XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : XXXX Discharge all student loans on my account due to this clear violation. FERPA is a U.S. federal law that regulates access and disclosure of student education records. Also remove these items from all of the major credit agencies.

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 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am currently facing persistent harassment from a company related to an account with XXXX XXXX XXXX. Despite blocking over XXXX different phone numbers, I continue to receive calls regarding this matter. The primary issue that led to my departure from XXXX XXXX XXXX was the exorbitant monthly charge of {$290.00} for a single line. I was informed that these charges were due to additional fees and a delinquent payment. I maintained payments at the same monthly rate for almost XXXX months until I was presented with a {$500.00} bill, which prompted my decision to terminate the service, as I felt I was being taken advantage of by XXXX XXXX XXXX. Now, I am being pursued for an amount exceeding {$1000.00}, purportedly due to interest. I contend that I do not owe this amount and believe that XXXX XXXX XXXX actually owes me money, as they have failed to provide a clear explanation and evidence concerning the charges reflected on my bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX  Balance {$8100.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX {$770.00} Open Date XX/XX/XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$140.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX 2024

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 2025-03-17 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OR

Complaint narrative:
Mohela closed and re opened my student loans, effecting my credit score. This is the XXXX  time this has happened and my credit score dropped drastically. I tried reaching out but got in an endless loop of self help and no customer service to figure out why this occured. I had not made any changes to my loans and they are uptoday and current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I got a debt collection notice from XXXX  for an account I never opened, I stop using XXXX XXXX  from XXXX, these bills are from XXXX which is never belongs to me, I called XXXX XXXX and asked about this, They have the collection agency name and number and asked me to contact them. when I called collection agency they said to contact XXXX XXXX. they never give any definite answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing complaint against Cash App XXXX Block Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act, 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 didnt 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 2025-03-17 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: NY

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 response to consumer: Closed with explanation