vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: KS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Delete - * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$610.00}, XX/XX/XXXX ) * * : TransUnion, XXXX, and XXXX reported an unverified account without payment history, claiming a false payment on XX/XX/XXXX, which Plaintiff denies owning. 

- XXXX - delete - not my account-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for their refusal to correct XXXX late payments reported on my credit report, despite the fact that they were caused by financial hardship for which they had full knowledge. 

In XX/XX/XXXX & XX/XX/XXXX, I experienced a financial hardship that temporarily impacted my ability to make timely payments. I communicated with the mortgage servicer during this period and made them aware of my situation. Despite this, they reported my account as late to the credit bureaus. 
Under the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of credit data are required to report accurate and complete information. When I formally disputed the reporting both with the credit bureaus and directly with the mortgage company, I requested validation and consideration of my documented hardship. However, the mortgage company refused to amend or remove the late payments, despite having prior notice of my financial distress and no evidence of malicious intent or long-term delinquency on my part. 

This is not only unfair, but a violation of my consumer rights under FCRA, especially considering the lender had an opportunity to work with me and chose not to fairly reflect the context.

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 2025-05-12 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:
XXXX XXXX XXXX, XXXX, XX/XX/1982 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute several items on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute any information in my credit report that I believe to be inaccurate, incomplete, outdated, or unverifiable.

this are inacurate informations : 1. Total accounts are incorrect.

2. Open accounts are incorrect.

3. Closed accounts are incorrect.

4. The delinquent accounts are incorrect.

5. Balances are totally incorrect.

6. Payments are totally incorrect.

7. Inquiries totally wrong.

8. Name added wrongly.

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I first attempted to dispute the debt because the dates they had appeared that the account was more recent than it actually is. I requested them to send a debt validation letter and i never received anything but letters from a law firm to sue and phone calls for the debt. They have not provided me with anything from these old accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX and reported through Equifax, Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. 
Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within XXXX  days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX and reported through Equifax, Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. 
Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within XXXX  days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from my credit 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
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-12 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a XXXX  account ( account # XXXX ) that was charged-off and sold to XXXX XXXX XXXX. Despite this, XXXX continues to report the account as active. This is a form of duplicate reporting for the same debt, which is not allowed under the FCRA. Once a debt is sold, the original creditor should not continue to report it as charged-off. I request deletion due to double jeopardy and misleading reporting.

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I went and loaded {$400.00} cash at XXXX then I went to go and send it to the person I needed to send the money to when I was about to send it said confirm that I'm sending the payment and I press confirm and it still was the same name that I was sending the money to once they press sent it sent to somebody else somebody that I've never seen their name in my life and I strongly believe that this is the second time this has happened to me so this is why I strongly believe that it's somebody who works at cash app that's doing this you can always cancel your payment if it hasn't been accepted by the recipient yet and I tried to cancel it 10 15 20 times it will not allow me to cancel it I called and I talked to customer service and they're saying oh it can't be canceled until it's accepted which is untrue that is not their policy and no customer service will help me this is why I know it has to do with somebody that works there because I did not type the name in that it was sent to I've never seen that name in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX had charges in my account due to identity theft from XXXX XXXX reps. I had XXXX credit cards from XXXX. They were all XXXX credit cards. I told them to block my credit cards and do not send replacement cards due to XXXX theft of mail. They sent cards out. I never received them and my account has been charged on XXXX credit cards. 

They are now billing me for ALL charges again! 

I have documentation. Charges removed and added back .. they did not investigate. They just waited and recharged!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which requires a response within XXXX  days. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX  days of receiving the notice of dispute.

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 2025-05-12 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: NV

Complaint narrative:
My personal information (., name variations, outdated addresses is inconsistently reported across Experian, Equifax, and TransUnion. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX and XXXX, which require credit bureaus to maintain maximum accuracy and promptly correct errors upon dispute. I demand all three bureaus harmonize my data to reflect my legally verified details. 

-- - XXXX. FCRA XXXX : - " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information ... '' - Inconsistent data ( e.g., misspelled names, outdated addresses ) violates this duty. 

XXXX. FCRA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) : - " If the completeness or accuracy of any item of information is disputed, the agency must conduct a reasonable reinvestigation ... '' - Bureaus must update/delete unverifiable data within XXXX days. 

-- - STEPS to Demand in Your Complaint XXXX. Request Harmonization : - All three bureaus must align your name, address, SSN, and other identifiers to match your government-issued ID ( e.g., drivers license, passport ). 

XXXX. Demand Deletion of Inaccuracies : - Remove any variations ( e.g., nicknames, typos ) or outdated data that can not be verified.

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 2025-05-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, and an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-05-12 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: TX

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I keep getting repeated calls to the point it's flooding up my voicemail. XXXX XXXX keeps calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filing this complaint against BSI Financial Services for their refusal to correct XXXX late payments reported on my credit report, despite the fact that they were caused by financial hardship for which they had full knowledge. 

In XX/XX/XXXX & XX/XX/XXXX, I experienced a financial hardship that temporarily impacted my ability to make timely payments. I communicated with the mortgage servicer during this period and made them aware of my situation. Despite this, they reported my account as late to the credit bureaus. 
Under the Fair Credit Reporting Act ( FCRA ), Section 623, furnishers of credit data are required to report accurate and complete information. When I formally disputed the reporting both with the credit bureaus and directly with the mortgage company, I requested validation and consideration of my documented hardship. However, the mortgage company refused to amend or remove the late payments, despite having prior notice of my financial distress and no evidence of malicious intent or long-term delinquency on my part. 

This is not only unfair, but a violation of my consumer rights under FCRA, especially considering the lender had an opportunity to work with me and chose not to fairly reflect the context.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing the XXXXXXXX XXXX XXXX  account ( account # XXXX ) reported as a paid charge-off with {$770.00} written off. The account was closed by the creditor in XX/XX/year>, yet the charge-off is reported in XX/XX/year>. There is no clear evidence of payment resolution or validation of the charge-off timing. Additionally, the account has not been updated or verified with recent activity in over a year. This violates the FCRAs requirement for accurate and timely reporting. I am requesting removal of this account or a full investigation with supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief