vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 3 ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
There are fraudulent items on my credit report that I did not authorize and from which I received no benefit. Ive reported this matter to the Federal Trade Commission, yet these items still remain. This is a serious issue that requires immediate attention and resolution.

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 2025-04-18 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 have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-04-18 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 have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I woke up the morning of XX/XX/XXXX discovered that my XXXXXXXX XXXX checking account was cleaned out. Empty. Somebody had withdrawn every cent in there. {$3200.00} in XXXX withdrawals the night before through an app called CashApp. ( see attachmen below ) I ran to my local XXXX branch, and they started an investigation through their Fraud department and even called The XXXX  police department to meet with us. A month later XXXX returned my money (! ), then a few days later they took it back! They had contacted CashApp, who claimed the illegal withdrawals had been approved by myself or by someone I had given permission to make, No way! Ive never made that many withdrawals before at the same time for any reason. My checking account, of course, was back to empty, and my unpaid bills started to pile up. 

I asked for another investigation and another and another, but the responses by XXXX and CashApp were always the same : their investigations always confirmed I had approved the transactions. I hounded CashApp repeatedly, and of course their inquiries, such as they were, repeated the official conclusion that I had withdrawn the money myself and they closed my case. Neither they nor XXXXXXXX XXXX said they could help me any longer. I was in the strange but impossible position of having to prove what I didnt do! 

Thats when I discovered this article dated XX/XX/XXXX : CFPB Orders Operator of Cash App to Pay {$170.00} XXXX and Fix Its Failures on Fraud : Cash App created the conditions for fraud to proliferate on its popular payment platform, said CFPB Director XXXX XXXX. When things went wrong, Cash App flouted its responsibilities and even burdened local banks with problems that the company caused. ( XXXX XXXX XXXXXXXX ) I just want my {$3200.00} back! This theft has been a disaster to fix!! HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. Equifax Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Account Name - XXXX XXXX XXXX XXXX XXXX XXXX  Account Name - XXXX XXXX XXXX XXXXXXXX DELETED. XXXX  have DELETED the account from my credit profile. Equifax is reporting the account status as derogatory while Experian is reporting the account status as paid. Equifax and Experian are reporting that the account was opened on XX/XX/XXXX while XXXX  has DELETED the account. Equifax is reporting a high credit balance of {$33000.00} while XXXX  has DELETED the account and Experian is reporting {$35000.00}. Equifax is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX  has DELETED the account. Equifax is reporting a date of last payment as XX/XX/XXXX, XXXX  has DELETED the account and Experian does not report the last payment date. This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and XXXX  has DELETED the account. You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. Please send me an updated credit report within 30 days of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding a charged-off account with Bank of America XXXX account ending in XXXX. 

This account was charged off and is being reported with a balance of {$6200.00} and a status of Account charged off. {$6200.00} written off. 

Under IRS guidelines, when a debt is canceled or forgiven, the creditor is generally required to issue Form 1099-C. I am requesting that Bank of America confirm whether a 1099-C was filed for this account, and if so, provide a copy for my records. 

Additionally, if the debt was indeed canceled and reported to the IRS, it should no longer be shown as " past due '' or carry a balance on my credit report. Continued reporting in this manner may violate the Fair Credit Reporting Act ( FCRA ), as it could be considered inaccurate or misleading. 

I have not received sufficient information from Bank of America and have been unable to confirm whether a 1099-C was issued.

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 2025-04-18 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: TX

Complaint narrative:
Ive sent emails to Netspend and have called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ive called their Account Protect Team at XXXX. No one answers the line it puts you on hold for hours and eventually disconnects. Ive sent my proof of address and license via email. They approved the documents I sent and still say my account is restricted and I need to call XXXX to speak with someone. I have called XXXX, XXXX XXXX XXXX via email someone would call me today, XX/XX/XXXX. No one has called. Ive been emailing since early this morning and continues calling throughout the day, no one answers. They arent even responding to my emails anymore. This is maddening, they are holding my account hostage.

