vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
Accounts and balances are incorrect some accounts were closed during Covid 19 and should not been

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My accounts been closed for years and its still on my report I disputed it and they did nothing

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 2025-03-13 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: NC

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$180.00} XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$750.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$12000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$250.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>

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 2025-03-13 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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$180.00} XXXX XXXX Balance {$10000.00} XXXXXXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$750.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$12000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$250.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
Ive recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-13 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-03-13 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: FL

Complaint narrative:
I submitted an FTC report indicating that the information on my credit report is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter.

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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 2025-03-13 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 have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me.

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 2025-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received survival pension my husband was in the military so I received his pension and sometimes I don't have enough to pay bills I have to borrow some but they always end up charging me I don't know if it's wrong or right but the lawsuit says there were it was legal not against the law for them to be doing that I believe at that time they would charge you {$5.00} but they were charging us {$35.00} so if you can look into it I will appreciate it nothing can be done about it all I understand and I thank you for your assistance

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 2025-03-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
am writing to expose the deceptive and unethical practices of XXXX XXXX, which scammed me out of over {$5000.00} for a trip they canceled without my consent. 

My childs school promoted this trip, and I was persuaded by a teacher I trusted to sign up, believing it would be a great opportunity. However, after paying, I received no real details about the trip until XXXX weeks before departure. When I finally received the information, I was shocked and upsetmany aspects of the trip were misrepresented in the initial XXXX  call by the teacher. Feeling misled, I reached out to XXXX XXXX  to discuss the possibility of canceling. 

This past year has been incredibly difficult for my family. My husband, a XXXX veteran, has been unable to work, and I also lost my job. Given our financial struggles, I explained my situation to XXXX XXXX, hoping for some form of refund or assistance. Their response? A cold and absolute nothey refused to refund any of my money. With no choice, I told them I would proceed with the trip despite our hardship. 

Then, without warning, I received an email stating that my trip was canceled. I immediately tried contacting XXXX XXXX, spending numerous hours on the phone trying to reach themeven risking taking calls while at my new job. They never answered, and no one provided any explanation or resolution. 

Left with no other option, I reached out to my bank, USAA, which claims to serve XXXX and their families. I reported the fraudulent transaction under the clear grounds that I never received the services I paid for. Shockingly, USAA has offered no help whatsoever, further adding to this injustice. 

XXXX XXXX  has taken my money, failed to deliver the trip, and refused to be accountable. Their business model is designed to trap customers with misleading information, hidden policies, and a complete lack of customer service. I am sharing my experience to warn othersif you are considering XXXX XXXX, do not trust them with your money or your travel plans. Their practices are predatory, and families like mine are left to suffer the consequences. 

I demand accountability from XXXX XXXX and urge USAA to do better in protecting the very people they claim to serveVeterans and their families.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX I received notification that my IRS tax return ( {$5200.00} ) had been deposited. 

XXXX XXXX - XXXX a {$270.00} transaction that was declined. Reason given : This payment was declined for your protection. 

XXXX XXXX  - Reached out via chat with customer support. Was told by XXXX, support agent that he would reach out directly to their specialty team & asked to provide an email address for contact. Given a case # XXXX. Then another case # XXXX. 

XXXXXXXX XXXX  - Paycheck direct deposit {$980.00} XXXX XXXX - Card declined {$62.00} XXXX XXXX  Called Cashapp Support. Spoke with support representative & told to wait until someone from the specialty department contacts me via email. When asked for a phone call was told none can be provided. When asked the name of the specialty department I was told, They have no name. And that there is no timeframe to expect to hear from them via email. 

Id just landed out of town on a work trip. I can not rent a car, hire an XXXX, check into my hotel, or even purchase food. I am expecting yet another payroll direct deposit tonight that I fear I wont have access to, either. This is insane & has to be illegal. 

I found an email earlier today from Block. I thought it was spam/junk. It states the following : Block Hi, We are writing to inform you that your Cash App account has been temporarily put on hold due to a receivership.

Based on the terms of the receivership and applicable law, Cash App may be required to submit the held funds to the creditor in compliance with the receivership. 

If you have further questions about the receivership, please contact the creditor, whose information is provided below : XXXX XXXX XXXX Sincerely, Block Civil Process Please note that on XX/XX/year>, XXXX XXXX XXXX changed its name to Block , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ratchford Law Group, P.C.
State: PA

Complaint narrative:
On XX/XX/XXXX a bank freeze was put on my account for XXXX. From Ratchford Law Group , P.C . 
No communication in the prior year of how to satisfy debt. My account was frozen after XXXX communication within the year of initial judgement on how to resolve a debt, due to bank hold, unjustly placed on my account, you have created a financial burden for my family and my special needs child. You have constantly ignored my requests to resolve. I have emailed authorizing contact to determine status of collection, and been ignored. Therefor I am disputing this collection based on unjust practices by this legal group.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint Summary I have submitted multiple disputes to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) regarding inaccurate and outdated accounts appearing on my credit report. Despite my repeated requests, they have failed to conduct a proper investigation or provide sufficient method of validation as required by law. Additionally, several accounts remain on my credit report even though they are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ).

Details of the Issue Failure to Validate Disputed Accounts I disputed an account with XXXXXXXX XXXX XXXX ( Account Number : XXXX ), stating that it does not belong to me. 
The credit bureaus failed to provide proper verification, as required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

I repeatedly requested the method of validation, yet they continued to report the account without a legally sufficient response.

Failure to Remove Accounts Beyond the Statute of Limitations The following accounts have exceeded the seven-year reporting limit and should have been automatically removed under FCRA 15 U.S.C. 1681c ( a ) ( 4 ) : XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXXXXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number XXXX XXXX ) Despite my formal dispute requests, the credit bureaus refused to remove these accounts in violation of the FCRA. 
Failure to Conduct a Reasonable Investigation Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes an account. 
Instead, the bureaus provided automated responses and failed to provide any documentation or proof of validation. 
This is a clear violation of my consumer rights. 
Steps I Have Taken I have sent multiple written dispute letters to XXXX, XXXX, and TransUnion requesting the removal of these accounts. 
I specifically asked for the method of validation for the XXXXXXXX XXXX XXXXXXXX account , but they failed to provide sufficient documentation. 
I followed up multiple times, yet the incorrect and outdated accounts remain on my report. 
I warned the credit bureaus that failure to comply with the law would result in a formal complaint to the CFPB, but they still refused to take appropriate action.

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 2025-03-13 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: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I asked for the creditors to provide me with accurate info concerning these matters to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/2025, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/2025, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth:XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and XXXX my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXXXXXX XXXX, undefined

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