vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. CXXXX XXXXg ( XXXX ). According to, 15 U.S. CXXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-03-23 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-03-23 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: OH

Complaint narrative:
This following letter was sent to the 3 credit bureaus, Equifax, Experian, and Transunion on XX/XX/XXXX. 

Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Child Support Reference from Credit Report Dear Sir/Madam, I am writing to request the removal of the following child support references from my credit report, as they are both illegal and violate the Fair Credit Reporting Act ( FCRA ) : Creditor : Child Support Enforcement Reference # : XXXX Date Reported : XX/XX/XXXX Amount : {$12000.00} Creditor : XXXX XXXX Reference # : XXXX Date Reported : XX/XX/XXXX Amount : {$12000.00} The reporting of child support obligations as debts on a credit report is illegal, as established by the court case XXXX XXXX XXXX XXXX XXXXXXXX XXXX. TransUnion LLC XXXX XXXX ( Case # XXXX ). In this case, the court ruled that child support can not be listed as a debt and should not negatively affect a person 's credit profile. 
Child support payments are not a credit-based obligation and should not be included in my credit file. I am invoking my rights under Section 611 of the FCRA to dispute these inaccuracies, and I request that you promptly remove the child support references.

Furthermore, Section 604 of the FCRA outlines that only information related to credit-based debts should be included in a consumer 's credit file. Child support obligations do not meet the criteria for a credit-based debt and thus can not be reported.Please provide me with a confirmation of the removal of these items and any further actions that are necessary. I anticipate your response within the FCRA 's required time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-03-23 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: OH

Complaint narrative:
This following letter was sent to the 3 credit bureaus, Equifax, Experian, and Transunion on XX/XX/XXXX. 

Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Child Support Reference from Credit Report Dear Sir/Madam, I am writing to request the removal of the following child support references from my credit report, as they are both illegal and violate the Fair Credit Reporting Act ( FCRA ) : Creditor : Child Support Enforcement Reference # : XXXX Date Reported : XX/XX/XXXX Amount : {$12000.00} Creditor : XXXX XXXX Reference # : XXXX Date Reported : XX/XX/XXXX Amount : {$12000.00} The reporting of child support obligations as debts on a credit report is illegal, as established by the court case XXXX XXXX XXXX XXXX XXXXXXXX XXXX. TransUnion LLC XXXX XXXX ( Case # XXXX ). In this case, the court ruled that child support can not be listed as a debt and should not negatively affect a person 's credit profile. 
Child support payments are not a credit-based obligation and should not be included in my credit file. I am invoking my rights under Section 611 of the FCRA to dispute these inaccuracies, and I request that you promptly remove the child support references.

Furthermore, Section 604 of the FCRA outlines that only information related to credit-based debts should be included in a consumer 's credit file. Child support obligations do not meet the criteria for a credit-based debt and thus can not be reported.Please provide me with a confirmation of the removal of these items and any further actions that are necessary. I anticipate your response within the FCRA 's required time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-03-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Subject : Urgent Request for Assistance : Ongoing Identity Theft and Access Issues with Unemployment Benefits Dear CFPB Team, I am writing to seek your urgent assistance regarding a troubling situation that has severely impacted my ability to access my unemployment benefits. My name XXXX XXXX and my Social Security Number is XXXX Since XXXX [ year ], I have been experiencing significant issues logging into my Hire account, which I use to claim my weekly unemployment benefits. Recently, I have encountered messages indicating that my account contains inaccurate information, which threatens my ability to receive the benefits I am entitled to until the end of this 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 2025-03-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX Subject : Urgent Request for Assistance : Ongoing Identity Theft and Access Issues with Unemployment Benefits Dear CFPB Team, I am writing to seek your urgent assistance regarding a troubling situation that has severely impacted my ability to access my unemployment benefits. My name XXXX XXXX and my Social Security Number is XXXX Since XXXX [ year ], I have been experiencing significant issues logging into my Hire account, which I use to claim my weekly unemployment benefits. Recently, I have encountered messages indicating that my account contains inaccurate information, which threatens my ability to receive the benefits I am entitled to until the end of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. CXXXX XXXXg ( XXXX ). According to, 15 U.S. CXXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TOWNEBANK
State: VA

Complaint narrative:
I came to talk to them about all the fraud that occurred on my account they said they would fix it the same day they close my account cause they was trying to avoid paying me this bank is a well known XXXX XXXX  Ive had problems with making deposits being judge cause XXXX XXXX and assuming things I havent seen them treat any other person at that branch college or customer the way that have treated me been banking with them almost a 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 2025-03-23 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
From summer XXXX till XX/XX/XXXX I had difficulty excessing the payment portal and application to manage my accounts and this contributes to current account status XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank of Delaware

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX Subject : Unauthorized Hard Inquiry Removal Request Dear Experian, I recently reviewed my credit report and found unauthorized hard inquiries that I did not initiate or approve. Under the Fair Credit Reporting Act ( FCRA ) USC 1602p and USC 1681 ( b ), I have the right to request proof that I authorized these inquiries. 

The following inquiries appear on my report without my consent. 

XXXX. XXXX. XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please provide documented proof that I authorized these inquiries, if no such proof exists. I demand their immediate removal from my credit report. 

Failure to respond within 30 days will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and FTC Sincerely, 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 2025-03-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( XXXX  ) to gain access to multiple internal systems within the Departent of Education, including financial aid dataset that contains the personal informaion of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : CFPB, EXPERIAN, and XXXX XXXX XXXX XX/XX/XXXX I AM REQUESTING A REINVESTIGATION OF MY KICKOFF ACCOUNT # XXXX. 
THE ACCOUNT TYPE REPORTED AS CHARGE CARD. I HAVE NEVER HAD A CHARGE CARD FROM KICKOFF THIS IS NOT MY ACCOUNT THIS ACCOUNT WAS OPEN XX/XX/XXXX WHY WOULD I HAVE OPEN THIS ACCOUNT WHEN I'VE ALREADY HAD AN ACCOUNT ALREADY OPENED WITH KICKOFF ACCOUNT XXXX XXXX  PLEASE DELETE THIS ACCOUNT # XXXX THIS IS NOT MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX {$680.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$310.00} All of these are inaccurate debt and all accounts have been closed without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent
administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: AL

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, CHALLENGED OR NOT.

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
Back in XX/XX/year>XXXX  i recieved a message that stated one of my friends couldn't cashapp me i tried logging into my account and it wouldn't let me i then called cashapp that morning just to be told that it was actually closed at least a week before the XXXX i asked what was the reason for the closure the guy then replied " suspicious activity '' i then replied why wasnt i notified of this he then said it didnt matter i asked what was the suspicious activity he said im " not sure '' i then asked for a supervisor to which the supervisor sounded like the same individual i was speaking with i asked why was my account closed he to responded " not sure '' i then said i need you to send me the proof to the reasoning why you closed my account he said sure we will get it out today and i never saw the proof they did not notify me of any suspicious activities they failed to notify me that they were closing my account as well and never sent me the information to why it was closedcashapp has been nothing but problems since i opened that account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
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, CHALLENGED OR NOT.

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 2025-03-23 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: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief