vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Inaccurate Information Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Upon reviewing my consumer file, I have identified the following errors : XXXX. Incorrect Addresses. Please delete any address that is not below. 

XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX. Misspelled/Incorrect Names. Please delete any name that is not below. 

XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC 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 2025-08-24 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received a replacement card along with a letter that this card would be coming from : Prepaid Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX I got the card in the mail and it needs to be activated. I called the phone number to activate it ( XXXX ) and the automated service to activate it says the card is invalid XXXX then transfers me to a representative who says they can not activate it that only the automated service or the website prepaidgiftbalance.com can activate it. When I go to the website I get an error that it can not activate it and then when I try to get more help from the contact me section, it requires a serial number on the back of the card, this is a required field to get to the next screen. There is no serial number on the back of my card. 

I've repeatedly asked to be transferred to someone who can help me and supervisors. I get hung up on. I get told by the supervisor that these are my only XXXX options and they can transfer me back to the activation line that I've explained I've tried dozens of times at this point and it does not work. 

I feel I need to sue.

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 2025-08-24 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: VA

Complaint narrative:
Pursuant to the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I hereby assert that I have not provided any acknowledgment or evidence of the alleged debts, and thus I am presuming that no such debts exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I had sold {$50.00} in crypto and had access to funds immediately. An hour later I sold {$20.00} more and that money is being held for my security safety. So I tried to transfer m9ney out of my account over to another account and it was stopped multiple times. When I called venmo on this I was hung up on after being on hold for multiple hours. When i tried chatting thru the app I was ignored. When I finally got thru I was told my money was held up for my safety. Even after I validated my identity as the account holder they would not disclose the reason why I didn't have access to transfer my funds and as to the reason my crypto bought thru venmo and sold back to venmo was being held. Their customer service lied to me as well as ignored me. They are with PayPal and I'm going thru a dispute with PayPal now because they gave unauthorized access to my account to XXXX XXXX XXXX  and even with my card locked and my account not attached to XXXX XXXX XXXX in any way at all allowed XXXX XXXX XXXX  to pull {$180.00} out of my account. Without authorization from me, with my card locked and XXXX XXXX XXXX  not being attached to my PayPal account. I took pictures and have proof. The FCC is also involved with this dispute with XXXX XXXX XXXX  bit also PayPal gave someone access to my account without my knowledge and my card locked. The account attached to my XXXX XXXX XXXX account is my XXXX  account not my PayPal account. My PayPal account has never been attached to my XXXX XXXX XXXX  account. I did not know venmo was with PayPal when the account was opened and money put in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. 

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX XXXX | Account Number : XXXX XXXX XXXX XXXX | Account Number : XXXX XXXX XXXX XXXX | Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX | Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX | Account Number : XXXX please remove the following addresses from credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX please remove the following inaccurate names from credit report XXXX  XXXX XXXX XXXX XXXX please remove the following inaccurate numbers from credit report ( 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 2025-08-24 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: AR

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Cease and Desist Demand for Account No. [ Last XXXX digits of account number ] Dear Sir or Madam, I am writing to formally request that all communication from your agency regarding the above-referenced account, which you claim is owed to XXXX XXXX XXXX XXXX XXXX immediately. 
As permitted under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you stop all further attempts to collect this debt, including phone calls, letters, and any other communication, whether direct or indirect, related to this matter. I am also requesting that you cease any further reporting of this account to credit bureaus. 
Please be aware that any future contact or attempt to collect this debt without proper legal grounds will be considered harassment and may result in legal action. 
If you believe I owe this debt, please provide verification, including a copy of the original contract or signed agreement between myself and XXXX XXXX XXXX, as well as a detailed statement showing how this balance was calculated. 
If this account is being disputed or handled differently, please communicate accordingly. 
Thank you for your attention to this matter. I expect your prompt compliance with my request. 
Sincerely, 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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I do not have, nor have I ever had a cash app. somehow they took money from my account and added small amounts. the largest amount taken was {$500.00}. I have tried many times to talk to them and emailed them all the information they have asked for. They have not resolved this issue with me. I have had two fraud case numbers with them so far. The last one is # XXXX. When I call cash app, they argue with me for XXXX minutes about not being able to talk to with me because I don't have a cash app, even thou I try to provide with them a case number they still are very rude and mean to me. I have hung up several times hoping if I call back and I will get someone a little nicer to me. I have went to my bank several times and because this a cash transaction they can not file a report with cash app. I have spent several hours on this matter and I can not any where with them. They have admitted and know I do not have a cash app account and I tried so many times to get help and it is always the same thing. We have your information and a case has been open up and we will contact you after looking into this. No one called me ever! I call back and same thing argue again about not having cash app, we will look into this ect. I want my money back! on XX/XX/XXXX cash app named XXXX XXXX  XXXX CA took out {$2.00} twice. on XX/XX/XXXX added {$5.00} from cash app Cash app card XXXX CA. on XX/XX/XXXX cash app took out {$2.00} from XXXX XXXX  XXXX CA. on XX/XX/XXXX cash app took XXXX from a XXXX XXXX ( not my daughters acct ) cash app already knows that! ) XX/XX/XXXX cash app under XXXX XXXX took {$5.00} then deposited {$5.00}. XX/XX/XXXX cash XXXX XXXX took XXXX. XX/XX/XXXX cash app XXXX XXXX took {$500.00}. thats when I noticed what had been going on. My daughter XXXX XXXX has cash app account but cash app knows the transactions do not match hers. For someone who does not have cash app. I can not believe it has been this hard to talk to someone from cash app and get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : Dispute of Multiple Affirm Accounts ( Acct # XXXX, XXXX, XXXX, XXXX ) To Whom It May Concern, I dispute the reporting of the above Affirm accounts as inaccurate and possibly duplicative.

Under FCRA 609, I am requesting the method of verification used to confirm these accounts. Please provide : 1. The specific documents XXXX  used to verify each account.

2. Original creditor records confirming balances and dates.

3. Proof that these are not duplicate entries reporting the same obligation multiple times. 

If XXXX can not verify each account with proper documentation, I request their deletion. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
I saw this debt being owed from XXXX for XXXX $ on all my credit reports. I did not receive anything before hand. When I asked for debt verification letter, I just got an amount with no actual details and on asking that I was told they will get it from XXXX and share with me, but they already put this on all my credit reports ( if they did not have that information why report it ) They made my credit score fall down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
multiple addresses on credit report that i have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report has two addresses that do not belong to me and are in places in which I have never lived. 

First : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Second : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please remove 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 non-monetary relief
Consumer complaint received 2025-08-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington , DC XXXX Re : Complaint Against I.Q. Data XXXX XXXX XXXX. Violation of 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am writing to file a formal complaint against I.Q. Data XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

On XX/XX/year>, I advised I.Q. Data XXXX XXXX XXXX to cease all communication by telephone regarding an alleged debt in the amount of {$750.00}. Despite this clear directive, the company continued to place repeated and unwanted phone calls to me, constituting harassment and a direct violation of federal law. 

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the collector must not continue further contact except for very limited reasons ( e.g., to inform the consumer of specific legal action ). I.Q. Data XXXX XXXX XXXX has disregarded this statutory requirement and has engaged in unlawful conduct. 

This ongoing behavior has caused me stress and undue hardship. I request that your office take immediate action to investigate this matter and hold I.Q. Data XXXX XXXX XXXX accountable for their violations. 

I also request that all further communication regarding this matter be made in writing only. 

Please confirm receipt of this complaint and inform me of the steps that will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : NOTICE OF INTENT TO SUE Willful & Negligent Violations of the Fair Credit Reporting Act ( FCRA ) This letter serves as formal notice of my intent to pursue legal action against Experian, Equifax, and TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXXXXXX XXXX XXXX account ending in XXXX was paid in full, never late, and closed in XX/XX/year>. Despite this, the account has been wrongfully removed from my credit reports. I have submitted multiple disputes, direct requests, and CFPB complaints, all of which have been ignored. Additionally, Experian has unlawfully blocked me from accessing my account and filing disputes, violating FCRA 609 and 611. This is not an isolated mistake but a pattern of intentional and direct targeting, designed to cause severe and irreparable harm. Despite maintaining a XXXX credit history with excellent payment performance, my positive tradelines have been erased, leaving my credit profile incomplete and injurious. As a result of your actions, I have suffered irreparable harm, including but not limited to : - Inability to secure stable housing for myself and my XXXX children. - Loss of employment opportunities and income. - Denial of access to basic needs and financial resources. - Severe emotional distress, compounded trauma, and ongoing stress. - Deterioration of my health conditions, leading to a XXXX XXXX in XXXX. - Compounded trauma as 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 
These harms have been compounded by years of wasted time and lost work spent attempting to correct my reports, leaving me closer to my grave while the credit bureaus profit from their misconduct. Your conduct constitutes willful and negligent noncompliance with FCRA 602, 607 ( b ), 609, 611, 616, 617, and 623. Under 616617, you are liable for actual, statutory, and punitive damages. I hereby DEMAND : 1. Immediate reinstatement of all positive tradelines wrongfully removed, including the XXXX XXXX XXXX account. 2. Restoration of my lawful access to my Experian file and dispute rights. 3. Written confirmation of compliance within fifteen ( 15 ) days of receipt of this letter. 4.

Monetary damages in the amount of {>= $1,000,000}, encompassing actual, statutory, and punitive damages.

Failure to comply will result in immediate filing of a lawsuit in federal court without further notice. I reserve all common law and constitutional rights. 
Respectfully, XXXX XXXX XXXX XXXX woman beneficiary, not the ALL CAPS corporate entity XXXX XXXX XXXX nor any derivative thereof, and not surety

Company response to consumer: Closed with non-monetary relief