vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
TransUnion is currently reporting a charge-off account associated with XXXX XXXX XXXX XXXX XXXX Account # : XXXX ), dated XX/XX/scrub>/2022, with a reported balance of {$7800.00}. I am formally disputing the accuracy and completeness of this entry, especially given that the account was recently reinstated by the creditor, which significantly changes the nature of the account and its reporting eligibility. 

A charge-off implies that the creditor has deemed the debt unlikely to be collected and has written it off as a loss. However, in this case, the creditor has reinstated the accountan action that directly contradicts the definition and standing of a legitimate charge-off. Continuing to report it as a charge-off misrepresents the current status of the account and fails to reflect updated and material changes that directly impact my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to report only accurate and verifiable information. Per 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the data they furnish. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a dispute is initiated, the credit bureau must conduct a timely and reasonable reinvestigation of the item. If it can not verify the information or the data has changed materiallysuch as a reinstatementit must be corrected or deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

As of now, no documentation has been provided by TransUnion or XXXX XXXX to support the continued classification of this account as a charge-off, despite its updated status. Reporting this account as a charge-off when it has been reinstated is deceptive, misleading to creditors, and unlawfully damaging to my credit profile.

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portnoy Schneck, L.L.C.
State: NY

Complaint narrative:
Receive notice from my bank XXXX XXXX - that there was judgement that will cause a possible cause garnishment from my account. After some checking it seems a Collection agency - Law form XXXX XXXX, XXXX on the behalf of XXXX XXXX  XXXX XXXX, XXXX. obtain a Judgement against me unbeknownst to me. I checked all three of my credit reports chatted with agents and they also confirmed that there are no record of I owing XXXXXXXX XXXX XXXX Nevada or having a credit card from them. 

I then called the Collection agency who told me I should go to the local Precinct and report on identity thief. My concern is along with the report they want me to sent very personal information such as my social securty and pension award letters/ info. in order to clear up the situation. This simply does not feel right to me. I do not know them and I was never contacted prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXX Balance : {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On Monday XX/XX/year>2025, I received a statement in the mail from XXXX XXXX XXXX stating that I owed {$3300.00}. I contacted XXXX XXXX XXXX to inquire about this statement. I asked them what their company provided and why did I receive this statement, because I was not familiar with their company nor have, I ever done business with them. It was explained that they do cash loans and lease to own agreements. They explained that furniture was ordered from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX. I explained that I have never done business with this furniture company and did not purchase anything from them. I never received any merchandise from XXXX XXXX XXXX XXXX. I explained that someone used my personal information to open up this account and sign a contract on XX/XX/year>2025. This is identity theft. Someone used a previous phone number and bogus email to start this account. Also, the bank account used through XXXX  XXXX XXXX was fraudulent. The contract was docu signed fraudulently. I have submitted a dispute to XXXX XXXX XXXX fraud department. I have contacted the three credit bureaus to file a dispute ( Trans Union, XXXX and XXXX  ) and to place security freezes on my reports. I have also contacted XXXX XXXX, which is a credit reporting agency that XXXX XXXX XXXX uses to dispute this charge and account and placed a freeze on that report as well. This fraudulent account with XXXX XXXX XXXX appears on my reports with Trans Union and XXXX XXXX. I have filed a police report with my local district and also filed a Identify theft report with the Federal Trade Commission. I am requesting that this account with XXXX XXXX XXXX be investigated, closed and removed from my credit reports with Trans Union and XXXX XXXX because I do not owe them any money. Please let me know if any additional information is needed.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On Monday XX/XX/year>2025, I received a statement in the mail from XXXX XXXX XXXX stating that I owed {$3300.00}. I contacted XXXX XXXX XXXX to inquire about this statement. I asked them what their company provided and why did I receive this statement, because I was not familiar with their company nor have, I ever done business with them. It was explained that they do cash loans and lease to own agreements. They explained that furniture was ordered from XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, PA XXXX. I explained that I have never done business with this furniture company and did not purchase anything from them. I never received any merchandise from XXXX XXXX XXXX XXXX. I explained that someone used my personal information to open up this account and sign a contract on XX/XX/scrub> 2025. This is identity theft. Someone used a previous phone number and bogus email to start this account. Also, the bank account used through XXXX  XXXX XXXX was fraudulent. The contract was docu signed fraudulently. I have submitted a dispute to XXXX XXXX XXXX fraud department. I have contacted the three credit bureaus to file a dispute ( XXXX XXXX, XXXX  and Experian ) and to place security freezes on my reports. I have also contacted XXXX XXXX which is a credit reporting agency that XXXX XXXX XXXX uses to dispute this charge and account and placed a freeze on that report as well. This fraudulent account with XXXX XXXX XXXX appears on my reports with XXXX XXXX and XXXX XXXX I have filed a police report with my local district and also filed a Identify theft report with the Federal Trade Commission. I am requesting that this account with XXXX XXXX XXXX be investigated, closed and removed from my credit reports with XXXX XXXX and XXXX XXXX because I do not owe them any money. Please let me know if any additional information is needed.

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 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt is not mine and was removed by XXXX  and XXXX. Under FCRA 607 ( b ) & 611 ( a ) ( 5 ), I request Experian remove it. Continued reporting is inaccurate, and I will escalate to the CFPB.

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 2025-06-12 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I've recently received a copy of my credit report ad noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I mailed a Certified Letter with Return Receipt to Citibanks Executive Response Unit at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, inquiring about a XXXX judgment that still appears in public databases and background reporting systems such as XXXX and XXXX. 

The judgment was filed in XXXXXXXX XXXX XXXX on XX/XX/XXXX, naming Citibank NA as the plaintiff, and showing an amount of {$8200.00}. 

In the letter, I requested : Confirmation that Citibank still owns or manages the debt Proof of whether the judgment has been satisfied, transferred, or released Evidence of updated communications with public reporting systems XXXX tracking number XXXX confirms that the letter was delivered. As of XX/XX/XXXX, I have received no acknowledgment or response. 

This unresolved judgment continues to appear on background and risk reports, causing harm and confusionespecially when its validity, ownership, and satisfaction status are unclear. 

I am requesting that the CFPB compel Citibank to : Provide a full verification of the current status of the judgment Notify relevant databases if the judgment has been satisfied or transferred XXXX whether Citibank still has a legal interest in this debt

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 2025-06-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit on my citi bank account. I received notification stating my funds will be available XX/XX/XXXX. On that day I opened my mobile account and noticed the account was blocked. I immediately called Citi Bank to understand the reason for the block. At first the lady told me it was because of the check and to call back in XXXX hrs. I call back and now another woman told me it was not the check but they were not able to verify my identity through my phone number in their XXXX party verification system called nexxus. So I was transferred to another person. Her name was XXXX and she told me she would send me a letter of verification to my home address and then once I receive that I would Provide a reference number then go through security questions over the phone. I then waiting knowing it was memorial weekend and the letter probably wont come until Tuesday or Wednesday the latest. I waited for the letter and nothing. So I called again the lady I talked to said that they are still not able to verify my phone number because its not registered in my name and in order to unblock the account I need a phone number in my name. I provided my cell, XXXX number, XXXX XXXX number and still wasnt able to be helped. I then called my mobile carrier to ask them for help to see if there is any possible way they can fix it. After talking to my mobile carrier she said everything is in my name and suggested I take my mobile statement into the branch and see if they can help me. So thats what I did. I went into the branch not far from my house and the teller tried to help them I met with the branch manager who also seemed frustrated and mind blown about the situation. After spending almost an hour on the phone with the Citi bank fraud department the branch manager was able to get it escalated for me and get their back office emailed about the situation. This was on a XXXX  and the manager from the fraud department XXXX told me to call back XXXX. Here comes XXXX I call and the lady says call XXXX I call XXXX and the lady says wait XXXX. I called Thursday ( today ) and still no response from the back office. Its going on a month now Ive been dealing with this and its stressful especially because all of this happened during the time I was getting married. I dont know what else to do at this point.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 and 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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I previously logged a complaint for BOA reducing my credit limit in XXXX. This year BOA reduced the credit limit again after the card had been paid off for nearly 10 months. No additional issues have occurred to cause my limit to be reduced. No negative credit impacts or anything else.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-12 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: LA

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are also fraudulent addresses on my credit report. Please see FTC 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 explanation