vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute Account Name/Number : [ XXXX XXXX ] Nature of Dispute : [ Account date opened, last date reported and date last active is not accurate ] I believe this information is inaccurate for the following reasons : [ TransUnion date open is reported as XX/XX/XXXX and Experian open date is reported as XX/XX/XXXX ]. 

Legal Basis for Dispute Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy.

2. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly.

Furthermore, case law has clarified the duties of CRAs in disputes : - XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by 15 U.S.C. 1681e ( b ). 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 
Request for Resolution I request that you : 1. Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ).

2. Delete or correct any inaccurate or unverifiable information.

3. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information.

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I Just recently started getting letters from companies that I do not know and sending me account balance that I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Ive recently filed a complaint with XXXX. Per their recommendation, I pulled all three of my consumer reports and found damning evidence of illegal reporting. They only reported to XXXX and XXXX. Under the FCRA and industry reporting standards lenders and services must include accurate and complete information. Key required fields are as follows : Date Opened Original Balance Current Balance Credit Limit Payment History Current Account Status Date of Last Payment Date of First Delinquency Date Last Active Charge-off Date ( where applicable ) Collection Status According to these consumer reports, your agency is in violation of SEVERAL FCRA guidelines. The information furnished to XXXX includes none of the required data points per the FCRA. Furthermore, youve reported i have made payments for YEARS that i have no knowledge of. 
Upon inspection of the XXXX reports, you failed to furnish several data points per the FCRA and furnished inaccurate information regarding the Date of Last Reported Update ( XX/XX/XXXX ) I have not made any legitimate activity that would require you to report this information to the CRAs. Even more egregious is the Date of Last Payment is reported as XX/XX/XXXX. I did not make a payment nor am I aware of who made that specific one or any of the others preceding it. Attached are copies of this illegitimate account I pulled directly from the credit bureaus.

I am asking for this erroneous account be deleted and Im seeking monetary relief for each and every inaccuracy your company furnished to the CRAs over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
On XX/XX/year>, I checked my XXXX credit report and noticed a collection account from Jefferson Capital Sys on behalf of a XXXX  Card. I never received any notice or letter in the mail about this debt. I ask that they provide proof that certified notice was sent to me for this debt pursuant to the FCRA or please remove immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting inaccurate information. They have reported late payment past 30 days delinquent and have not have made any attempt to contact me. I have autopay set up on this account and have proof that they have been taken out a payment every 30 days. I would like for Bank of America to remove the 30 day late from my credit history. The creditor information is Customer Service Information : www.bankofamerica.com XXXX Mail billing inquiries to : Bank of America XXXX XXXX XXXX XXXX TX XXXX Mail payment to : Bank of America XXXX XXXX XXXX XXXX DE XXXX The account number is Account # XXXX XXXX XXXX XXXX for XXXX XXXX XXXX They can look through their records and see that they have consistently have taken a payment every 30 days through auto pay. Any help to rectify this problem would be greatly appreciated Thank you XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
This is to inform you that you have failed to maintain fair and accurate credit reporting which is a total disgrace. I know my rights as a consumer and the Fair Credit Reporting Act 602. Congressional findings and statement of purpose ( 4 ) clearly state that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 2025-03-02 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I recently discovered that an account was fraudulently opened in my name by an identity thief. The account with XXXX XXXX XXXX was opened without my authorization. According to my credit report, this fraudulent account was opened in XX/XX/XXXX, but I only discovered it in XX/XX/XXXX. The account is currently in collections, negatively impacting my credit profile. 
I have attached my FTC Identity Theft Report ( Report # XXXX ), confirming that I am a victim of identity theft. This fraudulent account was opened without my knowledge or consent. 
I have previously attempted to dispute this fraudulent account with the credit bureaus and the creditor, but it remains on my credit report. 
Summary of the fraudulent account : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

Complaint narrative:
I recently discovered that an account was fraudulently opened in my name by an identity thief. The account with XXXX XXXX XXXX was opened without my authorization. According to my credit report, this fraudulent account was opened in XX/XX/XXXX, but I only discovered it in XX/XX/XXXX. The account is currently in collections, negatively impacting my credit profile. 
I have attached my FTC Identity Theft Report ( Report # XXXX ), confirming that I am a victim of identity theft. This fraudulent account was opened without my knowledge or consent. 
I have previously attempted to dispute this fraudulent account with the credit bureaus and the creditor, but it remains on my credit report. 
Summary of the fraudulent account : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: GA

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
There are multiple addresses on my credit report the address is XXXX XXXX XXXX XXXX, LA XXXX it appears multiple times on my credit reports and I would like the address to appear once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Friday XXXX XXXX XXXX  I receive an email stating that my direct deposit is being reversed because my SoFi account is frozen. This same day I call the number provided and ask why theres a freeze in my account. The only response I was given is that the internal department is investigating the account and all transactions that have occurred in the account & to check back tomorrow. 

Saturday XX/XX/year> I call the same number to inquire about the the frozen account. I receive the same response that the internal team is reviewing the account. I then ask to speak to someone on the internal team and they stated that Im unable to do so. I then ask for a timeframe on the freeze in the account and they werent able to give an estimate. They stated that theyd have a manager contact me later today. No one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: AL

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 2025-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My information was shared without my permission through other company during the data breach under the FRCA act my information cant be shared without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

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 non-monetary relief
Consumer complaint received 2025-03-02 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: ND

Complaint narrative:
In XX/XX/XXXX XXXX XXXX I had issues with cash app and my account got stolen from me and {$2400.00} literal identity theft I complained I called I chated provided all informI made a new account only to get that one shut down and no access to my {$1800.00} customer service treated me as if it was my fault and kept giving me the run around I have went on the settlement website and Im not part of it cash app blog or page for that is bogus just enough fluff to subside the cfpb anyone that tries to fill out the settlement stuff gets all the way to the end then it doesnt allow it to be submitted Ive tried over and over again and so have lots of other XXXX off customers you may not do business like that now but why cant I submit my claim and why is customer service still running people around if you read the screen shots Im providing you will find that I gave cash app customer support everything they requested which is exactly what the settlement page asks for aswell its still a fraud and as far I can tell all my money was taken out via XXXX and this all happened from XXXX XXXX XXXX  in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation