vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance 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 2025-04-11 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate and Misattributed Information on My Equifax Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning multiple inaccuracies on my Equifax credit report, which appear to result from a mixed file error involving another individual named XXXX XXXX. These inaccuracies include accounts, inquiries, and an address that do not pertain to me. 

Disputed Information Not Belonging to Me : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Accounts : XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXX {$4300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts That Should Be Reporting on My Equifax Credit Report : XXXX XXXXl {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX  {$0.00} These accounts are accurately reflected on my XXXX credit report, which I have enclosed for your reference. 
Legal Basis for Complaint : Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to credit reports that are accurate and pertain solely to their credit history. The inclusion of another individual 's information violates the FCRA 's requirement for " maximum possible accuracy '' in credit reporting. 
Requested Action : I respectfully request that the CFPB : Investigate Equifax 's procedures that led to the inclusion of inaccurate information on my credit report. 
Ensure that Equifax conducts a thorough reinvestigation of the disputed items and permanently removes all information not associated with my credit history. 
Confirm that only accounts and inquiries verifiably linked to me are reported on my credit file. 

Provide written confirmation of the corrections made to my credit report. 

Enclosures : Copy of my XXXX credit report highlighting accurate accounts. 
Copy of my Equifax credit report with disputed items indicated. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT XXXX  RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: USCB Corporation
State: NC

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 explanation
Consumer complaint received 2025-04-11 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: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is re-reporting a previously removed address in violation of the FCRA. 

On XX/XX/year>, LexisNexis provided a written response to CFPB Cases # XXXX, # XXXX, and # XXXX confirming they removed eleven ( XXXX ) addresses from my consumer file. XXXX of the removed addresses was : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, in my LexisNexis Consumer Disclosure Report dated XX/XX/year>, this same address reappeared as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The formatting differs slightly, but it is the same physical location. This reappearance occurred only XXXX days after LexisNexis confirmed its deletion. 

I did not receive any notice that the address was reinserted, which is required under FCRA 1681i ( a ) ( 6 ). LexisNexis is now : Violating FCRA 1681i ( a ) ( 5 ) by re-reporting disputed information they previously agreed to remove Violating FCRA 1681i ( a ) ( 6 ) by failing to notify me in writing within five business days of reinsertion Violating FCRA 1681e ( b ) by failing to ensure maximum possible accuracy Misrepresenting to both me and the CFPB that this information was removed when it was quietly reinstated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IN

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 2025-04-11 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:
XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : 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 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 Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDICO. INC
State: SD

Complaint narrative:
I received a certified letter in the mail from Credit Collections Bureau stating they are going to garnish my wages for a debt that is {$14000.00}. I was completely unaware that I even had a judgment. I went to courthouse and got a list of judgments and the only one from Credit collection bureau I have is now b here near the amount of {$14000.00}. I called them and spoke with a XXXX XXXX  whom was rude to begin with, didn't answer any of my questions and when I asked to verify the debt he just asked " were you not aware the XXXX was for you? '' I feel like my hippa rights were violated and I have not received any information stating this debt is solely mine. He also sent my job wage garnishment paperwork without my knowledge until recently. I am furious and feel wrongfully attacked. I was unaware of this garnishment or that there was even a court date in which he did state that it was back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MA

Complaint narrative:
USBank arbitrarily closed my accounts and is refusing my request to cash out rewards that I have earned. These are the accounts in question with the reward amounts : XXXX {$5.00} XXXX {$930.00} XXXX {$8.00} USBank sent me requests for identity verification. Even though they received the documents, they closed the accounts anyway. Despite several promises to send letters explaining the decision, they still have not done so. They are now claiming they don't have to pay me the rewards because the accounts are closed. They have not claimed that I've done anything wrong. They simply closed the accounts so that they could steal the rewards from me.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX  I called XXXX, XXXX at XXXX to affect my rights to dispute inaccurate and incomplete information upon my credit report maintained by their offices. 

I spoke with XXXX and was given the case number XXXX. I logged in to their system to obtain a credit report number for her to secure my report, at which time she informed me that she could not start a dispute as the only manner was online or in writing with me providing her employer with a copy of the report with my disputes. 

I requested that she provide me with the law under USC to places this burden upon me, as I have a right to dispute inaccurate information but they hold a legal duty to report accurate information.

I requested the matter be escalated to speak to her supervisor to remedy this matter as to resolve all issues, but was informed her supervisor would have to call me back at a later date and time.

Additionally, the reported information has clear and visible errors in its details which should be available for dispute once she had a report number to access that file. Again there are no laws in State of Federal codes requiring me to obtain their report, print it off, mail it to them, when they have immediate digital access to it. This is clearly a stall tactic to deprive me of a reasonable dispute process to remove incomplete and inaccurate 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 2025-04-11 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 am submitting this formal complaint regarding inaccurate and harmful information being reported by TransUnion on my credit report. 

TransUnion is currently reporting a collection account in the amount of {$1200.00} from XXXX XXXX XXXX, allegedly connected to XXXX XXXX Bank. I am writing to dispute this reporting, as I have no knowledge of this debt and have never held any account with either XXXX XXXX  or XXXX XXXX XXXX related to this amount. 

Attached to this complaint is a letter from XXXX XXXX XXXX clearly stating that there is no record of any account or collection activity associated with my name or Social Security number in their office. This letter confirms that the account should not exist and should never have been reported to any of the credit bureaus. 

As such, I am requesting the immediate deletion of this erroneous collection account from my TransUnion credit report, and ask that the CFPB take appropriate action to ensure that TransUnion complies with the Fair Credit Reporting Act ( FCRA ) by only reporting accurate and verifiable information. 

Included with this complaint : The letter from XXXX XXXX XXXX confirming no record of any account in my name A copy of my TransUnion credit report showing the disputed entry Thank you for your time and assistance. I look forward to your prompt resolution of 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 2025-04-11 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: TX

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

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 2025-04-11 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: TX

Complaint narrative:
Experian I am requesting that Experian delete, block, and remove XXXX XXXX  from my credit report I am victim of identity theft. I have disputed this item with all three bureau and Experian is the only one to yet delete it off of my report. I have contacted Federal Trade Commission 's and filed a FTC report ( XXXX ). 

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting go the information below. 

identity theft. 
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 2025-04-11 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: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX  for {$14.00} and I never received the item. Made a dispute with Cash App and they took the info and did nothing. I then kept calling until they told me my dispute was denied. I asked for proof they spoke to the company that ripped me off 3 times with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
There are fraudulent items on my credit report that I did not authorize, initiate, or benefit from in any way. These accounts and transactions are the result of identity theft and represent a serious violation of my privacy and financial security. I took immediate action by filing a formal report with the Federal Trade Commission, yet despite this, the fraudulent entries remain on my credit report. 

This failure to remove clearly unauthorized information is unacceptable and continues to cause ongoing harm to my financial standing and peace of mind. I am demanding immediate removal of all items tied to this fraud. Delaying resolution any further is not only unjust but a breach of my rights under federal law. This matter requires urgent and decisive action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: SC

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX, XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is no way to contact the company to correct issues. Customer service is constant automated service and when connected to representative they put you on hold and disconnect you. AI chat box is not helpful. Email addresses never respond. It is impossible to reach anyone at the company to dispute incorrect data. It is negatively affecting my credit report and I can not get a mortgage.

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 2025-04-11 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:
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 XXXX 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security numberXXXX My correct address is:60 XXXX XXXX XXXXFloridaXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief