vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
The following account was charged off as of ( XX/XX/year> OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX U.S. Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX U.S. Code XXXX - Compliance procedures- ( b ) Accuracy of report 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. XXXX U.S. Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the 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 modified or deleted from the file of the consumer. ''

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim oXXXX XXXX  The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally file a complaint against Experian for its failure to remove negative and closed accounts that are a direct result of identity theft, despite my efforts to dispute and notify your organization in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a victim of identity theft and have discovered multiple fraudulent, negative, and closed accounts on my Experian credit report that were opened without my knowledge or consent. Despite this, Experian has failed to block or delete the fraudulent information as required under Section 605B of the Fair Credit Reporting Act. 
Violations : Under FCRA Section 605B, credit bureaus must block identity theft-related information within 4 business days of receiving valid documentation.

Experian 's failure to do so is a direct violation of federal consumer protection laws. 
This has resulted in continued financial harm, including credit denials and emotional distress. 
Immediate removal of all fraudulent and identity theft-related accounts from my Experian credit report.

Written confirmation that the information has been permanently deleted. 
An explanation of why Experian failed to comply with the required timelines and procedures. 
Assurance that no further unauthorized reinsertion of these items will occur. I also have attached police report and dispute report from each Accounts Listed Below XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally file a complaint against Experian for its failure to remove negative and closed accounts that are a direct result of identity theft, despite my efforts to dispute and notify your organization in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I am a victim of identity theft and have discovered multiple fraudulent, negative, and closed accounts on my Experian credit report that were opened without my knowledge or consent. Despite this, Experian has failed to block or delete the fraudulent information as required under Section 605B of the Fair Credit Reporting Act. 
Violations : Under FCRA Section 605B, credit bureaus must block identity theft-related information within 4 business days of receiving valid documentation.

Experian 's failure to do so is a direct violation of federal consumer protection laws. 
This has resulted in continued financial harm, including credit denials and emotional distress. 
Immediate removal of all fraudulent and identity theft-related accounts from my Experian credit report.

Written confirmation that the information has been permanently deleted. 
An explanation of why Experian failed to comply with the required timelines and procedures. 
Assurance that no further unauthorized reinsertion of these items will occur. I also have attached police report and dispute report from each Accounts Listed Below XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally request assistance in obtaining a XXXX  release for a vehicle loan I received through Citibank in XXXX. The loan was used to finance a motorcycle/vehicle and was associated with a XXXX XXXX  card issued at the time, which included XXXX information on the reverse side along with the total loan amount. 

The remaining balance on the loan $ XXXX paid in full on XX/XX/XXXX. However, I have yet to receive the official XXXX release documentation. Despite multiple follow-up attempts, Citibank has XXXX informed me that there is no record of an auto loan under my name. This is confusing and XXXX, as Citibank is clearly listed as the lienholder on the official New York XXXX vehicle title. 

In an effort to resolve this issue, I have contacted Citibank numerous times, providing all relevant information, including the loan origination date, final payoff amount, and the date the balance was cleared. I have been transferred to different departments, given multiple phone numbers, and instructed to contact various email addressesnone of which have led to a resolution. Each response has stated that there is no loan record on file, and no one has taken ownership of the situation. 

I was also advised to contact XXXX due to a possible previous affiliation, but they too were unable to locate any record of my loan and could not provide a XXXX  release or a letter of no record. 

Out of XXXX, I even visited the New York XXXX in an attempt to obtain a new title, hoping to clear the matter myself. However, the XXXX confirmed that Citibank still holds an active XXXX on the vehicle, and the account remains open in their system. Without a XXXX  release, I am unable to proceed with selling the vehicle. 

This issue has caused XXXX XXXX and inconvenience. I am now formally requesting that Citibank : Issue a XXXX XXXX confirming the loan has been paid in full ; or Provide a Letter of No Record stating that Citibank has no active or prior loan under my name. 
I am seeking urgent resolution of this matter and request that it be escalated to the appropriate department that can provide answers and take corrective action. Please advise on the next steps necessary to resolve this situation promptly

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: GA

Complaint narrative:
I was a victim of Identity theft, It was noticed last year and I filed a police report with the XXXX XXXX POLICE DEPARTMENT CASE # XXXX after a long process with all the reporting agencies I have now restored my credit standing however recently i noticed some inquires and I have applied for any credit cards. I am going to attach a XXXX sheet to this complaint, Its only a total of XXXX inquires however I do need them removed since I didn't apply for any of these accounts

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( XXXX  ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX, a vehicle ( VIN : XXXX ) was fraudulently co-titled in my name under duress by XXXX XXXX XXXX, who made no payments for over XXXX months, causing XXXX  XXXX. I never used or insured the vehicle, located at XXXX 's residence. On XX/XX/XXXX, I sent certified letters to U.S. Bank ( P.O. Box XXXX and P.O. Box XXXX, XXXX XXXX, MO XXXX, requesting repossession, XXXX release, and debt exemption, with XXXX Receipts signed XX/XX/XXXX. I made multiple calls to XXXX, emailed XXXX, and had my attorney request action, but U.S. Bank provided no response, claiming liability due to my signature despite fraud. I submitted a Notice of Transfer and Release of Liability to the California XXXX and reported XXXX to police/XXXX ( XXXX XX/XX/XXXX ). The loan was charged off, but XXXX Banks inaction prevents XXXX title removal and prolongs 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$510.00} Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$35.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with section XXXX of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent {$360.00} to XXXX XXXX. 
A month or so later, my bank open a fraud case on that transaction. It wasn't a fraud transaction. It was a legit transaction, but but in the meantime Cash ab took XXXX XXXX XXXX XXXX XXXX of my account and held it till the fried case was complete they said they sent it back to my bank. That never happened. My bank told me that Cash App holds the money till the claim is over. The claim what's denied because it was a legitimate transfer of Now, Cash App says because it was denied. They don't owe me the {$360.00}, but they do because the money was in my account. We, when I sent the {$360.00} to XXXX XXXX, they took it out And never put it back, they never sent it to my bank. {$360.00} They never sent it to my bank. It was not a fraud case. So the case was closed and denied, but in the meantime, cash app has never credited me back.The XXXX XXXX and XXXX, I do not owe them anything. It was a legit transaction. I had the {$360.00} when I sent it. 
When they took the XXXX out to send back to my bank because they thought it was fraud but. They never sent it back to my bank. They held it now that the case is over. They're saying that they don't owe me that I owe them XXXX, but that's not true, because the {$360.00} was in my account when I did that transaction So where did the XXXX go? Now they want me to pay them {$360.00}. Bc they say they sent it to my bank XXXX XXXX XXXXXXXX I've been trying to take care of this for month. S and months and months and get nothing back from them, they owe me XXXX, they need to clear the balance in Cash App. They have had me in the minus. For {$360.00} for XXXX or 9 months now then showed me no proof that they ever sent it back. My bank account does not show. It was ever sent back the manager at my bank told me that they hold that money till the claim is over. Even though my claim was denied, they still had the {$360.00} that I use to pay pay and do that transfer. # doesn't do a cash transfer unless you have the money in there. So the money was there when I did that transaction. They need to put it back in there and stop putting me in the minus.At XXXX XXXX and XXXX dollars

Company response to consumer: Closed with explanation