vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
According to XXXX, at XXXX XXXX XXXX, the paid settlement account would be removed XX/XX/year>. XXXX XXXX recently emailed me a credit offer, but didnt remove the XXXX XXXX  account from my Experian, TransUnion , and Equifax credit reports as agreed.

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 2025-05-22 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX  Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance : {$520.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$590.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$970.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$220.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$100.00} Open Date XX/XX/XXXX Inquiries : XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed a fraudulent account reported by XXXX XXXX ( Account Number : XXXX ) and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. Despite this, TransUnion failed to block the disputed item within the four business days required by 605B and instead " verified '' the account without disclosing the sources or evidence of verification, violating 611s requirement for a reasonable reinvestigation and transparency. I previously filed CFPB Complaint # XXXX, during which Supervisor XXXX from XXXX XXXX responded dismissively, stating, We dont remove negative items. TransUnions continued non-compliance with statutory obligations and disregard for consumer rightscontrary to established precedent such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX bulletindemonstrates a systemic failure to uphold the protections guaranteed under the FCRA.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
The ATM took longer than usual counting the cash. The ATM states the deposit was for {$450.00} which you then click return as the amount was incorrect. ATM does not return the cash and gives you a deposited amount in your account for {$0.00}. ATM states to then be out of service. 

TD Bank keeps ignoring me, and just give me automated replies. The ATM does not take coins, how did I deposit {$0.00}? 

In the information the bank has it shows the atm failed. It shows it did not return cash and it didnt deposited it either. 

I called directly XXXX XXXX XXXX and he also ignored my call. 

The ATM failed, I did deposit and the bank is stealing from me saying based on no overage at the ATM during the time period of the deposit. 

TD Bank is lying and stealing and I would take you to court if necessary, this is the last chance for the bank to refund my money otherwise my lawyer is ready to take action since not videos are being shared, its obvious youre hiding something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All XXXX  credit bureaus list different current addresses for me. This violates FCRA 1681g ( full and accurate file disclosure ) and 1681e ( b ) ( accuracy and integrity ). Inaccurate address info affects credit decisions and identity 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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I owed XXXX the company money for product that we purchased. An email came in from XXXX asking to wire transfer the payment. XXXX does accecpt wire transfers so I did not think anything of it. The emailer XXXX provided me the following wire transfer info " Bank Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX Account Number : XXXX Routing Number : XXXX '' We processed the payment to the above info. In XXXX of XXXX  the real XXXX from XXXX asked when we were going to pay them. I forwarded all the info and emails with record of payment to the bank. They notified that this was fraud and a scam. and noticed that the email has XXXX XXXX 's in the name not XXXX ( XXXX ). They proceeded to engage their IT team and realized that there was an email fraud with the incorrect payment info. I then reached out to my bank ( Chase ) and they said they would look into it. I followed up with Chase and did not get a response. I followed up again in XXXX and another banker said they would get back to me. No one got back to me. I reached out again in XXXX and found out the banker is no longer with Chase. I am going in again to chase to see if they can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy Federal Credit Union is in violation of 15 USC 6802. Navy Federal Credit Union did not disclose the opportunity to Opt out of the sharing of my information to a third-party ( s ) thats non-affiliated.

I was not given the opportunity, before the time that such information was initially disclosed, to direct that such information is not disclosed to such third-party ( s ).

I was not given an explanation of how I can exercise that nondisclosure option. 
My information was sent to the following non-affiliated third parties which XXXX has violated 15 USC 6802 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union is also in violation of 15 USC 1692 for unfair debt collection practices for an alleged debt since my information was sent to XXXX XXXX In a few days, a Request for Accounting / List of Collateral Pursuant to UCC 9-210 will be sent to Navy Federal Credit Union via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I contacted Cain & Weiner regarding a debt they claimed I owed in the amount of {$1600.00} ( Ref # XXXX ). The letter I received from them was dated XX/XX/year>, and stated I had until XX/XX/year> to respond. However, during the phone call, I was told that if I did not pay the full balance by the end of that same day ( XX/XX/XXXX ), the debt would be reported to the credit bureaus even if I entered into a payment plan. 

I explained that I was willing to pay through an installment plan, but I was told by multiple representatives that even if I made consistent payments, the account would still be reported negatively to the credit bureaus. I felt pressured and misled into paying the entire amount in full immediately to protect my credit, which I did on XX/XX/year>. 

As of now, I have not received a written confirmation or email stating the account is paid in full, and I am unsure if the debt was reported before I made the payment. 

I believe the company misrepresented the consequences of a payment plan and used pressure tactics that may violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I am concerned that I was denied a fair opportunity to settle this debt without credit damage, even though I was acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX  Balance : {$0.00} Open Account # XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app locked my account for suspicious activity even though I called and confirmed with them that there was no fraudulent activity the still refuse to unlock my account so I can access my funds and this is going to cause late fees among a multitude of other issues. They would not even transfer me to someone involved with the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TN

Complaint narrative:
LVNV FUNDING LLC is in violation of 15 USC 6802. LVNV FUNDING LLC did not disclose the opportunity to Opt out of the sharing of my information to a third-party ( s ) thats non-affiliated.

I was not given the opportunity, before the time that such information was initially disclosed, to direct that such information is not disclosed to such third-party ( s ). 
I was not given an explanation of how I can exercise that nondisclosure option. 
My information was sent to the following non-affiliated third parties which LVNV FUNDING LLC has violated 15 USC 6802- XXXX, LVNV FUNDING LLC is also in violation of 15 USC 1692 for unfair debt collection practices for an alleged debt of {$22000.00}. I have no affiliation with LVNV FUNDING LLC and have not contracted with them, nor have I received correspondence from them. I DO NOT KNOW WHO THEY ARE! Im willing to bet that they are not the holder in due course of any negotiable instrument that I have signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission.

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: TX

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission.

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 2025-05-22 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: FL

Complaint narrative:
This account was charged off XXXX of XXXX  and since has been updated as charge off every month. This is an update in payment history. Charged off accounts should not have an active payment history. This inaccurate information falsely manipulates the statue of limitations. You have failed to investigate properly and your neglect has violated my rights. I demand the deletion of account. Account : XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-05-22 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: DE

Complaint narrative:
Im disputing a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, that is still being reported on my credit file. According to Delaware law ( 10 Del. C. 8106 ( a ) ), the statute of limitations for collection of a written debt is 3 years from the date of default or last activity. My records show no activity or payments since [ insert month/year ]. Therefore, this account is time-barred and should not be reported or collected. 

Additionally, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), credit information must be accurate and verifiable. If the furnisher can not provide documentation of the accounts last payment and legal enforceability, the reporting should be deleted. I request this account be removed or corrected 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 non-monetary relief
Consumer complaint received 2025-05-22 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: DE

Complaint narrative:
Im disputing a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, that is still being reported on my credit file. According to Delaware law ( 10 Del. C. 8106 ( a ) ), the statute of limitations for collection of a written debt is 3 years from the date of default or last activity. My records show no activity or payments since [ insert month/year ]. Therefore, this account is time-barred and should not be reported or collected. 

Additionally, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), credit information must be accurate and verifiable. If the furnisher can not provide documentation of the accounts last payment and legal enforceability, the reporting should be deleted. I request this account be removed or corrected immediately.

Company response to consumer: Closed with explanation