vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
Subject : Identity Theft and Unauthorized Account in My Name To Whom It May Concern, I am writing to formally notify you of a serious matter involving identity theft connected to your property. It has come to my attention that someone fraudulently used my personal information and stole my card to secure an apartment at XXXX XXXX XXXX XXXX. I did not authorize this transaction, nor was I involved in any lease agreement with your complex. 

When I attempted to resolve this matter, I was met with a lack of cooperation. I was informed that no police report would be filed, and the manager I spoke to refused to provide their namean action that raises further concern about the handling of this situation. Despite clear evidence that this was a case of identity theft, the alleged debt was illegally sold to a collection agency under my name, causing further harm to my credit and personal record.

I request immediate confirmation that your office will investigate this matter and provide documentation of any and all transactions made under my name. I also request that you notify the collection agency of this identity theft claim and retract any outstanding debt linked to this fraudulent account.

If I do not receive a response within 10 business days, I will be forced to escalate this matter by filing a formal complaint with the Federal Trade Commission, and consider seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I received a mailed application for the XXXX XXXX XXXX XXXX that advertises 5 % cash back on XXXX XXXX purchases and 2 % on mobile wallet purchases. Nowhere on the mailed materialsor on the application page linked on XXXX XXXX websitedoes it clearly disclose that the rewards are not actual cash back. Instead, rewards are only redeemable in {$25.00} increments for XXXX XXXX gift cards, which limits their use. 

Even the fine print uses the term cash back without clarifying that this is not cash, a statement credit, or flexible rewards. I feel this is misleading and designed to get consumers to sign up under false impressions. Most people would assume cash back means flexible redemption options, especially since other cards from major banks offer true cash back. 

Companies should be required to state clearly and upfront when rewards are restricted to store credit or gift card redemptions. This kind of marketing should not be allowed to use the term cash back without disclosure.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed that there was inaccurate information on my credit report. I have filed a ftc report to report the fraudulent information being reported on 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed that there was inaccurate information on my credit report. I have filed a ftc report to report the fraudulent information being reported on 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX 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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
2 hard inquiry from key bank. I opened one account but the other I didnt. Not accurate names and addresses on my report as well.

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 2025-05-23 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: OH

Complaint narrative:
2 hard inquiry from key bank. I opened one account but the other I didnt. Not accurate names and addresses on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
In accordance with the credit fair reporting act. The list of accounts below has vviolated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 act.

I look at my report from XXXX on XXXX XXXX and I noticed some things are not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accuracy. And according to 15 USC 1681. They are suppose to do this treatment of inaccurate or unverifiable information in general after investing In accordance with the credit fair reporting act. The list of accounts below has vviolated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 act. 
I look at my report from XXXX  on XXXX XXXX and I noticed some things are not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accuracy. And according to 15 USC 1681. They are suppose to do this treatment of inaccurate or unverifiable information in general. 
Please delete the old credit cards information which has a bad impact on my credit report and multi violation on my report. 
Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was paid off also DELETE THE BELOW address : XXXX XXXX XXXX XXXX XXXX NJ 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 2025-05-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Since XXXX XXXX XXXX I have been in contact with Experian, Equifax, and TransUnion and the violation to my right to privacy under 15 USC 6801, Identity Theft and Fruad for buying and selling of my information for monetary gain to third party companies without my consent. I have demanded the verification and deletion of the accounts negatively reporting and they have continued to ignore my demands.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
It seems Early Warning has provided false information in this letter ( according to XXXXXXXX XXXX response about the Zelle account. I was informed that Zelle no longer handles matters dealing with restrictions on customers ' accounts. Therefore, I am questioning why XXXX bank clearly states ( in their letter ) that EWS has restricted the account. I would like this matter, and their practices investigated. I want to bring this to the public perhaps social media television investigative reporting for other viewers to know and see. Perhaps others are having their accounts restricted and not getting honest reason for the restriction. I am an adult and do not appreciate being lied to. I am unsure if there could be some sort of bias towards certain Zelle accounts. It sort of seems that way. I would like to have this natter investigated. I know the Congressional leaders have some power and can have their staff also investigate these matters if it is not resolved. I would like for President Trump 's office to be made aware of this type of situation as well, simply to bring attention to how they are operating ( behind the scenes ). treating customers. I saved a voicemail I received from someone in XXXX XXXX executive office. I want to save it as proof and reference. She said Early Warning has restricted the account and they are unable to lift the restriction. I am questioning why they are restricting accounts if the banks and credit unions are now handling and overseeing zelle for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 word 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 2025-05-23 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-23 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: MI

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Transunion Details of the Dispute : XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX Ct XXXX, MI XXXX. I request that my current address be updated accordingly. 
XXXX. Incorrect Contact Information : The employer listed on my credit report, XXXX XXXX, is incorrect. I request that my employment, XXXX XXXX XXXX the XXXX XXXX, being updated as my only job. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my my work ID Request for Confirmation : I request that Transunion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to this matter.

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 2025-05-23 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: TX

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> This complaint is a follow-up to a previously filed CFPB case regarding the XXXX XXXX XXXX XXXX XXXX XXXX Equifax. Equifax acknowledged the dispute and verified that the debt belongs to me, but that has never been the core issue. The complaint pertains to the legal and regulatory implications of Equifax continuing to report a charge-off without verifying its current collectibility, and without confirming whether a 1099-C form has been issued, as required by IRS Code 6050P if the debt has been canceled. 

Despite Equifax 's generic response, they failed to provide : - Documentation confirming the account is still legally collectible. 
- Evidence from the furnisher confirming that no 1099-C form has been issued.

- A copy of any formal reinvestigation documentation or validation procedures followed under the FCRA.

Applicable Violations : - FCRA 1681i ( a ) ( 1 ) ( A ) Inadequate reinvestigation of disputed items.

- FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable or legally deficient information.

- FCRA 623 ( a ) ( 2 ) Continued reporting of inaccurate or incomplete information.

- IRS Code 6050P Failure to issue a 1099-C if the debt was canceled or written off.

Relief Requested : I am requesting that Equifax immediately delete the XXXX XXXX XXXX account from my credit report, or provide verifiable documentation showing the debt is still legally enforceable and that no 1099-C form has been issued. If such documentation can not be provided, then under FCRA 1681i ( a ) ( 5 ) ( A ), the account must be deleted immediately.

Attachments to support my case include : - A copy of my formal follow-up dispute letter to Equifax - Screenshot of continued charge-off reporting - Proof that no 1099-C form has been received ( e.g., IRS transcript ) This is a legally valid dispute based on federal consumer law and IRS regulations. If no meaningful response is provided, I reserve the right to escalate this matter to legal counsel, the IRS, and additional regulatory bodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TN

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 2025-05-23 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation