vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
This ongoing complaint, together with prior complaints, concerns SDCCUs ongoing failure to conduct a thorough investigation into my formal disputes, including the improper deletion of a positive account that had been reporting for over nine years. The deletion occurred after SDCCU received notice of disputes unrelated to that account. In its own response, SDCCU stated it did not initiate the deletion and attributed the removal to the consumer reporting agencies. However, SDCCUs failure to investigate the disputed deletion or to contact the CRAs demonstrates a continued disregard for its obligations as a data furnisher under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am writing to file a complaint against TransUnion for reporting **unauthorized hard inquiries** on my credit report. These inquiries were **not made or authorized by me** and I suspect they are linked to my personal information being compromised in the XXXX and XXXX data breaches**. 

The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX **XXXX XXXX XXXX** XXXX XX/XX/XXXX Under **15 U.S. Code 1681c-2 ( a ) **, I have the right to have information resulting from identity theft blocked from my credit file. Ive contacted TransUnion with supporting documents, but the inquiries remain. 

Please assist in ensuring these are removed and that TransUnion complies with federal law.

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: IL

Complaint narrative:
The company name is CashApp. A cashapp card was mailed to my address but I did not open any account with CashApp. I called their customer service line to close the account and ask questions about why I was mailed this and they said they could not find me in any of their systems. They said they closed it but I am not sure if that is accurate and they did not give me any information as to what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app has been holding hold funds from all purchases for 10 days and saying merchants are holding funds. When I know that to not be true because I used another card for a purchase for an online order for XXXX and funds were finalized in 24hrs days longest hold. I took a little trip to the XXXX that I made an online order with cash app card and they emailed my final receipt and showed me in their computer were they release the hold of my funds yet when I call cash app they insist on lying on merchants. I would like for an investigation to happen to find out what cash app is doing with peoples money on these 10 day holds if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I AM A VICTIM OF MY PERSONAL INFORMATION BEING INVOLVED IN THE EQUIFAX AND A EMPLOYER 'S DATA BREACH. I HAVE NOTICED INCORRECT INFORMATION BEING REPORTED TO MY CONSUMER PROFILE. THERE ARE ADDRESSES LISTED THAT I HAVE NO AFFILIATION WITH. I CALLED EACH BUREAU BY PHONE REQUESTING THIS INFORMATION BE DELETED AND AGAIN BY CERTIFIED MAIL BUT THESE ADDRESSES ARE STILL REFLECTING. REPORTING ANYTHING AS A RESULT OF IDENTITY THEFT OR DATA BREACH TO MY REPORT IS IN VIOLATION OF 15 USC 1681 C-2. I ALSO HAVE NOT GIVEN PERMISSION FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B

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 2025-04-08 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 AM A VICTIM OF MY PERSONAL INFORMATION BEING INVOLVED IN THE EQUIFAX AND A EMPLOYER 'S DATA BREACH. I HAVE NOTICED INCORRECT INFORMATION BEING REPORTED TO MY CONSUMER PROFILE. THERE ARE ADDRESSES LISTED THAT I HAVE NO AFFILIATION WITH. I CALLED EACH BUREAU BY PHONE REQUESTING THIS INFORMATION BE DELETED AND AGAIN BY CERTIFIED MAIL BUT THESE ADDRESSES ARE STILL REFLECTING. REPORTING ANYTHING AS A RESULT OF IDENTITY THEFT OR DATA BREACH TO MY REPORT IS IN VIOLATION OF 15 USC 1681 C-2. I ALSO HAVE NOT GIVEN PERMISSION FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
XX/XX/XXXX All accounts below have no address attached and was fraudulent and needs to be removed! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX are not only illegal and inaccurate but both of these frivolous accounts is past the statue of reporting. This is illegal on the credit bureau and the company itself. Please remove these accounts from my report asap! 

**** XXXX XXXXXXXX Balance {$6200.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX  Balance {$11000.00} Date Opened XX/XX/XXXX **** The account below is not attached to any of my addresses on file and thus yet is also illegal. All these accounts needs to be removed asap! 

XXXX XXXX XXXX XXXXXXXX {$1500.00} Date Opened XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

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 2025-04-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-08 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:
To : Dispute Department Date : XX/XX/XXXX Subject : Credit Report Inaccuracy Dispute Dear Dispute Department, I am writing to formally dispute inaccurate information I found on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information. However, I have identified the following accounts that contain incomplete or incorrect data : XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

The information reported for these accounts is not accurate or complete. Therefore, I respectfully request that you conduct an investigation and make the necessary corrections. Please provide a written response, including the results of your investigation and the sources you used to verify the disputed information. 

Attached are copies of my credit report and relevant supporting documents for your review. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX CELL ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm reaching out to you for help with my stolen identity. Could you please delete the specific item and make sure all other incorrect details are updated as soon as possible? Your prompt action would be greatly appreciated.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Verification of Debt* According to the FCRA, I have the right to request verification of the debt, including the amount and the name of the original creditor. Please provide me with documentation providing that you have the legal right to collect on this debt, as well as a complete account history. Under the FCRA creditors and finishers of information are required to provide complete and accurate information. I urge you to review the data they have reported. Failing to correct this inaccurate reporting may violate section 623 of the FCRA, which deals with the accuracy and integrity of information provided to consumer reporting agencies. It is indeed confirmed that inaccurate information has been reported to the credit bureaus, I may seek compensation for any damages incurred as a result, including but not limited to : any negative impacts on my credit score, potential challenges in obtaining credit, and emotional distress as caused by misinformation. In the response in XXXX. It clearly stated that they purchased the debt. So they aren't the original creditor and once debt is charged off I am owed a 1099c for tax reason. And I never received it nor I have heard a response back from them once we got off the phone. I would like all false reporting on credit report to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for XXXX XXXX XXXX XXXX account XXXX due to incorrect information reported. Experian denied to follow up with the investigation. I have contacted the company for verification of account multiple times and have not received any response from them. They have not issued any verification of reported account. They have an incorrect address in which it is not my address associated to their account. I have sent multiple emails to their support email for assistance regarding the account with no response. I have also mailed them letters requesting verification. Experian refuses to delete the account off my account without verifying the information. Experians investigation is incorrect and incomplete. I recently was notified that CFPB has filed a lawsuit against the company Experian. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. Experian has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian is violating my rights as a consumer, as well as federal laws.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
on XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to Transunion on XX/XX/XXXX asking them to investigate these accounts { XXXX  XXXX XXXX - Balance {$520.00} Opened XX/XX/XXXX } ... { XXXX Balance {$950.00} Opened XXXX XXXX ... { XXXX XXXX XXXX-Account number -XXXX - Opened XXXX XXXX I sent it certified mail- here is my tracking number on XX/XX/XXXX they sent me their investigation and said those accts are verified and accurate. and according to 15 USC 1681i ( 5 ) I see it states 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 credit bureaus did not reinvestigate and violated my right.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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