vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX ) I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
During our relationship, we frequently used Zelle for personal support and shared expenses. After our breakup, tensions escalated, leading to multiple small back-and-forth transactions, sometimes as low as {$0.00}, accompanied by memos reflecting the emotional and financial disputes at the time. These were immature, but personal communications, not fraudulent transactions. 

At one point, to finalize what was left owed, XXXX sent a Zelle request for {$770.00} as a final payment memo to close out the relationship financially. I fulfilled this amount as part of our agreement to resolve any outstanding support. However, following that, I received a Zelle request from her for {$20000.00}, which I believe was an accidental entry likely intended to be {$2000.00}, as it did not match any discussions or agreements between us. It was cancelled by her and nothing of that amount was exchanged afterwards. 

These transactions were entirely voluntary and between known parties. I have no history of fraud or unauthorized activity. However, I believe the unusual frequency of small transfers and memos, combined with the mistaken {$20000.00} request, may have triggered Zelle/EWSs security flags, resulting in the restriction on my account. 

I attempted to resolve this through XXXX XXXX, including filing a CFPB complaint. XXXX XXXX informed me they can not reverse the restriction, as it was placed by Zelle/EWS. 

I respectfully request a review and reconsideration of my account restriction. These were personal, consensual exchanges between me and someone I knew, not fraudulent or malicious activities. I rely on Zelle for legitimate personal use and have been unfairly penalized by this misunderstanding. 

Thank you for your time and attention. 

The XXXX XXXX CFPB Complaint ID # : XXXX I have also attached the resolution letter from XXXX XXXX where they address why theyre unable to help me reinstate my Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I was affected by the data breeches that happened with trans union, equifax, and experian. I by law have the right to have accurate and fair reporting on my consumer report and by law I also have the right to have my privacy protected, these companies have violated both of those rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I was affected by the data breeches that happened with trans union, equifax, and experian. I by law have the right to have accurate and fair reporting on my consumer report and by law I also have the right to have my privacy protected, these companies have violated both of those rights

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Tried to remove this inaccurate information. Nothing has happen. I know nothing of this debt. Enough emotional/financial damage has been done LVNV Funding LLC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app closed my account after allegedly violations of terms of service with I requested verification of the alleged violations also I loss money by not having the account the FDIC insurance policy would be responsible for any errors not the account user these all are human rights violations self autonomy violations indigenous rights violations me being Moroccan this violates the tripolateral principles of the XXXX XXXX XXXX XXXX and several other XXXX and XXXX treaties we must come to a profounding and diplomatic standpoint of international law conducting business please pay for the damages within the next 24 hours or a lawsuit will be filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX has been harassing me with this debt that does not belong to me. I have tried to dispute this and they have not provided any information that the debt is mines. I know that this is illegal and would like the debt removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX ; Under the Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Under the Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Under the Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX XXXX XXXX XXXX ; Under the Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Opened On : XX/XX/XXXX XXXX ACCT ; Under the Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). 

These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$680.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$3000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$490.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$450.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$430.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX Date XXXX XXXX XXXX

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

Complaint narrative:
Company shared my account information without my consent! This action is a clear violation of my consumer rights according to USC15 1681b permissible laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX * * Please Investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/XXXX OR XXXX 2022 A WHOLE MORTGAGE WAS ON MY REPORT AND THEY TOOK MONTHS TO DELETE IT FINALLY IT TOOK OVER A XXXX POINTS FROM ME AND I WAS JUST ABOUT TO START GETTING PRE approved for homes THIS PUT ME IN A BIND BECAUSE I COULDN'T USE ALL MY GRANTS FOR FIRST TIME HOME BUYERS ETC, ALSO I WAS INCLUDED IN THE EQUIFAX DATA BREACH I MADE A CLAIM WITH THEM AND I CALLED EVERY OTHER WEEK AND THEY KEPT TELLING ME I DIDN'T NEED TO DO ANY THING FURTHER THEY HAD ALL THE INFO THEY NEEDED TO PAY ME OUT, THEY LIED THE FINAL TIME I CALLED THE LADY TOLD ME THEY MAILED A LETTER AND I DIDNT RESPOND BUT I GET INFORMED DELIVERY THROUGH XXXX EVERY DAY A EMAIL WITH PICTURES OF EVERY PIECE OF MAIL THAT COMES TO MY ADDRESS AND. NOT ONE LETTER NOT 1 THEY SCREWED ME OVER AFTER ME AND MY KIDS WHOLE LIVES HAVE BEEN XXXX DOWN SINCE THAT BREECH TONS OF FRAUD ACCOUNTS TAKES ME MONTHS EVEN YEARS TO GET THEM TO FINALLY HEAR ME AND MAYBE REMOVE IT BUT THEN THEY JUST ADD ALLLLL OF THEM BACK A FEW MONTHS LATER THIS IS CRAZY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/XXXX OR XXXX 2022 A WHOLE MORTGAGE WAS ON MY REPORT AND THEY TOOK MONTHS TO DELETE IT FINALLY IT TOOK OVER A XXXX POINTS FROM ME AND I WAS JUST ABOUT TO START GETTING PRE approved for homes THIS PUT ME IN A BIND BECAUSE I COULDN'T USE ALL MY GRANTS FOR FIRST TIME HOME BUYERS ETC, ALSO I WAS INCLUDED IN THE EQUIFAX DATA BREACH I MADE A CLAIM WITH THEM AND I CALLED EVERY OTHER WEEK AND THEY KEPT TELLING ME I DIDN'T NEED TO DO ANY THING FURTHER THEY HAD ALL THE INFO THEY NEEDED TO PAY ME OUT, THEY LIED THE FINAL TIME I CALLED THE LADY TOLD ME THEY MAILED A LETTER AND I DIDNT RESPOND BUT I GET INFORMED DELIVERY THROUGH XXXX EVERY DAY A EMAIL WITH PICTURES OF EVERY PIECE OF MAIL THAT COMES TO MY ADDRESS AND. NOT ONE LETTER NOT 1 THEY SCREWED ME OVER AFTER ME AND MY KIDS WHOLE LIVES HAVE BEEN XXXX DOWN SINCE THAT BREECH TONS OF FRAUD ACCOUNTS TAKES ME MONTHS EVEN YEARS TO GET THEM TO FINALLY HEAR ME AND MAYBE REMOVE IT BUT THEN THEY JUST ADD ALLLLL OF THEM BACK A FEW MONTHS LATER THIS IS CRAZY

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 2025-05-01 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: PA

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 2025-05-01 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: AL

Complaint narrative:
I have unauthorized inquiries that I dont not give written consent to put on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
I have unauthorized inquiries that I dont not give written consent to put on 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 explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX SOUTHWEST XXXX XXXX XXXX, FL XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute the presence of fraudulent information on my credit report and request its immediate removal in accordance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
Enclosed you will find a copy of my identity theft report ( FTC Report Number : [ XXXX ] ) supporting my claim. 
As outlined by federal law, credit reporting agencies are required to delete any information resulting from identity theft within four ( 4 ) business days after receiving valid documentation from the consumer. The following account ( s ) were fraudulently opened in my name without my consent or authorization and must be removed at once : Fraudulent Account ( s ) to Be Deleted : XXXX. Account XXXX : [ XXXX ] XXXX. Account XXXX : [ XXXX XXXX ] XXXX. Account XXXX : [ XXXX XXXX  ] XXXX. Account XXXX : [ XXXX XXXX ] XXXX. Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] Account Number : [ XXXX ] These accounts are inaccurate, harmful to my credit profile, and do not reflect any legitimate activity I initiated. Therefore, I am requesting the following actions be taken immediately : 1. Permanently delete the above-listed account ( s ) from all versions of my credit report.

2. Provide written confirmation that these fraudulent items have been successfully removed.

3. Send an updated copy of my credit report reflecting these corrections.

4. Do not place a fraud alert or any form of credit restriction on my file, as this is not a current or ongoing threat, and doing so would be unnecessary and inappropriate. 
You are required by law to comply with this request promptly upon receiving the enclosed documentation. I expect your full cooperation and a timely resolution in accordance with the Fair Credit Reporting Act. 
Should you require any further information, please contact me in writing at the address above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Summary : I applied for a business credit card through American Express. The application clearly stated that my Social Security Number ( SSN ) was only needed to verify my identity. Despite this, I received a denial letter stating that my personal credit score ( FICO ) from Experian was used to make the decision. I did not authorize a credit inquiry for the purposes of determining creditworthiness, and the language on the application led me to believe none would occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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