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 2025-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: TX

Complaint narrative:
This Foreclosure Case has been going on for more than 10 years. 
Below are the reasons the FEDERAL and STATE COURTS were unable to FORECLOSE on the Property, ( 1 ) The Property being Foreclosed on is in a IRREVOCABLE TRUST not owned by me as a Citizen of the XXXX XXXX 

( 2 ) CASE XXXX is a Case that is out of Jurisdiction of the Texas XXXX because I do not own the House , the XXXX XXXX XXXX XXXX owns the House and have been owning it for more than 10 Years so this Case should not have been filed against me ever. 

( 3 ) The Court Illegally added my Ex-Wife to the Deed in Order to be able to Foreclose on this Case but once again the Court is out of Jurisdiction. 

( 4 ) I received a Foreclosure Notice on XXXX XXXX,2025 telling me they are Foreclosing on XXXX XXXX2025 which does'nt give me time to get a Constitutional Attorney or any kind of Legal Representation. This Case is also being forwarded to the Attorney General of the XXXX XXXX XXXX XXXX and the XXXX XXXX. 

( 5 ) I feel like my CONSTITUTIONAL RIGHTS HAVE BEEN VIOLATED BY THE COURTS AND US BANK ALSO ALL THE ATTORNEY 'S.

( 6 ) There was a US BANK verses XXXX XXXX XXXX Case that was Dismissed with Prejudice so all the other Cases are DOUBLE-JEOPARDY CASES which is against the Law. 10 years of fighting Court Cases is too much for anybody.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
This is the information I want the company to look at. Sender Information MoneyGram XXXX XXXXXXXX Name XXXX XXXX XXXX Phone ( XXXX ) XXXX Address XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX United States Receiver Information Name XXXX XXXX Expected Destination XXXX Receive Option Mobile Wallet Receiver Account # XXXX Mobile Number XXXX Transaction Information Reference Number XXXX Transfer Amount XXXX USD. 

Please use this information to track the cause. I have not received the money since XX/XX/XXXX, and I don't know the reason for the delay in receiving the money into my mobile wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
I noticed after reviewing my profile there were some inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I opened a credit card with XXXX XXXX account # XXXX in XXXXXXXX XXXX XXXX. The account is not accurately reporting the months reported correctly. they did not report the account for the month of XXXX which effects my score and length of time on the account which I need this to be accurate as im purchasing a home and have to have this reporting for a certain amount of months before approval. Please update the the reported months which should include the months of XX/XX/year> ; XX/XX/year>, XX/XX/year>, and now XX/XX/year>. Please provide the written resolution of this complaint and update this information on all 3 bureaus immediately so I can close on my home purchase.

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 2025-04-18 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: IL

Complaint narrative:
I opened a credit card with XXXX XXXX account # XXXX in XXXXXXXX XXXX XXXX The account is not accurately reporting the months reported correctly. they did not report the account for the month of XXXX which effects my score and length of time on the account which I need this to be accurate as im purchasing a home and have to have this reporting for a certain amount of months before approval. Please update the the reported months which should include the months of XX/XX/year> ; XX/XX/year>, XX/XX/year>, and now XX/XX/year>. Please provide the written resolution of this complaint and update this information on all 3 bureaus immediately so I can close on my home purchase.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I opened a credit card with XXXX XXXX account # XXXX in XXXXXXXX XXXX XXXX The account is not accurately reporting the months reported correctly. they did not report the account for the month of XXXX which effects my score and length of time on the account which I need this to be accurate as im purchasing a home and have to have this reporting for a certain amount of months before approval. Please update the the reported months which should include the months of XX/XX/year> ; XX/XX/year>, XX/XX/year>, and now XX/XX/year>. Please provide the written resolution of this complaint and update this information on all 3 bureaus immediately so I can close on my home purchase.

Company response to consumer: Closed with non-monetary relief