vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B 15 USC 1681c2 THAT YOU THE CREDIT REPORTING AGENCIE BLOCK INFORMATION APPEARING ON MY FICO CONSUMER REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF RECEIVING THIS FRAUDULENT AND INACCURATE FALSE INFORMATION CONSIST OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE RESULTED IN SEVERAL HARD INQUIRES, COLLECTIONS, AND FALSE CREDIT CARD OPENINGS APPEARING ON MY FICO CONSUMER REPORT I DO NOT RECONGIZE THE MENTIONED ACCOUNTS, COLLECTIONS, AND HARD INQUIRES ON MY CONSUMER REPORT MAINTAINED BY YOU THE MENTIONED ACCOUNTS ARE RESULTS OF IDENTITY THEFT AND FRAUD MY IDENTITY THEFT CRIMINAL COMPLAINT 3 IS XXXX AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT THE MENTIONED COLLECTIONS, ACCOUNTS, AND INQUIRES ARE 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 non-monetary relief
Consumer complaint received 2025-05-16 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: AR

Complaint narrative:
Starting XX/XX/year> Transunion has allowed a collection to be reported on my acct 4 times. Despite my time to resolve all fraud. Including fraud report, Transunion initially deleted the collection ( XXXX XXXX XXXX aka XXXX XXXX. ) off of my report but has allowed this creditor to consistently report on my credit while I suffer damage to my credit ratings. I have filed disputes over 3 tines as well as provide FTC REPORTS against this collection agency. I was told that they have no control over to how many times a creditor files whether its fraud or not. This goes against my rights. I have requested original docs as well as reported 15 USC 1692 to be applied to my credit standing. Please help remove this fraudulent collection off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: VA

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Dear XXXX ACCOUNT XXXX XXXX, I am writing to formally dispute the furnishing of my consumer report by your company without my written consent. Upon review of my credit file, I discovered that you accessed or obtained my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Section 604 ), which strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report.

15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written consent of the consumer. I have no record of providing such consent to your company. As such, your actions appear to constitute a willful violation of the FCRA.

Furthermore, under 15 U.S.C. 1681n, you are subject to civil liability for willful noncompliance. This includes actual damages, punitive damages, and costs of litigation, including reasonable attorneys fees, as provided under the statute. 

I request the following actions immediately : 1. Provide proof of my written consent authorizing the furnishing of my consumer report.

2. If no such proof exists, remove any inquiry or record of your access to my credit file from all credit reporting agencies.

3. Confirm in writing that your company will cease any unauthorized activities and comply with all applicable provisions of the FCRA.

Failure to address this matter promptly may result in my taking legal action to enforce my rights under the FCRA, including seeking damages for willful noncompliance. 

Please treat this letter as a formal demand for resolution and provide your response within XXXX XXXX of receipt. I expect all communication regarding this matter to be in writing and sent to the address listed above. 

Thank you for your prompt attention to this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I own a painting company, the rising costs of homes has made construction slow. I have been with XXXX XXXX for over a decade never had any issues. Now, every deposit gets put on hold. Last time it was XXXX XXXX which caused me to not be able to pay payroll, so I got a week behind. Then once the money was FINALLY available, I was already another week 's payroll behind! My employees have families and children! That last check we waited forever to get, then had to wait again. Then I deposited another check today, same thing. Put a hold on it. I CAN NOT SURVIVE THIS!! Nobody can run a business when you have to wait for every deposit every single time!! So, this is it. My employees just quit because I can't pay them, and now I have to return money to customers because I can not complete promised projects. I am out of business because of bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am legally XXXX XXXX XXXX and tried to create a XXXX Cash App. Account with my accurate information to verify my identity. However, the system repeatedly blocked my verification because of XXXX. I made as a XXXX  which I no longer have access to. Despite following all the instructions to create a new account verification fails. And I am unable to use Cash App services. I contact the Cash App support multiple times ask for my case to be escalated and requested to submit. My government issue ID to prove my identity in age. However, they refused to escalate or provide a way to resolve the identity block And it only told me to keep creating new accounts, which does not fix the problem. This issue prevents me from using Cash App legally and fairly. And I needed their identity verification team to mainly clear the block on my social security number in birthday so I can verify and use a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MA

Complaint narrative:
I am formally disputing the inaccurate personal information currently reported on my Equifax credit file, including the names " XXXX A XXXX XXXX, '' " XXXX XXXX XXXX, '' and " XXXX XXXX. '' These entries are incorrect and fail to accurately reflect my true identity. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is required to ensure the accuracy and integrity of the data it reports. This obligation includes promptly correcting any inaccuracies upon notification, to prevent financial harm and emotional distress for consumers. Given the critical importance of accurate identity information, these errors are unacceptable, as they can lead to misidentification, credit denials, and unnecessary financial setbacks.

Furthermore, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted significant concerns regarding Equifax 's failure to conduct thorough investigations, as required under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ). This includes the failure to adequately verify disputed information, potentially allowing inaccurate or outdated data to remain on consumer files. Under 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is required to promptly correct or delete any information found to be inaccurate, incomplete, or unverifiable. This failure to adhere to basic data accuracy standards not only violates federal law but also undermines consumer trust. I have attached personal documents for reference, clearly outlining the correct, verified personal information that should be accurately reflected on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Theres a tradeline on my credit report that is not being reported with the maximum possible accuracy, which is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
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 2025-05-16 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: AR

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 U.S.C. 1681. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A, STATES " I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681 C. ( a ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTIANING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
In response, I received letters from the credit bureaus and associated companies around XX/XX/XXXX, confirming that all information on my credit reports had been reviewed and verified as accurate and up to date. 
However, on approximately XX/XX/XXXX, I submitted another letter to the credit bureaus informing them that a specific account on my report contained inaccurate information. The company in question reported around XX/XX/XXXX, that my account had gone into collectionswhich is false. 
In response to my dispute, the company claimed that the information being reported to the credit bureaus was accurate and current. However, I have received a letter from the company stating that the account was paid in full and closed as agreed, with no mention of it ever being turned over to collections or involving a third-party collection agency. 
This directly contradicts what was reported to the credit bureaus. The companys own documentation confirms that no collections activity took place and that the account was resolved directly with them. 
Despite my efforts to correct the issue and provide documentation, the inaccurate collection entry remains on my credit report. I am seeking the CFPBs assistance to ensure that this false information is properly removed and that the credit bureaus and the reporting company comply with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your help in resolving this 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 2025-05-16 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: IN

Complaint narrative:
Company has filed a suit against me to repay this debt although debt is reporting on my credit report as charged off/written off as profit loss XXXX  2021. I have never received a 1099C and upon checking my tax transcripts no 1099C has ever been issued, however, this company continues to report to the credit bureaus that I owe {$6500.00}. My report continues to say that this debt was charged off in 2021. And the company continues to try to sue and garnish my checks. I have been disputing this account on my credit report for years to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IN

Complaint narrative:
Company has filed a suit against me to repay this debt although debt is reporting on my credit report as charged off/written off as profit loss XXXX 2021. I have never received a 1099C and upon checking my tax transcripts no 1099C has ever been issued, however, this company continues to report to the credit bureaus that I owe {$6500.00}. My report continues to say that this debt was charged off in 2021. And the company continues to try to sue and garnish my checks. I have been disputing this account on my credit report for years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IN

Complaint narrative:
Company has filed a suit against me to repay this debt although debt is reporting on my credit report as charged off/written off as profit loss XXXX XXXX. I have never received a 1099C and upon checking my tax transcripts no 1099C has ever been issued, however, this company continues to report to the credit bureaus that I owe {$6500.00}. My report continues to say that this debt was charged off in XXXX. And the company continues to try to sue and garnish my checks. I have been disputing this account on my credit report for years to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
I am formally disputing the inaccurate and potentially damaging charge-off entries reported by TransUnion, which include the following accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * XXXX XXXX XXXX dated XX/XX/XXXX for {$11000.00}. These entries not only contain inconsistencies but also raise serious concerns about the accuracy and completeness of the information being reported. Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in the data it reports. Given the widespread issues with data breaches and mishandling, it is likely that these inaccuracies are the result of compromised or improperly verified data. This is deeply concerning, as such errors can have severe financial and emotional consequences, including being wrongly perceived as a high-risk borrower, increased interest rates, and potentially denied credit opportunities. 

The emotional strain of constantly having to correct these errors is overwhelming. I have spent countless hours trying to resolve these inaccuracies, only to see my financial credibility suffer. These mistakes are not mere clerical oversights but fundamental failures to uphold the basic rights of consumers. I expect TransUnion to conduct a thorough and fair investigation into these accounts, ensuring that the information reported is accurate, complete, and verifiable, as required by 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 2025-05-16 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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