vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX XXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} XXXX XXXX - Opened XX/XX/XXXX With a balance of {$3000.00} XXXXXXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$4800.00} XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1000.00} XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$3800.00} XXXX XXXX XXXXXXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} XXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX - XXXX XX/XX/XXXX With a balance of {$1300.00} There are also fraudulent inquiries related to identity theft : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and 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 non-monetary relief
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I

have been identified as a victim of a credit bureau 's data breach and my data and I have notified by the bureau that my credit data has been manipulated and used for illegal purposes. I have file data disputes and I have even tried to freeze my data in order to have erroneous data removed without success from the credit bureaus with out success. The companies that should be notified of the steps to help me protect my current credit profile are : - Experian - Equifax - Transunion And all other credit bureaus and repositories.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I

have been identified as a victim of a credit bureau 's data breach and my data and I have notified by the bureau that my credit data has been manipulated and used for illegal purposes. I have file data disputes and I have even tried to freeze my data in order to have erroneous data removed without success from the credit bureaus with out success. The companies that should be notified of the steps to help me protect my current credit profile are : - Experian - Equifax - Transunion And all other credit bureaus and repositories.

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 2025-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I was scammed by XXXX XXXX XXXX I paid XXXX with my cash app account. I immediately realized it was a scam, when all the contacts were non existent. I contacted cash app support to stop the payment, but they said it was still pending and I would have to wait till it's completed, which was about twelve hours later. By than cash app said I couldn't cancel but I could dispute. Well I first got denied, cash app saying upon investigation, the other end fulfilled there obligations. So I called cash app and disputed it again, denied and two more times after I including with the XXXX where I reported this. When I ask cash app to give me info on there findings and who they contacted to reach there decision, the head manager keeps emailing me the same exact email. No sympathy, no apologies, he refuses to give me any proof that they have contacted the party who scammed me. Im grateful it wasn't my life savings like most people who get scammed. But this is too much stress having to file all these reports and cash app support, well the head of it, he needs to be fired. People should at least know where they found there evidence for there decision on scams.

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

Complaint narrative:
Civil liability for willful noncompliance 15 U.S.C. 1681n In general ACCOUNT XXXX XXXX. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Civil liability for knowing noncompliance.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Between approximately XX/XX/XXXX and XX/XX/XXXX, I became a victim of identity theft, resulting in multiple fraudulent accounts appearing across all three major credit bureaus. Unauthorized collection accounts were falsely established in my name with companies including XXXX XXXX ( related to utility services ), XXXX XXXX XXXX ( for telecommunications services ), XXXXXXXX XXXX XXXX for credit card debt ), and XXXX XXXX XXXX ( for cable/internet services ). Additionally, fraudulent charged-off accounts were created with financial institutions such as 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  My credit reports also show delinquent accounts with XXXX XXXX ( from fall XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX ) that I never authorized, along with an incorrect paid collection from XXXX dating to late XXXX. These false entries, which began appearing on my reports starting in early XXXX and continued through XXXX, have severely damaged my creditworthiness, causing my scores to drop by nearly XXXX points and preventing me from obtaining housing, employment, and financial services. The stress of correcting these inaccuracies has created substantial emotional and financial hardship over the past two years.

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 2025-05-04 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: CT

Complaint narrative:
Third attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX # XXXX 4XXXX XXXX XXXX XXXX # XXXX 5. XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX 6. XXXX XXXX XXXX Account # XXXX 7. Equifax, Transunion & Equifax Inaccurate address data that I am not associated with.

Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting.

* 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting agency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate.

The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. I understand that you will investigate my account and ensure that it is accurate. Here is the account that I am asking you to verify if it is accurate. 

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports reflects accounts that do not belong to me. Each time I dispute an account the account not only comes back as verified, but the company adds additional accounts, balances, and refreshes the dates on the account as if the accounts are new accounts. The companies and accounts are as follows : XXXX XXXX XXXX with a balance of {$1400.00} updated to reflect XX/XX/year> XXXX XXXX XXXX with a balance of {$630.00} updated to reflect XX/XX/year> XXXX XXXX XXXX with a balance of {$460.00} updated to reflect XX/XX/year> XXXX XXXX XXXX with a balance of {$2800.00} updated to reflect XX/XX/year> XXXX XXXX XXXX XXXX with a balance of {$1700.00} updated to reflect XX/XX/year> These accounts do not belong to 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 explanation
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My identity was still compromised although I locked it years ago. I had no clue because my address never updated, Im afraid for my own sake. Someone having your personal information and being able to apply for this and that and youre left with the problem of fixing it can be quite frustrating. I never expected this to happen to me. Many guidelines and rules werent followed here which is unfortunate because this company is responsible for protecting citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My identity was still compromised although I locked it years ago. I had no clue because my address never updated, Im afraid for my own sake. Someone having your personal information and being able to apply for this and that and youre left with the problem of fixing it can be quite frustrating. I never expected this to happen to me. Many guidelines and rules werent followed here which is unfortunate because this company is responsible for protecting citizens.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian failed to investigate dispute and ignored proper documentation. On or around XXXX weeks ago, I submitted a written Method of Verification letter to Experian requesting validation of the following accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( that had XXXX different reference numbers ). I included all of the necessary documents including my full name, Social Security Number, date of birth, address, copy of my government issued ID, and proof of address. I sent the letter and they responded via email stating that they could not verify my identity and therefore would not process my dispute. However, all identity verification documents were submitted and properly formatted. I believe this is a willful violation of the Fair Credit Reporting Act ( FCRA ), Was they are required to investigate and respond to disputes within 30 days. I followed up with a second letter to demand compliance and have yet to receive an appropriate response. These accounts remain on my report without proper verification.

