vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$450.00} from XXXX XXXX  XXXX listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, 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 2025-04-01 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:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$450.00} from XXXX XXXX  XXXX listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX my phone was stolen and used to withdraw cash from my cash app for {$65.00} from an unknown source. When I tried to contact support they instantly denied me offered me no refund or help or investigation and didn't believe me. Not only did I lose this money but I lost time and money from my daily XXXX and work and sanity I wasnt able to pay other bills because he over drafted me. I Spent countless hours emailing and talking to supposed support wasting time and money and nobody would help me. I had to close down my account linked to my old phone XXXX and the cash tag was XXXX. Also in the summer of XXXX someone on XXXX tried to scam me and say they were sending me {$2500.00} just because and when I said I didn't receive the money they told me I must send them the cash first but in small increments and then he can send them right back with my {$2500.00} I was stupid and naive and desperate at the time so I believed him. He stole a couple XXXX from me and again same treatment from cash app support and same wasted time and money and missing work.honeztly I need to be compensated well over the XXXX threshold for all the pain and misery he caused me the anguish XXXX  XXXX and missed salary. This happens to my old cash app under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-01 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I believe I was negatively impacted by TransUnion, hurting my chances of credit after receiving a response to my earlier dispute that the accounts were verified, but I dont have any details about the alleged investigation. I also received a stall letter from them via their secure portal, stating that the disputed fraudulent accounts ( belonging to someone else with a totally different social security number but same name ) could not be blocked. I am a victim of identity theft, dueto the XXXX, XXXX and XXXX data breaches. The disputed accounts should be blocked/deleted because they fall under the FCRA law regarding fraudulent accounts and credit reporting errors. XXXX letter I recently received from TransUnion falsely accused me of not disputing the accounts myself, though I am in fact the individual that disputed the fraudulent accounts and attached copies of my ID, SS Card, proof of address, and an FTC Identity Theft Report to the dispute letter. Instead of TransUnion properly investigating and deleting the fraudulent accounts that they merged onto my credit report in error during the timeframe of them suppressing my credit file, they have instead requested verification that I am the person disputing the accounts. TransUnion has emailed the stall letter, as a tactic to dissuade me from challenging the fraudulent information being reported on my credit report. In the stall letter, TransUnion has declined to block the fraudulent accounts, while also requesting a copy of an identity theft report. As stated above, I have followed the FCRA laws and guidelines with providing TransUnion with a copy of all pertinent information, including an FTC identity theft report which should not have been requested since the disputed accounts are erroneous information belonging to someone with a totally different social security number than mine. I have confirmed this information by calling the alleged creditors. If TransUnion would have properly investigated, they would have learned that the accounts are being reported in error because they belong to an individual with a totally different social security number. 

TransUnion is in violation of the consumer protection laws and my rights due to improperly investigating, refusing to delete accounts resulting from identity theft, and credit reporting errors ; therefore, they must provide details of a thorough and proper investigation, as well as block/delete the disputed accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Credit Bureau submitted and processed a " FRAUDULENT CREDIT APPLICATION '' from XXXX XXXX XXXXXXXX, Experian continues to write " Fraudulent Credit Reports '' and include " SLANDER, DISCRIMINATION, DEFAMATION of Character '' buy documenting " False Frivolous Notations '' on my credit bureau, and furthermore Experian continues to send credit application " that I did not submit even when my FICO Score is over " XXXX '' but Experian Credit Bureau iT employee had disapprove False credit application too " LOWER FICO Score and enter Slanderous Negative Statements on Bank Account web Sites.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I opened an account online on XX/XX/year>. On XX/XX/year>, I went into the branch at XXXX XXXX XXXXXXXX XXXX  NY. I appeared in person at the branch and made a cash deposit of {$25.00}. I offered to provide my drivers license, but I was informed that the license was not required. The {$25.00} was deposited without issue. I was informed the account was open and in good standing, no further information was required. 

On XX/XX/year>, {$1000.00} was deposited into the account from XXXX. XXXX indicated that the funds were transferred fully on XX/XX/year>. In the interim ( over the weekend of XX/XX/year> ), the funds appeared to be PENDING on M & T 's online portal. 

On XX/XX/year>, the funds completely disappeared from the M & T account. The funds did not appear as posted or pending. I called M & T Bank and they would not provide any information about the status of the transfer. They would not tell me if the funds were being held, they would not tell me if the funds were being returned to 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 2025-04-01 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: TX

Complaint narrative:
I am writing to formally request the immediate correction of inaccurate personal information in my credit report with Experian, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Under this law, consumer reporting agencies are required to conduct a reasonable reinvestigation upon receiving a dispute and to correct or remove any information that can not be verified as accurate. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers of information to credit reporting agencies must ensure the accuracy of the information they report.

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 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Sent XXXX XXXX  worth of checks to selene finance XX/XX/XXXX got a call that XXXX to 10 days I have a XXXX percent to start repairs on my house. XX/XX/XXXX I called again and lady acted like she knew nothing and started the case over. Said XXXX to 10 days again on XX/XX/XXXX. Called XX/XX/XXXX again and escalated it to talk to supervisor, they said with XXXX hours you receive a call never got XXXX. XX/XX/XXXX I got email with packet I already filled out and they got,, called XX/XX/XXXX again and XXXX said she sees where my account but waiting on approval,, what a joke. Been out my house 6 months,, insurance paid money and selene financial mortgage is holding my money XXXX and keeps giving excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-01 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-01 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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX BALANCED {$1800.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$690.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$400.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2025-04-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXXpened XXXX XXXX XXXX With a balance of {$10000.00} Account number : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$310.00} Account number : XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX  XXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} Account number : XXXX XXXX XXXX  - Opened With a balance of {$0.00} Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXXXXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$3100.00} Account number : XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$880.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding multiple collection companies that are unfairly damaging my credit and violating my rights under federal law. Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX XXXX have reported inaccurate or unverifiable information to my credit reports with XXXX, XXXX, and XXXX, and their actions persist despite my attempts to correct the issues. These actions have lowered my credit score and caused me financial harm. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting, and possibly the Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair debt collection practices. I have attempted to resolve this by disputing with the bureaus and contacting each company, but the companies continue to report false or outdated information. 

I request the following : Ensure these items are permanently removed from my credit reports. 

Hold these companies accountable for violating my consumer rights. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CT

Complaint narrative:
Ive contacted these credit reporting agencies multiple times requesting that they investigate these fraudulent accounts thats reporting to my credit report and Im not getting any correspondence from any of these companies.

Company response to consumer: Closed with non-monetary relief