vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: MA

Complaint narrative:
Dear TransUnion XXXX XXXX, I am writing to formally dispute the reporting of an account associated with XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. After reviewing Your recent dispute results investigation File Number : XXXX, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) and demand an immediate investigation into these inaccuracies. 

Basis of Dispute and Request for Deletion : Address Mismatch Failure to Maintain Maximum Possible Accuracy. 

The address TransUnion has listed for me is incorrect and incomplete. The FCRA requires consumer reporting agencies to maintain the maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). The incorrect address you have used demonstrates a failure to verify my identity properly and thus invalidates any investigation results. 


The correct address on file should be XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, as it is on my XXXX  drivers license not the inaccurate version reflected on your investigation results report. 
This discrepancy alone violates the FCRA accuracy requirements and makes any reported information unreliable. 

Inconsistent and Conflicting Account Information The reported balance, charge-off amount, and payment history do not match across different credit bureaus. According to my XXXX  report, XXXX and XXXX are reporting different high balances and past due amounts compared to TransUnion. 


High Balance Inconsistencies : TransUnion : {$13000.00} XXXX : {$15000.00} ( different charge-off amount ) Last Payment Dates Conflict : TransUnion : XX/XX/year> Other bureaus show different dates. 

This suggests that either XXXX XXXX is providing conflicting data or TransUnion is failing to accurately update records. Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), any unverifiable or inaccurate information must be promptly deleted from my report. 


Failure to Provide the XXXX of XXXX The FCRA mandates that credit bureaus must provide consumers with their method of verification upon request ( 15 U.S.C. 1681i ( a ) ( XXXX ) ). I previously disputed this account, yet TransUnion failed to provide any supporting documentation from XXXX XXXX proving the validity of the debt. 


I am demanding a copy of the original signed contract with XXXX XXXX, proving that this debt belongs to me. 
If you can not provide this documentation within XXXX  days, per the FCRA, you are legally required to delete the account 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 2025-03-09 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-09 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: FL

Complaint narrative:
This company XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Charged my XXXX  a {$490.00} subscription, with out notifying me. I never use this card, and they charged me this yearly charge, with out my authorization, then never sent me a bill for the {$490.00} so we I had no idea they were charging me the {$490.00}, and I have no bill, so I had no idea about the {$490.00}. They agreed to credit me the {$490.00} and cancel the card, but they still have damaged my credit report, and i am in the middle of an XXXX XXXX, and they have done significant damage to my credit 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX i put a freeze on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said experian allowed the company 's below to access my report WITHOUT MY PERMISSION XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-09 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 disputing the above-referenced debts. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE Due to data breach, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. 
I recently discovered that my personal information has been compromised and fraudulently used to create accounts. 
Under the law, i am entitled to have these accounts deleted from my credit report and blocked for future use. I will send in my driver license, copy of ftc, and proof of address

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 2025-03-09 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: NC

Complaint narrative:
I hope youre doing well. Im writing because Ive noticed an inquiry on my credit report that I absolutely did not authorize. I never gave them permission to pull my credit, and Im concerned this might be an error or even a case of fraudulent activity.

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 2025-03-09 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:
I have a new CC or loan reported on my Transunion credit report from XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX I did not open this account. 

Please help me remove this from my credit. 
Thank you. 
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 2025-03-09 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: IA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues negatively impact my credit! 
Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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 2025-03-09 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: IA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues negatively impact my credit! 
Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MN

Complaint narrative:
I am a victim of identity theft. The information listed, which appears on my credit report transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MN

Complaint narrative:
I am a victim of identity theft. The information listed, which appears on my credit report transaction ( s ) that I have made. It is the result of identity theft.

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 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
On XX/XX/year>, I deposited money from a debit card into my XXXX  account. I placed several trades and attempted to withdraw my initial deposit + profit. However, I attempted to withdraw to my bank account rather than to the debit card I used to deposit. This appeared to prompt an account restriction in which I was told I would be contacted by XX/XX/year>. XXXX  provided a support phone number. I called it immediately on the early morning of XX/XX/XXXX. I was told they will take a note of my questions but did not provide me any temporary recourse or resources. I expressed my concern about their decision to withhold my funds and mentioned that it could create issues if I am not able to access my funds in a timely manner. The XXXX support person did not actually give me any information, and I reminded him that the phone call was being recorded ( per XXXX ) so that there should be a record of my request for temporary recourse pending the review of my account. It is XX/XX/XXXX. I have received no additional information through the XXXX app nor my email. The XXXX app has changed and now says I will be contacted by XX/XX/XXXX. It is unclear whether my funds will be available for withdraw after XXXX makes contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Credit card company is charging exorbitant late fees and has deceptive billing and notification processes. I have called and spoken with them several times and they say they can not address the issue. When I tell them they are not following the law that caps the late fees, they say that it is not true. 

They are sending me deceptive billing and notification email reminders to collect monthly payments AFTER due date. I login thru their website and pay the with credit card bill when I get the notice ( 3 months in a row ) but was not informed the payment was considered " late. '' I paid on the XXXX of XXXX but it seems the payments was not processed until the XXXX of the month- although now Discover says payment is due on the XXXX. They charge 29.99 % interest and on top of that a {$41.00} late fee, so my principal is not being paid down. 

I paid {$95.00} with the late fee shows paid on XX/XX/year>, then they sent me another bill to say my account was past due on XX/XX/XXXX and another {$41.00} late fee was charged for a payment due reminder to be paid by XX/XX/XXXX for {$100.00}. 

I asked that they remove the {$41.00} late fee because how could I be late when the payment date did not occur and that I had already just paid a {$41.00} late fee. I do not even use the card, I am just paying exorbitant interest and multiple late fees and I thought the late fees are supposed to be capped, but Discover Card said they would not remove the XXXX {$41.00} late fees despite their ability to see that I have paid my bill every month since I acquired the card several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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 am listing one Public Record Fraudulent from all of my 3 bureaus : Experian, Equifax and Transunion. Listed Public record does not belong to me and must be removed from my all of my Experian, Equifax and Transunion. I had a call with the company and the credit reporting agency advised me to file and identity theft report for deletion. I am requesting Experian, Equifax and Transunion mark this Public Record fraudulent and remove from all of my 3 Credit 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 non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
I am listing one Public Record Fraudulent from all of my 3 bureaus : Experian, Equifax and Transunion. Listed Public record does not belong to me and must be removed from my all of my Experian, Equifax and Transunion. I had a call with the company and the credit reporting agency advised me to file and identity theft report for deletion. I am requesting Experian, Equifax and Transunion mark this Public Record fraudulent and remove from all of my 3 Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am following a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial ( 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, the dispute resolution process was unfair and deceptive, as they did not comply with Error Resolutions 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 2025-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
On XX/XX/scrub>/25 I attempted to deposit money into my account, which had a negative balance of - {$0.00}. I first deposited {$10.00}, but instead of bringing my balance to a positive amount, my account still showed a negative balance. I then deposited an additional {$2.00}, expecting my balance to reflect a total deposit of {$12.00}. However, my account then showed a negative balance of - {$12.00}. 

I contacted Capital One to address this issue, and I was informed that I still owed {$12.00}, despite having proof of my deposits. I spoke with a manager named XXXX ( Consumer ID : XXXX ), who stated that the issue should be resolved by tomorrow and that I should receive my money back. However, I believe these overdraft fees and negative balances were applied incorrectly, and I am seeking clarification and resolution for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
Please correct my credit report and remove all negative information from my report due to data breach. I have supplied necessary information and I want it done based on FCRA laws. 
It should not take more then XXXX days. I expect immediate actions and corrections. 
I need all negative information again, removed from my credit 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 2025-03-09 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: NY

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: First Technology Federal Credit Union
State: TX

Complaint narrative:
The company XXXX XXXX XXXX with address in XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX, was been doing hard inquiries without my permission. 
It was done on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I had made dispute with XXXX and they took it out of my report. 
XXXX has the hard inquiries in my report. This year this company did another inquiry on XX/XX/XXXX. 
I will really appreciate if you please look into it and help me resolve this issue. I'm trying to restore my credit and this is definitely not helping. 
Thank you in advance and please keep me updated.

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 2025-03-09 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: IL

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a XXXX  situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I saw that these accounts were open in my named I called the company to get information regarding the account but was told that I could not get none because the account was closed. I have no knowledge of the account or who opened it.

Company response to consumer: Closed with explanation