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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
NOT MINES Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX NEVER LIVED HERE NOT MINES XXXX XXXXXXXX XXXX XXXX  XXXX CA XXXX NEVER LIVED HERE The following personal information is incorrect Employers : XXXX XXXX DON'T WORK HERE The inquiry was not authorized XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

The inquiry was not authorized XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

Validate Account XXXX XXXX  O Please ensure that all information is accurate

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit file with Experian, XXXX and XXXX. I noticed a collection account reporting. That was not mine, from a company named XXXX for the following account : XXXX Balance : {$1200.00}. 

I immediately sent a letter to the XXXX The company has responded that the account is closed and will no longer report to the credit reporting agencies. 

If the company closed the account and notified the credit reporting agencies why is still reporting on my credit report? 

If they conducted a complete investigation in accordance with the FCRA why is it still reporting? 

They are willingly violating my consumer rights

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there is an incorrect address and this address is not mine. Kindly delete the address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, Florida XXXX from my credit report and update my address to XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX MO, 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report there is an incorrect address and this address is not mine. Kindly delete the address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, Florida XXXX from my credit report and update my address to XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX MO, 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: 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: LA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Experian consistently responds in a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Experian, actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure com Experian complies with federal law and provides consumers with the necessary proof of investigation Experian shows a charge off " WRITTEN OFF '' account was closed in XX/XX/XXXX I never received a XXXX from this Creditor they kept charging off as of XXXX XXXX, to XX/XX/XXXX Experian verified acct which still shows from XXXX Charge offs to XX/XX/XXXX as accurate!!! According to FCRA I have the right to an accurate credit report The Creditor and Experian need to be reported to the IRS clearly this is double dripping.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Truist bank account on XX/XX/XXXX and made a mobile deposit on XX/XX/XXXX for XXXX The app declined my deposit, forcing me to deposit the same cashiers check twice. As a result, XXXX of the deposits bounced while the other went through. I contacted Truist multiple times to explain that this was a mistake caused by the app, and that the cashiers check was valid. I even confirmed with XXXX XXXX issuing bankthat the check had been cashed, meaning I cant retrieve the funds. A Truist representative told me to call back on XX/XX/XXXX for an update, but instead, I found that my account had been locked with no timetable for resolution. My rent and other bills are now due, and despite repeatedly explaining that this was not check fraud but an honest mistake, Truist has shown no concern or urgency in resolving the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My information was breached due to XXXX and I would like this information looked into as it is reporting that its a charge off however, its reporting that I am current and making payments which Im not doing any of that for state employees Credit Union.

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: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX  days, it must be deleted immediately from my credit file.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there is an incorrect address and this address is not mine. Kindly delete the address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO, XXXX from my credit report and update my address to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX MO, 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report there is an incorrect address and this address is not mine. Kindly delete the address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO, XXXX from my credit report and update my address to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX MO, 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX and XXXX, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX XXXX and XX/XX/XXXX, I disputed several fraudulent accounts 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. However, TransUnion failed to block the disputed items within the XXXX business days required by XXXX and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXX 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores TransUnion 's failure to uphold consumer protections 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 2025-04-10 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I visited a Wells Fargo deposit a check of XXXX with a teller. A portion of my refund was released of {$220.00} on XX/XX/XXXX. Next day on XX/XX/XXXX I looked at my account and notice my account was in the negative. I called Wells Fargo to see what was going on then they informed me I would get a letter in the mail stating what was the problem. The letter stated refer to make. Then I reached out to the company XXXX XXXX to let them know the bank was unable to verify the check & Wells Fargo returned the check. XXXX XXXX reset the check but didnt work bank rejected it again. I reached out to the XXXX and XXXX XXXX but no resolution. Wells Fargo returned the check again. I have went to the bank sat there XXXX hours because XXXX XXXX wants them to do a Hold Harmless Letter Well Fargo decline to help provide the correct documentation. Neither company is trying to compensate me with my funds. A police report has been made as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I purchased multiple gift cards for my staff. XXXX of the cards already had a transaction on it before the card was activated from a store on the other side of the country. I submitted a claim to Vanila Gift Card and they it has been undisputed for over XXXX  months with no contact or resolution.

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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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: Experian Information Solutions Inc.
State: LA

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 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: LA

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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