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 2025-05-05 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NV

Complaint narrative:
I have submitted several disputes throughout the course of a year to get the inaccurate and misleading information off of my consumer report. The credit bureaus have been taking LONGER than the timeframe they are aloud to in order to complete the investigations that they need to which is against FCRA Laws. The bureaus continuously undermine me by saying I'm a credit repair company or something about my identity although I provide proof of my State ID and U.S. Passport. I've taken additional steps by sending in an FTC Report, FTC Affidavit ( Notarized ), the General State of Attorney complaint, XXXX  complaint, along with proof of my ID 's and address. I've asked the credit bureaus to send proof of investigations by sending me Account Ledgers, the original contracts from the companies, audit trails, and licensing in the state because of the inaccuracies and misleading information on my credit report. The Bureaus HAVE NEVER SENT ME ANY INFORMATION REGARDING PROOF OF INVESTIGATIONS IN A TIMELY MANNER, TAKING LONGER THAN 60 DAYS TO RESPOND TO ME. Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) EXPERIAN Credit reporting agency, block information appearing on my credit report that's the result of inaccurate, false, and misleading information which consists of account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  Account XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX opened XX/XX/XXXX. This also includes 2 separate DEPT OF EDUCATION/XXXX Accounts XXXXXXXX XXXX Account # XXXX, and ALL inquiries listed on my credit report. I demand that the aforemntioned inaccurate items be removed from each of my consumer reports and that all collection activity related to the items cease pursuant to FCRA and FDCPA laws. The credit bureaus have been taking advantage of me and I be pursuing legal action. This has affected me in many ways including being able to find housing, being able to find a good job due to my credit checks from employers, high interest rates, and denied extensions of credit from creditors that I know I am worthy of. I look forward to taking legal action against the credit bureaus.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am retired made settlement offers and being reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filling to formally dispute and request investigation of the following accounts that appear on my credit report. I am concerned that some or all of these accounts may be inaccurate, outdated, or not associated with me. I request that each item listed below be thoroughly investigated and, if found inaccurate, removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00XXXX XXXX XXXX  XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX Balance {$6300.00} XXXX XXXX  XXXX Balance {$2400.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXX Balance {$120.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$85.00} XXXX XXXX XXXX * * Balance Owed : {$150.00} XXXX XXXX XXXX Balance {$84.00} XXXX XXXX XXXXXXXX XXXX {$61.00} XXXX XXXXXXXX XXXX XXXX {$73.00} XXXX XXXXXXXX XXXX XXXX {$84.00XXXX XXXX XXXXXXXX XXXX XXXX {$69.00} XXXX XXXXXXXX Balance {$79.00} XXXX XXXXXXXX XXXX Balance {$83.00} XXXX XXXXXXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} XXXX XXXX XXXX * Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i and 1681s-2. I have reviewed my credit file and found that the following account ( s ) contain incorrect and misleading information which does not accurately reflect my credit history : BANK XXXX XXXX Reported by TransUnion and Experian Account # : XXXX Inaccuracy : 1. TransUnion reports the account as 60 days past due with a past due balance of {$120.00} and a balance of {$320.00}, despite the account being closed and paid down significantly. 2. Experian reports the account as a charge-off with a balance of {$120.00}, which conflicts with the TransUnion balance XXXX 3. Payment history also differs between the XXXX bureaus for multiple months ( e.g., XX/XX/year> marked as XXXX by Experian but XXXX by TransUnion ). 4. Violation : Conflicting and unverifiable information constitutes a violation of the FCRAs requirement for maximum accuracy. | XXXX XXXX Reported by TransUnion and Experian Account # : XXXX Inaccuracy : 1. Account is marked as Charged off as bad debt with different past due and payment status reports. 

2. Experian reports multiple 90120 day late payments while TransUnion shows OK for those same months. 
3. Comments show dispute resolved without proper update across both agencies. 

4. Violation : The inconsistent late payment history and unresolved charge-off entries reflect a failure to update or correct data after dispute resolution, violating 15 U.S.C. 1681s-2 ( a ) ( 2 ) and 1681i.

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