vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
In XX/XX/XXXX, I discovered several accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft or fraudulent use of my personal information. 

The fraudulent accounts include : XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Credit Card Opened on XX/XX/XXXX XXXX XXXX XXXX  Credit Card XXXX on XX/XX/XXXX XXXX XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX Card Credit Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Buyer Opened on XX/XX/XXXX I did not apply for or authorize any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NJ

Complaint narrative:
Dear Sir, Madam, or to whom elsewise it may concern I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 
Listed below are the Collections that are being challenged 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 2025-04-30 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: NJ

Complaint narrative:
Dear Sir, Madam, or to whom elsewise it may concern I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 
Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
I purchase a online passport renewal ( XXXX ) from through XXXX XXXX , FL which is XXXX XXXX XXXXXXXX XXXX . I used my Discover credit card on XX/XX/XXXX. I did not receive any product from this company for {$100.00}, invoice number XXXX. 
I again purchased a passport renewal ( XXXX ) from USDEPT of STATE DIGITAL OFFICE, XXXX, SC.. They notified me at that time " NO PRIOR PASSPORT application ( XXXX ) had been applied for/or was in process as of XX/XX/XXXX ''. 
On XX/XX/XXXX, I was billed on my XXXX credit card for {$130.00} for my passport from USDEPT of STATE, XXXX, SC. I received a renewed passport through this purchase supplied by USDEPT of STATE DIGITAL, XXXX, SC. 

I requested a refund from Discover Card as no product was ever delivered through this purchase of {$100.00}. The investigation by Discover advised me this was a legal purchase from this vendor, even though no product was ever delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to maintain the maximum possible accuracy of the information contained in my credit reports, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Upon reviewing my credit files, I found multiple unauthorized and inaccurate accounts, outdated addresses, and hard inquiries reported without my consent. Specifically, items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple collection agencies appear across my credit reports. Additionally, several previous addresses and unauthorized hard inquiries from XXXX XXXX were listed. These reports were made without permissible purpose and without my written authorization, violating 15 U.S.C. 1681b and 1681c. 

I formally disputed these inaccuracies and issued an opt-out notice to each bureau, demanding that they delete the disputed accounts, addresses, and inquiries, and cease any further unauthorized reporting of my personal information. Despite providing detailed disputes and invoking my rights under the FCRA and the Privacy Act oXXXX XXXX  ( 5 U.S.C. 552a ), the bureaus have not adequately corrected the records or provided sufficient verification of the disputed items. 

Their failure to correct and remove these unauthorized and inaccurate items has negatively impacted my creditworthiness, caused financial hardship, and subjected me to emotional distress. 

I am requesting the CFPBs assistance in enforcing my consumer rights. I respectfully ask that the CFPB investigate these violations and ensure that Equifax, Experian, and TransUnion : Permanently delete the inaccurate accounts, addresses, and hard inquiries ; Cease reporting my personal information without explicit written consent ; Provide an updated and corrected copy of my credit reports free of charge. 

If these issues are not resolved promptly, I am prepared to pursue all remedies available under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for failing to maintain the maximum possible accuracy of the information contained in my credit reports, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Upon reviewing my credit files, I found multiple unauthorized and inaccurate accounts, outdated addresses, and hard inquiries reported without my consent. Specifically, items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple collection agencies appear across my credit reports. Additionally, several previous addresses and unauthorized hard inquiries from XXXX XXXX were listed. These reports were made without permissible purpose and without my written authorization, violating 15 U.S.C. 1681b and 1681c. 

I formally disputed these inaccuracies and issued an opt-out notice to each bureau, demanding that they delete the disputed accounts, addresses, and inquiries, and cease any further unauthorized reporting of my personal information. Despite providing detailed disputes and invoking my rights under the FCRA and the Privacy Act oXXXX XXXX  ( 5 U.S.C. 552a ), the bureaus have not adequately corrected the records or provided sufficient verification of the disputed items. 

Their failure to correct and remove these unauthorized and inaccurate items has negatively impacted my creditworthiness, caused financial hardship, and subjected me to emotional distress. 

I am requesting the CFPBs assistance in enforcing my consumer rights. I respectfully ask that the CFPB investigate these violations and ensure that Equifax, Experian, and TransUnion : Permanently delete the inaccurate accounts, addresses, and hard inquiries ; Cease reporting my personal information without explicit written consent ; Provide an updated and corrected copy of my credit reports free of charge. 

If these issues are not resolved promptly, I am prepared to pursue all remedies available under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a renewed complaint against LVNV Funding LLC and Resurgent Capital Services for unlawful collection and inaccurate credit reporting. 

I never signed a contract or agreement with LVNV Funding LLC or Resurgent Capital Services. Yet, they are reporting a charged-off XXXX XXXX account to the credit bureaus and attempting to validate the debt using only a statement not a signed agreement, nor a full chain of title. 

Their XX/XX/XXXX response states the account originated with XXXX in XXXX and was charged off in XXXX. They also claim to be reporting accurately, but they have not met the validation standards under FCRA Sections 605 ( a ), 611 ( a ), and 1681e ( b ). Specifically : They failed to provide a signed contract proving I owe LVNV or Resurgent anything. 

The address used on the XXXX statement does not match my address, which is evidence of inaccurate reporting. 

Additionally, LVNV Funding is not licensed or bonded to collect debts in Georgia, which is required by state law. Therefore, their collection activities in my state are unlawful. Their statement that they comply with licensing requirements in each state is not backed by any evidence of a Georgia license or bond. This is a state law violation. 

Their failure to provide a proper validation, incorrect address reporting, and collection activity without state licensing is damaging my credit and financial standing. This account should be permanently deleted from all credit bureaus. 

I request the CFPB to take enforcement action and require deletion of the LVNV/Resurgent account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2025-04-30 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: GA

Complaint narrative:
This is my second and final formal dispute notice regarding inaccurate and inconsistent reporting on my credit file. You were notified previously and provided with supporting documentation. Your failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. is unacceptable and now borders on willful misconduct. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to ensure all information reported is complete and accurate. Furthermore, under 15 U.S.C. 1681i ( a ), you are obligated to conduct a reasonable and timely reinvestigation when a consumer disputes information. You have failed on both fronts. 

The following accounts continue to reflect serious reporting discrepancies across XXXX, XXXX, and TransUnion : XXXX Acct # XXXX Reporting different dates of last activity and last payment across bureaus. This is a direct violation of the FCRAs accuracy requirement. 

XXXX XXXX XXXX Acct # XXXX Inconsistent reporting of date of last activity and date of last payment between bureaus. 

XXXX Reporting discrepancies include : account number, date of last activity, and date of last payment. This data is not only inconsistent but unverifiable based on your current records. 

Georgia XXXX XXXX Accts # XXXX and # XXXX Both accounts reflect incorrect dates of last activity, and your failure to correct this after prior notice is legally indefensible. 

XXXX XXXX Acct # XXXX Conflicting date of last activity and date of last payment remain on file despite prior dispute. 

These errors are not minor they materially affect my creditworthiness and violate my rights under federal law. 

You now have 15 days from receipt of this letter to : Reinvestigate each disputed item, Remove or correct any inaccurate or unverifiable information, and Provide me with written confirmation of all actions taken. 

Failure to comply will leave me no choice but to initiate the following : A report to the Georgia Attorney Generals Office, and Civil litigation under 15 U.S.C. 1681n and 1681o, seeking actual and punitive damages, plus attorney 's fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: NJ

Complaint narrative:
I received a cash app credit card in the mail. I never opened the account. I called to cancel the account and I was told that they email me and that I could not speak to the fraud department. They took my email which was very shady and have been sending me emails asking personal questions like has anyone ever lived in my house before, my name and pictures of the card. I want this card cancelled because apparently someone is committing fraud with my name. There is a fraud department for every CC and they speak with you live to cancel your card ASAP. This card is still not cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
On XX/XX/year>, I submitted a written request to TransUnion asking for documentation related to its handling of my identity theft dispute concerning a fraudulent account reported by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Specifically, I requested : The method of verification used to determine the accuracy of the disputed account, The name and address of the data furnisher, and Any documentation or records explaining how my dispute was investigated, as required under FCRA 611. 

As of today, TransUnion has not provided any of the requested information. 

On XX/XX/year>, I submitted a follow-up dispute regarding the same fraudulent account, which was once again verified as accurate by TransUnion that XXXX day. In light of this second rejection, I am now formally renewing my request in writing for all documentation related to this most recent dispute, including a description of how the dispute was investigated and verified. 

This continued lack of transparency violates my rights under FCRA 611 and 605B and prevents me from understanding how the investigation was conducted and on what basis the disputed item was verified. I am requesting that the CFPB investigate XXXX refusal to provide this legally required information and compel them to respond in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report for my mortgage history XXXX and XX/XX/year> while applying for a mortgage and noticed that my payments were being reported as late which isnt true ( see XXXX XXXX  pay history ) XXXX contacted the consumer reporting agencys and no one could prove that I had been late for the above mentioned payments ( XXXX XXXX who is a joint owner on the account shows our mortgage as being paid on time which is confusing in itself, see attached ). Im now requesting that you investigate and provide verifiable proof with records showing that I had late payments in XXXX and if that cant be done, Im respectfully requesting my credit report be updated immediately to reflect my updated status and the deletion of the late dates which arent true or accurate in violation of the FCRA.Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I am writing to formally dispute a {$2000.00} withdrawal from my checking account at Citizens Bank, which occurred approximately XXXX month after I made a deposit on XX/XX/XXXX. I believe this transaction was made in error, and I am requesting a full review of the incident. 

On XX/XX/XXXX, I deposited {$4700.00} into my checking account in person at one of your branches. The deposit included both cash and checks. During the transaction, the teller placed the funds into a counting machine and initially provided me with a receipt for only {$2700.00}. I immediately informed the teller that this amount was incorrect, as I had deposited {$4700.00}. The teller apologized, took the receipt and the funds back, and reprocessed the deposit using the machine. This time, the correct amount of {$4700.00} was registered, and I was given a receipt confirming the deposit. I still have this receipt, along with all related documentation. 

However, about a month later, on XX/XX/XXXX, {$2000.00} was withdrawn from my account by the bank, with the explanation that one of the checks I deposited was not intended for me. I want to clarify that I did not attempt to deposit a check that did not belong to me. It is possible that a mistake occurred during the initial counting or deposit processeither a check meant for another customer was accidentally included in my deposit, or one of my checks was misattributed. 

I am requesting access to the video surveillance from XX/XX/XXXX, that clearly shows the transaction at the teller window. This video would help confirm the amount I deposited and support my claim that I did not act improperly. So far, I have not received any concrete evidence from the bank justifying the {$2000.00} deduction, and I believe it is unfair to hold me responsible without showing clear proof. 

I respectfully request that this issue be reviewed in full and that I be provided with the video footage and any documentation used to justify the {$2000.00} deduction. Until then, I ask that the funds be reinstated in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: OK

Complaint narrative:
I noticed a collection appear on my account on XX/XX/scrub>/2025 by collection company XXXX XXXX XXXX for original creditor of XXXX XXXX FOR ACCOUNT in the amount of {$2700.00}. I immediately disputed it with Experian on XXXX2025 by XXXX2025 the dispute investigation was already completed. However in the results Experian did not inform me on how they validated the account belonged to me. Within 7 days, Experian responded stating the account would remain but did not provide a specific explanation or documentation supporting the validity of the information. I believe this violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which requires them to provide written results of the reinvestigation and the method used to determine the informations accuracy.

Furthermore, I believe the investigation was not reasonably conducted. I am requesting that the CFPB ensure Experian provides a full explanation, underlying documentation from the furnisher, and conducts

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