vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I have verified that Equifax has violated my consumer rights and Subsection 605B for victims of identity theft. I sent Equifax and other credit agencies all the necessary information to investigate my claims for identity theft, including my license, bank statement, FTC & police report, and list of accounts under identity theft. When I contacted Equifax about inaccurate personal information reported on my credit report ( name and address ), they did not investigate my claims. When I contacted the creditors about this account, they stated that they do not handle credit reporting and that I need to dispute it with the credit reporting agency. The creditors informed me that they can not provide information about the account because it's not mine. Equifax has consistently avoided investigating my claims, as they believe the CFPB will not pursue the matter and that I will not pursue litigation for violations of my consumer rights. Recently, Equifax denied investigating my identity theft claim, citing that it is frivolous. I have filed disputes against Equifax and can verify that they do not investigate disputes, as evidenced by my having filed six disputes related to personal information, including identity theft claims. Equifax has violated my consumer rights, and I demand that the CFPB file a class action suit. I have filed this by mail, online, and by speaking to a representative. This is a blatant disregard for consumer rights and for consumer protections. Attached are all of their stall letters, the denial of investigations, my certified mailing receipts, their response after receiving my documents, and all the evidence to show that they have not done an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
On XX/XX/XXXX I fully paid off the debt owed by XXXXXX/XX/XXXXhrough XXXX XXXX XXXX XXXX XXXX 

Per my conversation with : XXXX XXXX, XXXX at XXXX, she advised that this debt was settled in XXXX and was to be removed completely from all credit agency reports.XX/XX/XXXXhave removed such reports, but TransUnion refuses to do so. This is causing me undue stress and financial harm. 

I wish to file a formal complaint against TransUnion XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX because of their negligent actions. 

I am filing a formal complaint against TransUnion with the XXXX Police Department, Consumer Financial Protection Bureau ( CFPB ) and the Arizona State Attorney Generals office and the Federal Trade Commission ( FTC ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
After receiving a copy of my credit report, I saw several inaccurate items. Im exercising my right to have an accurate and fair consumer report pursuant to 15 USC 1681a ( 1 ). YOU ARE IN DIRECT VIOLATION OF THE FCRA, the inaccurate items listed below still remain on my credit report in violation of Federal Law. 
Your Company continues to report inaccurate personal information and with your refusal to delete INACCURATE & Invalidated information from my consumer file is Defamation and causing me Financial Injury. This is my last attempt to peacefully resolve the issue. From my research : YOU ARE IN VIOLATION OF 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance My Correct Address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The addresses listed below are Incorrect and Undeliverable to Me DELETE IMMEDIATELY : The following addresses are Wrong : DELETE AND UPDATE TO MY CORRECT ADDRESS ABOVE. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> DELETE ALL EMPLOYMENT LISTED AS IT IS NOT REQUIRED! 

I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED!

Attached is a copy of my Drivers License, Social Security Card and Light Bill Letter for Proof of Identity my with current correct address. This is the ONLY address that should be listed on my consumer report. I demand the following changes be made to allow my consumer report to be reporting maximum accuracy under 15 USC 1681e ( b ). Thanks for Your Immediate Response into this Matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
About a month ago, my cryptocurrency account with a company called XXXX was compromised by hackers. Not only did they steal all of my crypto assets, but they also gained access to my linked debit card the same card I used to transfer funds between XXXX and my U.S. Bank account. 

Using this debit card, the hackers withdrew approximately {$5500.00} directly from my bank account. 

Upon discovering the fraud, I immediately contacted U.S. Bank, who assured me they would stop the unauthorized activity and temporarily restored the stolen funds while they investigated. I also filed reports with the local police and the FBI. 

However, this morning I was shocked to learn that U.S. Bank reversed their provisional credit and sided with XXXX, claiming the transactions appeared to be authorized. I was told I now need to take it up with XXXX directly a company that has so far been unresponsive to my attempts at resolution. 

I escalated the matter to a higher department within U.S. Bank, but was told there is nothing more they can do for at least 10 more days, and that I essentially have no other recourse. 

After 40 years of loyal banking with U.S. Bank, I feel completely abandoned. I'm a victim of sophisticated fraud, yet the burden has been shifted to me despite timely reporting, documentation, and proactive action. 

Im requesting the CFPB 's help to : Reopen this case with U.S. Bank XXXX XXXX accountable for allowing a breach of this magnitude Assist in recovering my stolen funds Please note that I have filed a report with my local Police Department and also the FBI. 
Thank you for your time and any help you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX FCU Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated Mt federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

Account # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete item of information from the file of consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been notified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
The information involved several credit card and loans that are not mine, I have sent in information to this effect serval times and a police report I have not received a response - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
The information involved several credit card and loans that are not mine, I have sent in information to this effect serval times and a police report I have not received a response 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a compliant against Cash App ( Block , Inc. ) due to an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
Accounts that dont belong to me are reporting on my credit report. Please see attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
SUBJECT : Urgent Dispute of Inaccurate XXXX Collection Reported to TransUnion via XXXX COMPLAINT : To Whom It May Concern, My name is XXXX XXXX, and I am filing a formal complaint against TransUnion and the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding a fraudulent XXXX XXXX collection account that is currently being reported on my TransUnion credit report. 

Account Information : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$760.00} Reporting Party : XXXX ( as data furnisher to TransUnion ) XXXX Confirmation Number : XXXX On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and they confirmed the balance was reported in error. I returned the device associated with the account, and XXXX assured me the balance would be updated to {$0.00}. I have provided all relevant documentation, including : A copy of my valid government-issued ID Proof of return Payment confirmation Written confirmation from XXXX referencing this dispute ( Confirmation # XXXX ) Despite these facts, TransUnion continues to report the account, which is : Inaccurate, in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ) Non-compliant with Metro 2 guidelines, which prohibit the furnishing of unverifiable or obsolete data Materially harming my creditworthiness, especially as I seek critical business credit and financing I am urgently requesting : Immediate deletion of this XXXX XXXX account XXXX my TransUnion credit file A full CFPB investigation into the reporting practices of XXXX and TransUnion Written confirmation once the account has been removed This is a time-sensitive matter, and I am requesting your immediate assistance to ensure compliance with federal law and restoration of the accuracy of my credit profile. 

Thank you for your time and prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation