vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Attorney XXXXXXXX XXXX XXXXXXXX XXXX requested to deleted all negative information from all three credit bureau withing 30 days. They have not respond to the demand dispute letter and nothing has deleted. All negative information remained same status.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX XXXXXXXX as Assignee of Citibank, NA, Filed law suit against me, I did not know who they are or anything about them until lawsuit filed. 

They lied to the court saying they did not know my phone number and not sure of my address, but I have had the address and phone number for XXXX years and Citibank had both. 
As I understand it, according to Fair Debt Collection Practices Act/Federal Trade Commission -- 15 USC 1692g -- 809 Validation of debt ; they were supposed to send me a written notice with in five days of initial communication with a consumer and they made no commutations with me at all and no notice. Plus they lied to the court on the papers as they said they did not have my phone number or address that I have had for eight years and Citibank had them. 

XXXX XXXX XXXX XXXX and their XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas XXXX I had never heard of until lawsuit filed. 

I am a XXXX Veteran and I do not have a contract with this company, 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 2025-09-09 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: TX

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-09 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: NJ

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following mortgage account : XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ). I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-09-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
What Information Did you Request? : I asked CashApp multiple times to investigate the fraud. Can't get a person on the phone and their in app chat in their " help section '' is a joke since they ignore the clear signs of fraud/the hacker made comments during my first attempt to get help. Asked for a support convo log today and wasnt given one. No longer show past support requests in the chat. I tried to get the support chat transcript and it is no longer in the chat history after 3.5 years of it being there. I requested a copy of my attempts to get help without luck. The hacker made offhand comments in the chat while I was trying to get help. 

What Happened? : On XX/XX/year> Someone hacked my CashApp Account and made a few transactions totaling {$150.00} in which they transferred it to XXXX and sent it to themselves. I did not consent to or have any part in the transactions. I got an alert right away and went onto the app and did the in app message with the help center and the person hacking the account made comments while I was trying to get help that were to poke fun of me and false statements that were insulting. CashApp wouldn't and continues to claim there were no fraudulent activity since the transactions came from my device despite the clear jabs that were made at me that show that it is another person writing it not only due to the comments having nothing to do with getting support for freud, but the poor spelling. I have tried countless times in their help center message area, trying to get a human over the phone, and filing a report with the Consumer Fraud Protection Bureau without any rectification. 

Even though I didn't have any money stored on the app, I continue to have an unpaid balance of {$150.00} to this day despite trying to get this resolved by contacting CashApp multiple times in app and by phone when they don't really uses their number which is difficult to get through to a person. I rarely have used CashApp as a means of payment and since that incident never used it for monetary reasons and only used it for their free tax filing service until this past tax season after I could no longer allow myself to use the app due to stress and their making my personal account into a business account out of nowhere without my knowledge or consent. I no longer use the app and can't delete my profile since there is an outstanding balance that was fraudulent. 

I have collected screen grabs and other visuals that show that it was another person as well as my interactions with CashApps help portal team members. 

Please help me be free of this outstanding balance and finally delete CashApp from my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank issued a VISA check card The card XXXX was stolen and used by fraudsters on the internet. 
These transactions were theft of identity and were card-not-present ( CNP ), no PIN was used, or signature, and no physical card was present. {$6200.00} was stolen. 
Wells Fargo bank refused to adequately review the claim, or even dispute the transactions with VISA. Instead they denied the claim and provided no recourse.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
b'To Whom It May Concern,\n\nI am submitting this complaint to dispute two collection accounts that appear on my credit report, which I believe are inaccurate and/or unverifiable.\n\nDetails of the Disputed Accounts:\n\nCollection Agency Name: JPMCB CARD SERVICES\nAccount Number: XXXXReported Balance: XXXXDate Reported: XXXXReason for Dispute:\n\nThese accounts are not mine OR I have no record of owing these debts.\n\nI have not received any written validation or original creditor documentation as required under 15 U.S.C.  1692g (FDCPA).\n\nReporting unverifiable or inaccurate information violates the Fair Credit Reporting Act, 15 U.S.C.  1681i.\n\nI request that the CFPB require the collection agencies and the credit reporting agencies to:\n\nProvide full validation of these debts, including the original signed agreement and complete payment history.\n\nRemove these accounts from my credit report if they cannot be fully validated within the required time frame.\n\nCease reporting of any unverified information to credit bureaus.\n\nSupporting Documentation:\n\nA copy of my current credit report showing the disputed items.\n\nA copy of my government-issued ID.\n\nProof of address.\n\nI appreciate your prompt assistance in resolving this matter.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX  Delaware, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/XXXXXXXX  I received a discharged from Trustee XXXX XXXX XXXX of the estate, XXXX  XXXX case. United States Bankruptcy Court of Nevada. During this process my Attorney worked with Bank of America to remodify my home loan in order for me to keep the home. I completed the XXXX  XXXX program successfully and received a remodify of the mortgage loan account with Bank of America. Over time I realized that Bank of America was not reporting my loan to the credit bureaus. I called and spoke to a representative at Bank of America and was told my loan/account was in a bankruptcy status therefore they will not send reporting to the bureaus. I explained that the case closed in early XXXX  and I was granted the re modification and ask that they start reporting. The representative refused and stated when a bankruptcy takes place the account never leaves the bankruptcy status and therefore will not be reported. So not knowing better I left it at that. Here recently I started to look into the issue again. In XX/XX/XXXXXXXX  I called Bank of America and spoke to a Representative, once was refused my request and advised to be in writing. I contact my Attorney and he drafted a letter dated XXXX/XXXX/XXXX asking to remove the loan from bankruptcy status and resume credit reporting. As he agreed that Bank of America was not following the appropriate protocol. I received a written response from Bank of America XX/XX/XXXX see attached. The letter stating YOU ARE CURRENTLY IN A BANKRUPTCY PROCEEDING OR HAVE PREVIOUSLY OBTAINED A DISCHARE OF THIS DEBT .. which the loan is not in such a status. Also stated what they are reporting to agencies is correct .. which they are not reporting any information to the agencies. Then went on to say that loan info is not being reported to agencies. So this letter is a generic letter and tells me they did not take my request seriously therefore did not review past history. Which explains the ( Research request number of XXXX ) I also called and spoke to Representatives with XXXX  and XXXX  both stated that Bank of America must report loan status to agencies and advised that I contact Consumer Financial Protective Bureau for assistance. 
Thank you for your assistance in 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 2025-09-09 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: MI

Complaint narrative:
XXXX bill was updated three months ago and current to the date. This is the second time theyve tried to sell my account to collectors now my account is closed and sent to a collection agency for XXXX which they should have not have done because my bill is paid in full Once again. This has happened more than once that they have sold my account that is an open account XXXX I have verify and do have verification of updated payments from my bank account. This is incorrect also on all three of my creditors. They have announced it a closed account and also Placed a second collection on my credit bureaus as well please see attached information from bank statements

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

Complaint narrative:
Upon reviewing a duplicate copy of my consumer credit report, I have discovered unauthorized inquiries that violate my rights under the XXXX XXXX XXXX XXXX XXXX  XXXX ). Each of these inquiries constitutes a violation of my consumer rights and is considered unauthorized disclosure of my personal information, amounting to fraud and identity theft. Therefore, I demand the immediate deletion of these inquiries from my credit report. Please be advised that I have already filed complaints with the Consumer Financial Protection Bureau. I have been the victim of identity theft and fraudulent reporting, and your agency has knowingly allowed inaccurate and unauthorized information to remain on my consumer file. The accounts and inquiries in question are not connected to me in any way and were never authorized by me. They must be removed without delay.

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 2025-09-09 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: LA

Complaint narrative:
I was trying to buy me home and i saw error on my credit file didnt get response to my dispute been over 30 days.per law 15 usc 1681 is deformation to my character.

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 2025-09-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was trying to buy me home and i saw error on my credit file didnt get response to my dispute been over 30 days.per law 15 usc 1681 is deformation to my character.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections and charge-offs in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard 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 2025-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
I recently did a loan modification, and I was approved. I have been. Making my new loan payments on time and in full. 
I was notified that my loan has been transferred to a new servicer and I was only given a 2 month escrow analysis. I requested a full escrow analysis including anything that was payed out like homeowners insurance and I was told no I couldn't have any of that information. My last analysis was done XXXX of XXXX  I was told that and the current 2 month analysis was all I would be able to get. 
I also have checks that weren't cashed from when I refinanced my mortgage with loan Depot and I requested new checks be written out to me and to check to see which ones have cleared so since my loan has transferred all the accounting can be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I sent a formal letter asking for proof of me owning this account and that they are they didnt buy this account from someone and falsely put it on my credit report. They did not remove it and it is messing up my credit. I even explained that I had identity theft.

Company response to consumer: Closed with explanation