vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I applied for a loan with One main financial company for a personal loan for about XXXX dollars for bathroom repairs on XX/XX/XXXX. They asked me to send over my paystubs and other documents for verification of income. The woman called me back a few days later to inquire about why there were not any taxes taken out of my checks for one of the companies I submitted to her. I explained that I was not required to pay taxes on the income I received. She told me that she would have to check with her supervisor to find out if they could use income that did not have taxes withheld and would call me back XX/XX/XXXX. I received a call back from her on XX/XX/XXXX stating my loan was denied because they could not verify my income. However, I have reason to believe I was denied because I did not have taxes taken out of my check. The company I work for is a reputable company, and they would have provided proof of income if they would have verified with the company. I purchased a home with the same income with no issues. but since there were not any taxes taken out of my check I was denied and that is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX is violating my rights with UNLAWFUL CREDIT REPORTING UNDER 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), FCRA, AND MD. CODE ANN., COM. LAW 13-301

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 2025-04-05 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a debit card in the mail for my new Citibank account. I tried to activate the debit card through the mobile app & it locked it out of my account. I called customer service multiple times to receive little or no relevant 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> ( transunion ) The following inquiry was not and should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of XXXX XXXX and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I called XXXX XXXX  and asked them to remove this inquiry from my credit file and I was told to call XXXX XXXX I called XXXX and they told me that I needed to make a police report. I did and mailed XXXX the information but I am also sending the case # to you ( XXXX ) which was given to me from the XXXX Police Department and the officers name is XXXX XXXX. Hopefully this will get these inquiries removed. Also, XXXX XXXX dated XX/XX/year> should also be removed because this was also not authorized. Also inquiry dated XXXX XXXX... XXXX XXXX XXXX needs 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 explanation
Consumer complaint received 2025-04-05 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: WY

Complaint narrative:
I have disputed the following XXXX accounts with the credit bureaus and they have deleted from XXXX credit bureau and not the other XXXX with all XXXX accounts I asked for the method of verification and the ignorared my request.i would like the following accounts investigated and deleted immediately because they are impacting me being able to purchase a vehicle and I also would like {$2000.00} per account damages due to the negligence of the constant disregard for my rights by all XXXX bureaus. # XXXX XXXX international balance {$6700.00} TransUnion deleted this account but the other XXXX didn't. # XXXX mtr XXXX XXXX {$26000.00} account # XXXX deleted from TransUnion but not the other XXXX bureau 's # XXXX balance {$1400.00} XXXX account # XXXX # XXXX balance {$530.00} account # XXXX deleted from TransUnion and XXXX but not from XXXX. # XXXX account # XXXX deleted from XXXX but not from XXXX and TransUnion. # XXXX account # XXXX deleted from XXXX and XXXX but not from TransUnion. # XXXX of Missouri account XXXX XXXX balance {$1200.00} # XXXX premier account # XXXX balance {$1600.00} XXXX has violated my XXXX protected rights because they didn't investigate the formentiokns XXXX accounts.also TransUnion also didn't XXXXnvestigate the XXXX accountsisted above.also XXXX violated my rights XXXX they reinsert the above XXXX accounts.i have asked for proof of investing and the XXXX bureaus have ignored me.please deleted the XXXX accounts listed above from ALL XXXX bureaus.i am requesting proof of the investigation or please delete the above XXXX accounts.i am requesting {$2000.00} from all XXXX bureaus and delete all XXXX negative accounts because there violating my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: WY

Complaint narrative:
I have disputed the following XXXX accounts with the credit bureaus and they have deleted from XXXX credit bureau and not the other XXXX with all XXXX accounts I asked for the method of verification and the ignorared my request.i would like the following accounts investigated and deleted immediately because they are impacting me being able to purchase a vehicle and I also would like {$2000.00} per account damages due to the negligence of the constant disregard for my rights by all XXXX bureaus. # XXXX XXXX international balance {$6700.00} TransUnion deleted this account but the other XXXX didn't. # XXXX mtr XXXX XXXX {$26000.00} account # XXXX deleted from TransUnion but not the other XXXX bureau 's # XXXX balance {$1400.00} XXXX account # XXXX # XXXX balance {$530.00} account # XXXX deleted from TransUnion and XXXX but not from XXXX. # XXXX account # XXXX deleted from XXXX but not from XXXX and TransUnion. # XXXX account # XXXX deleted from XXXX and XXXX but not from TransUnion. # XXXX of Missouri account XXXX XXXX balance {$1200.00} # XXXX premier account # XXXX balance {$1600.00} XXXX has violated my XXXX protected rights because they didn't investigate the formentiokns XXXX accounts.also TransUnion also didn't XXXXnvestigate the XXXX accountsisted above.also XXXX violated my rights XXXX they reinsert the above XXXX accounts.i have asked for proof of investing and the XXXX bureaus have ignored me.please deleted the XXXX accounts listed above from ALL XXXX bureaus.i am requesting proof of the investigation or please delete the above XXXX accounts.i am requesting {$2000.00} from all XXXX bureaus and delete all XXXX negative accounts because there violating my federally protected rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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 am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information :

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 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:
This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
This letter is because I was just notified of accounts added to my consumer report that I did not apply for nor recognize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts are fraudulent and I ask to be removed. In addition, please place a afraud alert under my name to avoid future consequenses. Thank you for your important time in this matter.

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 2025-04-05 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: AZ

Complaint narrative:
This letter is because I was just notified of accounts added to my consumer report that I did not apply for nor recognize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts are fraudulent and I ask to be removed. In addition, please place a afraud alert under my name to avoid future consequenses. Thank you for your important time in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App receipt ask me to send to accounts that was here and after amounts deposited she then stat its wrong account and end up depositing amount of {$3500.00} in various accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I satisfied my timeshare holding and account with this timeshare company, XXXX XXXX XXXX XXXX XXXX XXXX ), holding company for the XXXX community at XXXX, VA in XXXX. After that, I waited until XXXX for them to provide receipt of closed status, satisfaction, good standing and deed reconveyance - all notarized documents. They sent all proof and evidence that there is no longer an account or deed in my name and since, they refuse to respond and report accurate information to Experian, so my account and report with that credit bureau shows as an active, open account with a balance - false information. This inaccurate information needs to be removed from my consumer credit report, as it is falsely counting against my debt to income ratio and other issues actively causing hardship for me and obstructing me from making progressive economic advances for the betterment of myself and my family.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX account isnt mine XXXX  account isnt mine. I informed all three credit bureaus that I want copies of the signed contract between each company I disputed and myself. They failed to comply within the 30 day grace period, nor did they provide these documents at all. I had my identity stolen due to the XXXX XXXX  data breach. My personal information has been stolen is for sale and has been sold on the dark web. I verified this thru XXXX. I personally have not opened any new accounts since XXXX. All these new open accounts are not mine. I asked all three bureaus, XXXX, Espwrian, and XXXX XXXX, to provide me with evidence with consumer member identification and copies of signed contracts between each account I disputed and myself. They have not provided and documents I demanded to receive.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. This is XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and unjust late payment notations on my credit reports for the above-referenced accounts, reported during the COVID-19 pandemic period ( XX/XX/XXXX XX/XX/XXXX ). Also they are violating my rights according to the following laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) 2. FCRA, 15 U.S.C. 1681i 3. CARES Act, Section 4021 ( Pub. L. 116-136 ) 4. Maryland Consumer Credit Reporting Agencies Act ( MCCRAA ), Md. Code Ann., Com. Law 14-1208 5. Maryland Consumer Protection Act ( MCPA ), Md. Code Ann., Com. Law 13-301 et seq.

Company response to consumer: Closed with non-monetary relief