vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
This is my first 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 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

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit reporting has the wrong date of birth for me. I have tried multiple times to fix this problem. I can not do it online because it sends me a code saying call customer service. I have sent copies of my Social Security number and drivers license via mail multiple times and all I get is we have not received it. Every time I call I get people from XXXX that are extremely rude. They will not help me and I am stuck with a bad credit report that was last updated in 2018 and Im at the point now I feel helpless and trying to buy a home and can not until this gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am a victim of XXXX XXXX. I did not authorize or initiate the following hard inquiries : XXXX XXXX  XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 These inquiries violate FCRA 604 ( a ) ( 2 ), 604 ( f ), and 605B. 

I submitted a sworn affidavit, FTC Identity Theft Report ( Ref # XXXX ), declaration of harm, and proof of identity. 

I also request removal of all identity theft statements, fraud alerts, or consumer comments from my file per FCRA 611 ( b ), as I do not consent to their inclusion. 

Please remove the listed inquiries and confirm the deletions in writing.

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 2025-04-17 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: KY

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

Company 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 2025-04-17 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: SC

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within XXXX  days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> my XXXX XXXX and XXXX were stolen from me. I would later see transactions pop up for {$700.00} at XXXX in XXXX XXXX  on my Bank of America credit card I would send in a dispute for the transaction. They investigated the situation and deemed that since my phone was used as a verified device that my claim was denied. The thief saw my passcode and changed my password and purchased products with the apple pay feature of my card. 
I did file a police report and have attached it.

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 monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the commercial identity XXXX XXXX XXXX, which is also protected under state-level assumed name registrations. New American Funding is servicing a mortgage loan under my protected name without a valid license agreement or legal authority. They continue to send statements, apply interest, and report financial activity using this name in commerce. 

I have not signed any valid license agreement allowing New American Funding to use or service accounts under this identity. My name is protected by trademark ( XXXX XXXX. No. XXXX ), copyright ( No. XXXX ), and assumed name filings in both Nevada and Minnesota. This activity constitutes unauthorized use and violation of 15 U.S.C. 1125, 17 U.S.C. 501, and consumer rights under the FCRA. 

They have been placed on notice and have not produced validation of debt, proof of ownership, or any commercial license or agreement granting them the right to act under the name XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : FORMAL DISPUTE & DEMAND FOR REMOVAL OF INACCURATE COLLECTION ACCOUNT Account in Dispute : LVNV Funding LLC To Whom It May Concern, I am writing to dispute the LVNV Funding LLC collection account listed on my credit report. This account was reported to have an open balance of {$320.00} as of XX/XX/XXXX, and appears on my credit file under the name LVNV Funding LLC. 
I dispute the accuracy of the information reported, and I am requesting immediate investigation, as well as removal of this account from my credit report. 
Legal Basis for Dispute 1. 15 U.S.C. 1681i Reinvestigation of Disputed Information Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any disputed information reinvestigated. The account is inaccurately reported, and I demand that it be removed if the creditor can not validate its details. 
2. 15 U.S.C. 1681e ( b ) Accuracy of Information XXXX  is required to ensure that all information in my report is accurate and complete. This account can not be verified, and thus should be removed from my credit report. 
XXXX. 15 U.S.C. 1681s-2 Responsibilities of Furnishers LVNV Funding LLC has failed to provide the necessary validation for this collection account, including the original debt documentation. 
XXXX. 15 U.S.C. 1681c Information Exclusion According to the FCRA, inaccurate, outdated, or unverifiable information must be removed from the report. The lack of supporting details for this account justifies its removal. 
Request for Immediate Action Immediate deletion of the LVNV Funding LLC collection account from my credit report. 

Written confirmation from XXXX  that the account has been removed. 
Compensation for Damages As a result of this inaccurate reporting, I have experienced significant financial and emotional harm, including : A lower credit score, which has impacted my ability to secure financing and loans.

Time lost in attempting to resolve this issue and undue stress caused by the inaccurate reporting. 
I am requesting compensation for damages of {$5000.00} due to the inaccurate reporting and violation of my rights under the FCRA, including 15 U.S.C. 1681n and 15 U.S.C. 1681o.

Final Notice This letter serves as final notice for resolution of this matter. If this issue is not resolved within 15 days, I will escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will explore further legal action to seek compensation for the damages incurred. 
Please confirm the removal of this collection account from my credit report by sending written confirmation to the address above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: 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, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I purchased a product from XXXX XXXX to be shipped. The item was shipped via XXXX  and scheduled to be delivered on XX/XX/year>. The item was never delivered. I filed a dispute with XXXX  on XX/XX/year>. XXXX contacted the seller for next steps and has not received a response. I emailed the seller twice and have not received a response. On XX/XX/year> I disputed the charge with my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is willfully violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite my formal disputes, Experian continues to report inaccurate, outdated, and unverifiable information on my consumer report. They have failed to conduct a proper reinvestigation within the required 30-day window under 15 U.S.C. 1681i, and they continue reporting accounts with late payments and charge-offs that I never authorized, nor were validated. This negligence is causing harm to my credit profile and is in direct violation of my consumer protection rights. 
I am requesting the CFPB investigate this matter and require Experian to comply with all relevant sections of the FCRA, including the removal of any unverifiable, inaccurate, or outdated information from my consumer file.

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 2025-04-17 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: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The banks are calling me non stop I would like the CFPB to investigate this matter I dont know what to do to those random debts are popping up on my credit report this very frustrating and scary me and my family we dont know what to do with those random debts that I see so many times random collections showing up to my credit report so many new debts coming up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and unprotected. Furthermore, their disputes resolution process unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
These XXXX XXXX  accounts are reporting inaccurately. It states that the XXXX XXXX courts are the data furnishers and that is not true. Under 15 USC 1681E ( B ) these accounts are in violation not reporting 100 % accurately .CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
I transferred my money from chime which you can only transfer from chime in increments of XXXX at a time. Somehow i transferred as much as I could then made a transfer to my home bank chase as well and then transferred it to affirm as well because you can only transfer XXXX  monthly from chime. Somehow chime allowed too many transfers to go through its system but it will not allow your account to overdraft so it stopped affirm from pulling the last XXXX ach transfers of XXXX and XXXX. When that occurred on XX/XX/XXXX an automatic freeze was put on my account. From that day on I have called emailed messaged and done all I can do to try to get the reason why it was frozen told to me and try to get it unfrozen. They will not tell me why and will not take the freeze off. This is my backpay from ssdi and I was going to use it to purchase a home. I transferred it to affirm because they allowed larger amount to be taken out than chime which would allow me to do so. Now I cant even touch my money. I cant even buy the home I wanted. Im in tears because I was using that to live off of as well because ssdi doesnt pay enough to allow me to live comfortably. Nothing I say to them helps. They do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
These accounts are reporting to my credit report but they do not belong to me. 
XXXX XXXX - ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX- ACCT # : XXXX, Bal- {$1500.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, Bal- {$9400.00}, opened : XX/XX/XXXX XXXX XXXX & XXXX - ACCT # : XXXX, Bal- {$3100.00}, opened : XX/XX/XXXX XXXX XXXX ACCT # : XXXX, Bal- {$1400.00}, opened : XX/XX/XXXXXXXX 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 2025-04-17 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:
These accounts are reporting to my credit report but they do not belong to me. 
XXXX XXXX - ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, Bal- {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX- ACCT # : XXXX, Bal- {$1500.00}, opened : XX/XX/XXXX XXXX XXXX XXXX ACCT # : XXXX, Bal- {$9400.00}, opened : XX/XX/XXXX XXXX XXXX & XXXX - ACCT # : XXXX, Bal- {$3100.00}, opened : XX/XX/XXXX XXXX XXXX ACCT # : XXXX, Bal- {$1400.00}, opened : XX/XX/XXXXXXXX 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 2025-04-17 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: MI

Complaint narrative:
Removal of payment history and account due to overall credit history and report

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