vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted formal disputes to all three credit bureaus ( Experian, TransUnion, and Equifax ) requesting investigation and deletion of several inaccurately reported accounts. These accounts are not mine, or they contain unverifiable and inconsistent information. Despite submitting my identification, a detailed dispute, and requesting a reinvestigation under FCRA 1681i, I have either received no adequate response or the information remains unchanged.

The following are accounts currently being reported across the bureaus with violations of FCRA and Metro 2 standards : Accounts in Dispute : 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : XXXX XXXX XXXXXXXX No permissible purpose 1681i Failure to properly reinvestigate Metro 2 Violation : Field 17 Disputed status not properly reported 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : 607 ( b ) Failure to ensure maximum accuracy 611 ( a ) Unverifiable information must be removed Metro 2 Violation : Field 112 Original creditor improperly listed or omitted 3. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : 609 ( a ) Failure to provide evidence of ownership 611 Reporting unverifiable data Metro 2 Violations : Fields 2 & 3 Portfolio classification errors 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : 1681s-2 ( b ) Failure to investigate disputed data 611 ( a ) ( 7 ) No method of verification provided Metro 2 Violation : Conflicting status between bureaus 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am only listed as an Authorized User, yet derogatory information is being reported under my name.

FCRA Violations : 1681b No permissible purpose for attributing debt to an authorized user 1681e ( b ) Failure to maintain accurate data

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted formal disputes to all three credit bureaus ( Experian, TransUnion, and Equifax ) requesting investigation and deletion of several inaccurately reported accounts. These accounts are not mine, or they contain unverifiable and inconsistent information. Despite submitting my identification, a detailed dispute, and requesting a reinvestigation under FCRA 1681i, I have either received no adequate response or the information remains unchanged.

The following are accounts currently being reported across the bureaus with violations of FCRA and Metro 2 standards : Accounts in Dispute : 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : XXXX XXXX XXXXXXXX No permissible purpose 1681i Failure to properly reinvestigate Metro 2 Violation : Field 17 Disputed status not properly reported 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : 607 ( b ) Failure to ensure maximum accuracy 611 ( a ) Unverifiable information must be removed Metro 2 Violation : Field 112 Original creditor improperly listed or omitted 3. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : 609 ( a ) Failure to provide evidence of ownership 611 Reporting unverifiable data Metro 2 Violations : Fields 2 & 3 Portfolio classification errors 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : 1681s-2 ( b ) Failure to investigate disputed data 611 ( a ) ( 7 ) No method of verification provided Metro 2 Violation : Conflicting status between bureaus 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am only listed as an Authorized User, yet derogatory information is being reported under my name.

FCRA Violations : 1681b No permissible purpose for attributing debt to an authorized user 1681e ( b ) Failure to maintain accurate data

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a charge-off account reported by XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX on my credit report. I never gave written authorization or consent for this account to be furnished or reported, as required under 15 USC-1681b of the Fair Credit Reporting Act. I have submitted a written dispute to Equifax and requested written proof of consent. They failed to provide it and are continuing to report the account. I am requesting full deletion of the charge-off and for the CFPB to XXXX my right under federal law. I hereby demand immediate deletion of this account within XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I WAS APART OF IDENTITY THEFT AND SEVERAL DATA BREACHES AND DUE TO THIS MY CONSUMER REPORT HAVE BEEN TAKEN ADVANTAGE OF AND THE RESULT OF IT HAVE CAUSED FRAUDULENT AND UNKNOWN ACCOUNTS TO BE REPORTING TO MY CONSUMER REPORT. BY LAW MY REPORT SHOULD BE PROTECTED AND ACCURATE. THE CREDIT BUREAUS ARE NEGLECTING THIS LAW. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS SO I CAN BUY MY FAMILY A HOME. PLEASE HONOR THE FAIR CREDIT REPORTING ACT LAW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: WI

Complaint narrative:
I WAS APART OF IDENTITY THEFT AND SEVERAL DATA BREACHES AND DUE TO THIS MY CONSUMER REPORT HAVE BEEN TAKEN ADVANTAGE OF AND THE RESULT OF IT HAVE CAUSED FRAUDULENT AND UNKNOWN ACCOUNTS TO BE REPORTING TO MY CONSUMER REPORT. BY LAW MY REPORT SHOULD BE PROTECTED AND ACCURATE. THE CREDIT BUREAUS ARE NEGLECTING THIS LAW. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS SO I CAN BUY MY FAMILY A HOME. PLEASE HONOR THE FAIR CREDIT REPORTING ACT LAW

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a charge-off account reported by XXXXXXXX XXXX Account XXXX XXXX on my credit report. I never gave written authorization or consent for this account to be furnished or reported, as required under 15 USC-1681b of the Fair Credit Reporting Act. I have submitted a written dispute to TRANSUNION and requested written proof of consent. They failed to provide it and are continuing to report the account. I am requesting full deletion of the charge-off and for the CFPB to enforce my rights under federal law. I hereby demand immediate deletion of this account within 7days.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
1.Collection Account : Credence Resource Management.

I requested validation of account, proof of my permission to report my account and valid dates.

2. Failure to stop Illegal reporting of late payments and charge off on my accounts 3. Ask that they correct these issue within 24hr because they were violating 4. stop providing inaccurate information in regards to all the above as is outlined in 15usc 1666b,15usc1692g,15usc1681c-2 ans 18usc894

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX For Account XXXX I noticed several unauthorized transactions on my account, which I immediately reported to the credit card company. Despite my prompt notification, these transactions were not removed, and my account # XXXX was charged for them. Additionally, I have experienced multiple billing errors and unresponsive customer service, which have caused significant inconvenience and stress. I request that these unauthorized transactions be removed from my account and that my credit report be updated to reflect the correct information. I appreciate your prompt attention to this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX Balance : {$330.00}, XXXX XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX : {$1200.00} & XXXX XXXX XXXX Balance XXXX {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal and forceful objection to TransUnions handling of my CFPB complaint # XXXX involving the fraudulent {$810.00} XXXX account and related XXXX XXXX collection. 

Let me be absolutely clear : I have a direct, signed letter from XXXX confirming that there is no account under my name or Social Security number in their system. The document I submitted as part of my original complaint should have made that unmistakably evident. 

And yet, in your final response, you had the audacity to state that the XXXX account was verified as reported. 

How the XXXX can you claim something is verified when the original creditor has already told meand youthat the account doesnt even exist? 

This is not just incompetence ; it is a reckless and willful violation of the Fair Credit Reporting Act ( FCRA ). Your so-called investigation is not only legally insufficient but blatantly dishonest. It appears you rubber-stamped a false verification without any real due diligence, despite me providing irrefutable written evidence from the creditor that the debt is fake. 

To make matters worse, TransUnion continues to report both the original ( alleged ) XXXX tradeline and a collection by XXXX XXXX for the same debt a classic case of duplicate derogatory reporting for a debt that doesnt even exist in the first place. The psychological, financial, and reputational damage this has caused me is inexcusable. 

Here is what I demand immediately : Full deletion of the fraudulent {$810.00} XXXX tradeline from my TransUnion credit report. 

Full deletion of the associated XXXX XXXX collection account, as it stems from the same fabricated debt. 

A written explanation of how your investigation concluded this account was verified despite clear and direct evidence to the contrary. 

TransUnion has violated its obligations under federal law by : Failing to conduct a reasonable investigation under 15 U.S. Code 1681i ; Continuing to report information after receiving documentation proving it is inaccurate ; Reporting duplicate negative accounts for the same alleged debt.

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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-05-25 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: MI

Complaint narrative:
I reviewed my TransUnion credit report and found multiple unauthorized hard inquiries that were made without my permission or knowledge. I did not apply for credit or authorize these companies to pull my report. These inquiries are causing damage to my credit profile and were made without a permissible purpose, violating FCRA Section 604 ( a ) ( 3 ).

I submitted a formal dispute directly to TransUnion, citing the Fair Credit Reporting Act and Metro 2 Compliance Standards, which require that all inquiries be accurate, verifiable, and legally authorized. TransUnion has failed to remove the inquiries or provide proof of authorization.

These are the unauthorized inquiries I am disputing : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXXXXXX XX/XX/XXXX 6. XXXXXXXX XXXX  XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX These inquiries were not authorized and were not tied to any application or transaction I initiated. I am requesting the CFPB investigate this matter and require TransUnion to remove these inquiries from my report 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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 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 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

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 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 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

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 2025-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app allowed a transaction to go thru even though my card was locked. This has happened several times and I contact them and they try to blame the merchant and want me to go thru the process with the merchant to get my money back. Normally they block or decline transaction when my card is locked but several times they have allowed it to go through and every time it does go thru they tell me to go thru merchant. The merchant is not to blame for it going thru when card is locked, that is something the bank or cash app offers as a safety option to prevent any transactions from going thru so when it fails they should refund that money which they refuse to do. It should be immediately refunded. I can't count the money I have lost due to this issue. I know this time it was not very much money but all the times combined this has happened it is. It's the principal of it, if there options they have for us to use on the account fail they should cover any and all losses immediately in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : National Recovery Agency National Recovery Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation | Account No : XXXX Dear National Recovery Agency , I am writing in response to a collection notice I received regarding the above-referenced account. I am requesting that you validate this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. 2. 3. 4. The name of the original creditor. 
The amount of the alleged debt, including a breakdown of any fees or interest. 
Documentation showing that I am legally obligated to pay this debt.

Verification that you are authorized to collect on this debt in my state.

Until this information is provided, please cease all collection activities and refrain from reporting this debt to any credit reporting agencies, or if already reported, mark it as disputed. 
Thank you for your prompt attention. 
Sincerely, 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 2025-05-25 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief