vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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 request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). 

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you the Equifax, Trans Union , and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. ALL ACCOUNTS ARE FRAUDULENT XXXX {$370.00}, XXXX XXXX  {$22000.00} XXXX {$30000.00}, XXXX {$35000.00} XXXX {$2500.00}, XXXX {$20000.00}, XXXX XXXX {$31000.00}, XXXX XXXXXXXX {$18000.00} XXXX {$3600.00}, XXXX {$4400.00}, XXXX {$10000.00}, {$6200.00}, U.S. DEPT. {$9500.00}, XXXX XXXX XXXX XXXX. {$2300.00}, CHILD SUPPORT $ {$28000.00}, CHILD SUPPORT {$25000.00}, CHILD SUPPORT {$7800.00}, fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) 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, XXXX, 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.

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 2025-05-26 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 request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). 

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you the Equifax, Trans Union , and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. ALL ACCOUNTS ARE FRAUDULENT XXXX {$370.00}, XXXX XXXX  {$22000.00} XXXX {$30000.00}, XXXX {$35000.00} XXXX {$2500.00}, XXXX {$20000.00}, XXXX XXXX {$31000.00}, XXXX XXXXXXXX {$18000.00} XXXX {$3600.00}, XXXX {$4400.00}, XXXX {$10000.00}, {$6200.00}, U.S. DEPT. {$9500.00}, XXXX XXXX XXXX XXXX. {$2300.00}, CHILD SUPPORT $ {$28000.00}, CHILD SUPPORT {$25000.00}, CHILD SUPPORT {$7800.00}, fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) 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, XXXX, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
Experian continues to report an incorrect name ( " XXXX XXXX XXXX '' ) on my file. My legal name is XXXX XXXX. Ive disputed this multiple times, and they refuse to remove it. 

This error is linking me to accounts that are not mine, including a charge-off from XXXX XXXXXXXX XXXX XXXX Ive used my free report for the year, but Experian requires I pay {$24.00} to even submit further disputes. 

I believe this violates my rights under FCRA 602 and 611. Please see my attached letter for details and assist in resolving this.

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 2025-05-26 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: CA

Complaint narrative:
Experian continues to report an incorrect name ( " XXXX XXXX XXXX '' ) on my file. My legal name is XXXX XXXX. Ive disputed this multiple times, and they refuse to remove it. 

This error is linking me to accounts that are not mine, including a charge-off from XXXX XXXXXXXX XXXX XXXX Ive used my free report for the year, but Experian requires I pay {$24.00} to even submit further disputes. 

I believe this violates my rights under FCRA 602 and 611. Please see my attached letter for details and assist in resolving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: WA

Complaint narrative:
Please see attached notice Experian and Transunion conducted a Sham investigation and failed to conduct a XXXX accurate investigations they have failed to provide to provide required requested and put a block on the account saying they have investigated, but relied on E-oscar

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 2025-05-26 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: PA

Complaint narrative:
FTC Report Number XXXX There was a data breach for Experian Equifax and Trans Union and my personal data was released without my consent and now my credit has dropped to a XXXX from an XXXX. Im asking you to immediately remove any issues with my credit due to the state breach and code 15usc1681. I am not in a position to pay a credit repair company thousands of dollars to fix my credit and I need this done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The following debts ( XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Last yr I opened my XXXX account to see my v=credit had been access by Rocket mortgage contact them stated they would look into it. Then on my XXXX, asked them to stop solicit me. When on there page too opt out and still today in my email twice today stressing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: WI

Complaint narrative:
I lost a certain amount of money appointment of XXXX on cash app please help me cpfb settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: PNC Bank N.A.
State: AL

Complaint narrative:
I have a mortgage with PNC bank. Had equity line on that. Paid it off based on online balance. Apparently XXXX XXXX were added. Called - could not pay online, system wouldnt accept XXXX XXXX  or {$1.00}. Charged late fee, they removed after I called. Keep removing {$25.00} late fee on XXXX XXXX. Gave no way to resolve. Never indicated this would be reported. Realized there was a problem via my XXXX they notified me of change in credit score. My credit report and my husbands lowered XXXX XXXX points. Went in to branch, paid {$1.00} by check - not even sure where they got this number. Provided me with paperwork to dispute lowering credit score. Have submitted. They wont give me phone number to speak with anyone. XXXX XXXX. Says it can take months to correct. My credit score was XXXX. Now XXXX range when I checked. I feel they should expedite AND apologize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I first received communication from Gurstel Law Firm P.C. when I started working with XXXX XXXX XXXX about 12 years ago. 

XXXX XXXX XXXX ( XXXX ) helped me clear all of my debt except one, this one. When I found out about this debt, it had already gotten out of hand and XXXX washed their hands of it and told me this was no longer their problem. 

I tried calling Gurstel and I could not get a hold of anyone. I tried going to court but was never able to find someone I can speak to about this. Every one kept sending me to different court buildings. Finally, 7 years ago they had a judge sign a court order where they took all the money I had in my bank account. I was devastated and was left without any money for that period of time. 

I thought that was the end of it, until XX/XX/year>. They sent me another letter saying that I owe them more than {$3000.00}. I have not owed anyone anything since XXXX and this law firm traumatized me years ago. Now, they want to come and steal money from me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX, as soon as possible from my report or I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
As per 15usc 1611 Experian is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

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 2025-05-26 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: KY

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks has been harmful to my life and credit health. This negative mark is preventing me from moving forward financially, and I am requesting your assistance in resolving this issue promptly and fairly. Thank you for your time and attention to this matter. I look forward to your response.

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 2025-05-26 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: MN

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for continuing to report a collection account from Impact Receivables ( Acct # XXXX ), related to XXXX XXXX Apartments, even though the debt has never been validated and the reporting is inaccurate. 

The account was reportedly assigned on XX/XX/XXXX, but my wife and I vacated the property in XX/XX/XXXX. We never received a final billing statement, breakdown of charges, or any notice that a balance was owed. The first notice we received was when the account appeared on our credit reports. 

Several written requests for validation were submitted to XXXX XXXX  on our behalf, including a certified letter mailed XX/XX/XXXX ( XXXX XXXX # XXXX ), which is still marked as delayed in transit. Previous written requests were also ignored. Despite this, Equifax and TransUnion marked the account as verified, yet I have not been provided with any proof or supporting documentation. 

The account also shows an estimated removal date of XX/XX/XXXX, implying a Date of First Delinquency ( XXXX  ) of XX/XX/XXXX. This is inaccurate, as we vacated the property in XX/XX/XXXX and were never billed or informed of any delinquency. This raises serious concern of re-aging, which is a violation of the Fair Credit Reporting Act ( XXXX ). 

I am requesting : Immediate removal of this account from my Equifax and TransUnion credit reports I am attaching supporting documentation and tracking records that show my good-faith efforts to resolve this issue prior to submitting this complaint.

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 2025-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood closed my account with over $ XXXXXXXX in funds. They haven't returned my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Global Lending Services LLC
State: FL

Complaint narrative:
on XX/XX/year> i went to XXXX XXXX in XXXX florida to purchase a car. i already advised that i was preapproved for a loan already but the salesman still ran my credit 4 times without my knowledge. He never said he was going to run it for any other loan companies other than the one i was already preapproved for & requested since we got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
on XX/XX/year> i went to XXXX XXXX in XXXX florida to purchase a car. i already advised that i was preapproved for a loan already but the salesman still ran my credit 4 times without my knowledge. He never said he was going to run it for any other loan companies other than the one i was already preapproved for & requested since we got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per 15usc 1611 TransUnion is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX XXXXc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : 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 2025-05-26 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: NV

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.0XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
I had a auto loan with XXXX XXXX and have requested multiple times the repossion documents and the final sale value of the car at auction as my credit report still has a balance of XXXX dollars and it is in accurate I have sent multiple emails, phones calls and the do not comply or cooperate and I have the legal right that information and it is by law they have to report accurate information and provide me the documents requested

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 2025-05-26 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: PA

Complaint narrative:
FTC Report Number XXXX There was a data breach for Experian Equifax and Trans Union and my personal data was released without my consent and now my credit has dropped to a XXXX from an XXXX. Im asking you to immediately remove any issues with my credit due to the state breach and code 15usc1681. I am not in a position to pay a credit repair company thousands of dollars to fix my credit and I need this done immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation