vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Personal Information & Addresses Under FCRA ( 15 U.S.C 1681i ) Dear TransUnion, XXXX, and XXXX, I am writing to formally dispute inaccurate personal information and addresses listed on my credit report. On XX/XX/XXXX, I applied for a mortgage loan to purchase my home and discovered these errors. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, I request an immediate investigation and correction of these inaccuracies. 
Corrections Requested : Name : The only correct name that should appear on my report is XXXX XXXX XXXX. Please remove all incorrect name variations, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : The only correct address that should appear on my report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please delete all other addresses, including : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
Someone hacked into my account and cashapp is acting like they cant help with the issue or retrieve my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T bank shows I am making installment loan payments. I do not have an account with M & T bank. It shows a balance of {$13.00}, 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 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital Sys RE : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for 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 : XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
This account has been deleted then reinserted into my consumer report without notifying me. This account also shows incorrect information. These are violations of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a debit card from Cash App in the mail. I did not approve or request a debit card. I called to ask why I was sent a debit card that I didnt open or approve and they said they will send me an email to verify my identity so they can investigate it. I asked that they cancel my account since Ive deleted their app and not used my account for years. They said I had to download the app and use the chat function to cancel. I said my phone doesnt have more memory to download apps. They said thats the only way they can do it. I still never got a response on why I was sent a debit card I never approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One credit card, XXXX XXXX XXXX credit card. Inaccurate report on credit. Has been disputed but not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
i received a letter stating the account should and would be removed by the vendor

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 2025-03-30 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: TX

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

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 2025-03-29 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for 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 : XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-03-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX. XXXX However, they stated everything was complete and accurate. But how is that possible, if the open date, date of last activity, and many other details are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-29 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2025-03-29 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: SC

Complaint narrative:
This account is a medical account that is being reported on my consumer report as a collection. As of XX/XX/year>2025, a new rule from the Consumer Finacial Protection Bureau prohibits consumer reporting agencies from including medical debt on credit reports. Effectively banning medical debt from appearing on credit reports.

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 2025-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo declined Mediation Proposal after stating they like to make my situation right. Unfortunately nothing have changed with Wells Fargo. They are still failing to make thing right with their customers.

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 2025-03-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX. XXXX However, they stated everything was complete and accurate. But how is that possible, if the open date, date of last activity, and many other details are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX. XXXX However, they stated everything was complete and accurate. But how is that possible, if the open date, date of last activity, and many other details are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
Subject : Request for Immediate Deletion of Incorrect Addresses from My Credit Report Dear Credit Bureau I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to ensure that all information in a credit report is accurate, complete, and verifiable. The continued reporting of incorrect addresses on my credit file is a violation of this law and constitutes a breach of your legal obligations. 

The following addresses on my credit report are incorrect and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses do not belong to me and should not be associated with my credit report. My correct and current address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Please remove these incorrect addresses immediately and provide written confirmation of the deletions. If these inaccuracies are not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies. 

I have enclosed a copy of my government-issued identification and a recent utility bill as proof of my correct address. I request that this matter be resolved as soon as possible, in compliance with the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and provide me with an updated copy of my credit report reflecting the necessary corrections. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued identification Proof of address ( e.g., utility bill )

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 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I tried to open an investment account in XXXX and CashApp said there was already an account with my social security number, this was concerning because it wasnt mine. I went through all the steps to verify my identity. I send pictures of my social security card. I was working with someone named XXXX and he kept telling me they couldnt open an investment account for me. At this point I was really just concerned that someone was using my info and just wanted confirmation that their account would be closed. That never happened and as far as I know someone is still using my information. Im worried about issues with the IRS. XXXX told me today that he was closing my complaint without resolution. I really just want the fraudulent account closed. I tried to open a new complaint case today since the fraudulent account was never addressed and they refused. They are knowingly allowing someone to fraudulently use my information and I dont seem to have any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXXXXXX NATIONAL CREDIT SYSTEM [ XXXX XXXX XXXX, XXXX, GA XXXX. ] Subject : Cease Communication Request Under 15 U.S.C. 1692c ( c ) Dear To Whom It May Concern '' I am writing in reference to the debt account associated with [ specific details, such as account number, if available ]. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding the referenced debt, effective immediately.

Please note that this request does not constitute an acknowledgment of the validity of the debt. It is my right under the FDCPA to request that all communication from your company regarding this matter stop. 

Thank you for your attention to this matter. Please confirm receipt of this request in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: KY

Complaint narrative:
My SS # and mailing address was compromised. An account was opened in my name, put in collections and ruined my credit. There are incorrect names and an incorrect account on my reports that are not mine. I have sent certified letters with copies of police report for identity theft and copies of the Federal Trade Commission report along with a letter from the company that turned me into collections saying it was a mistake and that I'm not responsible for this debt asking that the improper info be removed immediately from my reports ; also I put a freeze on all 3 credit reporting agencies. XXXX asking for a document with my SS # to be mailed and gave me two different addresses to send to. I am not comfortable sending my SS # thru the mail as I already am a victim of identity theft and was also instructed by the police not to give my SS # out. It took minutes to ruin my life and now I'm being told 30 to 90 days to have this corrected ( if at all ) and I want my credit restored, the company ( XXXX ) completely removed from my reports and the correct spelling of my name. Also the names XXXX, XXXX and XXXX removed from my reports. None of those names are associated with me in any way. Please help me to get this done. 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 2025-03-30 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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