vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Hello, I don't even know where to start with this complaint, but will do my best to provide a detailed history. 

In spring of XXXX I was the victim of a XXXX cybercrime. The credit cards I had at that time ALL had XXXX balances. I was also on time with my credit card payments when I did have a balance. The XXXX cybercrime was financially devastating to me. I HAD to use the credit cards to help cover my daily expenses, until I was able to get a HELOC on my house to then cover the remaining outstanding balances on the personal loans I used for the XXXX investment. 

I paid monthly on these cards for over a year. The interest was high, and no financial relief was able to be made. I decided to enroll in a debt consolidation program to work with these credit card companies in good faith : reduce the debt burden and lower the interest rate. Two of my cards with XXXX XXXX have been negotiated successfully and they arr getting regular monthly payments. Barclays, my final creditor to work with in the consolidation program has been in no way receptive to arranging a reasonable settlement offer. They've filed a legal grievance against me, and are continually not working with the debt consolidation program for a reasonable settlement offer. 

My complaint is this, when a person goes through a financial crime against them, in what reality does the victim continually have to relieve the crime over and over again with higher taxes, fines, and fees charged against them? When I signed the contract with the credit card company, no where in the contract does it state if the consumer is a victim of a cybercrime scam will the creditor in no way work with them. 

Barclays needs to be looked into, and the fact they don't work with debt consolidation programs, they should have fines and fees charged against them. Seems only fair.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I raised the issue of possibly reporting in a lesser risk status to the credit agencies and was told that they would not do that unless forced to by a change. We are in an environment where risk can categorized and until a coborrower is impacted by a borrower non payment there should be a change to reflect this status within credit agencies. This is as simple as a new category on the data feed that would lessen risk and impact to credit scores. I would like to petition for this change but there is no path and so I am reaching out to cfpb to help millions with a relatively small change.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I raised the issue of possibly reporting in a lesser risk status to the credit agencies and was told that they would not do that unless forced to by a change. We are in an environment where risk can categorized and until a coborrower is impacted by a borrower non payment there should be a change to reflect this status within credit agencies. This is as simple as a new category on the data feed that would lessen risk and impact to credit scores. I would like to petition for this change but there is no path and so I am reaching out to cfpb to help millions with a relatively small change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Incorrect Late Payment Reporting Creditor Name : DPEDXXXX ( Multiple accounts ) Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Creditor Name : XXXX Account Number : XXXX Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported. 
The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines.

There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : DEPTEDXXXX- {$840.00} XX/XX/XXXX XXXX DEPTEDXXXX- {$3500.00} XX/XX/XXXX XXXX DEPTEDXXXX {$2900.00} XX/XX/XXXX XXXX DEPTEDXXXX {$1700.00} XX/XX/XXXX XXXX DEPTEDXXXX {$1600.00} XX/XX/XXXX XXXX DEPTEDXXXX {$3500.00} XX/XX/XXXX XXXX DEPTEDXXXX {$1300.00} XX/XX/XXXX XXXX DEPTEDXXXX {$750.00} XX/XX/XXXX XXXX DEPTEDXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
XXXX know what happened I have not only been violated and harmed I've lost housing my job my XXXX homeless and have no income and have had nothing since XXXX because of the wrong doing and fraud I have already filed a complaint with you guys and multiple other places that XXXX referred to and countless lawyers that well not help because I have no money told I have a valid claim but doesn't do me any good when they won't help chime and it's XXXX XXXXXXXX XXXX XXXX XXXX XXXX  stoled my unemployment benefits deposited {$50000.00} something XXXX dollars XXXX not to sure because each company refuses to help me only try and make it harder for me they have taken so much from me it even got me feeling ways I never have thought before helpless not even a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Management, Inc
State: SD

Complaint narrative:
On XX/XX/year> I called Accounts Management Inc in XXXX XXXX XXXX SD to discuss having my monthly payments adjusted due to my son having some medical issues right now. I spoke with an XXXX and she in formed me that if I changed the amount I am paying currently she would put me back in collection status even though I would still be making monthly payments. She demanded to know the name of my sons father. Wanted to know how long my sons treatments were going to last. I told I was hoping to secure a second job to help get things paid up quicker when possible. She hung up on me after I repeatedly refused to give her my sons fathers name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I'm extremely frustrated that my credit report still reflects inaccurate and incomplete information. Despite my repeated attempts to have this corrected, nothing has been done, and it's unfairly damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: TX

Complaint narrative:
The credit bureaus TransUnion and Experian are reporting this account on my profile as XXXX year term loan. And that I owe a balance. When this account has a XXXX  account balance owed.. The Office of the attorneys General office. How can this be accepted as a term loan for child support.

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 2025-04-10 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: AR

Complaint narrative:
XXXX was asked to investigate AND VERIFY the information is correct with valid contracts, paperwork, or where they got the information to claim it was accurate. 
They received a written letter around XXXX and on XX/XX/XXXX they said they verified some of the information, started updating my report with unverified information. There is no way they investigated the items and they should be removed immediately from my report ( even while they were investigating THE ITEMS SHOULD BE REMOVED ). They have not done anything the verify the claim, nor allowed for any proof that it is mine.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-10 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : ExperianXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransunionXXXX XXXXXXXX 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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-04-10 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/year> Ref # XXXX United States Bankruptcy Court Eastern District of Michigan XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Verification of Information Disclosure to any Credit Bureaus Dear Clerk of the Court, I am writing to formally request information regarding whether the United States Bankruptcy Court for the Eastern District of Michigan has sold or otherwise provided access to bankruptcy records or related personal information to XXXX or any of its affiliates. 
As a concerned individual, I would like to understand the extent to which my personal information, or that of other bankruptcy filers, may have been shared, sold, or distributed to third-party data aggregators. If such a transaction or arrangement exists, I kindly request details regarding : 1. The nature of the information provided.

2. The date ( s ) such information was shared or sold.

3. Any applicable policies or agreements governing such transactions. 
Please let me know if there is a specific procedure to obtain this information, or if there are any fees associated with this request. I appreciate your time and assistance in this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX SS # : XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX Account Number : 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 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I sent {$300.00} to my boyfriend 's account so he could get on a bus yesterday to take me to the hospital. It is XXXX XXXX XXXX I have contacted Wise about it 5 times. They will not get a supervisor, but they say someone will call me within 24 hours. I paid for the funds to be available for pick up in 30 minutes. He went with his ID and was told the funds were not there. There is no excuse good enough for this. Meanwhile, XXXX XXXX XXXX

Company response to consumer: Closed with explanation