vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
I am submitting this complaint due to fraudulent and inaccurate information appearing on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This inaccurate data includes [ briefly specify the item ( s ), e.g., unauthorized accounts, incorrect balances, or accounts not belonging to me ].

I did not authorize or recognize the following account ( s ) /entry ( ies ) reported on my credit file. Despite my previous attempts to dispute and resolve these errors directly with the credit reporting agency ( ies ) and the furnisher ( s ) of the information, the issue remains unresolved. This is a direct violation of my rights under Section 611 of the FCRA, which grants consumers the right to dispute incomplete or inaccurate information and requires the CRA to investigate within 30 days. 

This fraudulent and erroneous reporting has significantly impacted my life. It has led to : Denial of credit applications Higher interest rates on approved loans Emotional stress and financial hardship Difficulty securing housing and essential services Furthermore, I believe the failure of the credit reporting agencies and/or information furnishers to correct or properly investigate these disputes may constitute willful noncompliance under Section 616 of the FCRA, which allows for damages to be sought. 

I respectfully request a full investigation into this matter, the immediate deletion or correction of all inaccurate information, and appropriate accountability for any entity found to be in violation of federal consumer protection laws. I am also requesting confirmation in writing once this matter has been resolved.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: B9, Inc.
State: TN

Complaint narrative:
I made a purchase for {$650.00} through XXXX on XX/XX/XXXX. The item was shipped. I got a charge on XX/XX/XXXX that was declined, a charge on XX/XX/XXXX that is still processing over a week later and holding my funds, then I got a charge on XX/XX/XXXX for {$650.00} that immediately went through and approved. Ive contacted B9 bank who the account is with and they tell me I have to wait until the XXXX of XXXX for the charge to drop off. Ive contacted the merchant XXXX and theyve provided me with an email to give to the bank to release the funds and theyve refused to look at it, told me I just have to wait. Ive contacted the bank several times because the processing double amount put my account at XXXX XXXXXXXX and they tell me I have to wait. This has caused me to have {$0.00} for over a week now.

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 2025-05-06 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: MO

Complaint narrative:
I have taken appropriate steps to address this issue by reporting the fraudulent inquiries that have appeared on my consumer report. Your unauthorized actionplacing an inquiry on my account without my consenthas caused me significant mental and financial hardship. As a victim of identity theft, I expect this matter to be resolved promptly and in accordance with all applicable laws. 

These inaccurate and fraudulent entries have severely impacted my ability to purchase my dream car and to provide for my family. Enclosed is a copy of a letter I previously sent regarding this matter for your reference.

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 2025-05-06 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their continued failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Experian. Despite submitting multiple formal disputes regarding unauthorized and potentially fraudulent credit inquiries, Experian has failed to remove them or provide any verifiable documentation proving permissible purpose. 

As required by FCRA Section 611 ( 15 U.S.C. 1681i ) and Section 604 ( 15 U.S.C. 1681b ), any inquiry reported on my consumer credit file must be authorized and supported by documented permissible purpose. Experian has not produced any such evidence despite numerous requests. Furthermore, FCRA Section 609 ( 15 U.S.C. 1681g ) grants me the right to receive a full method of verification, which has also been ignored. 

I am disputing the following inquiries, all of which Experian continues to report without producing signed authorization or verifiable proof : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were never initiated or approved by me. I have not signed any authorization forms for these companies to access my credit, and Experian has failed to provide any such documentation upon request. Their continued reporting of these inquirieswithout verificationis a clear and willful violation of the FCRA.

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 2025-05-06 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: OK

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-06 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: WV

Complaint narrative:
My credit report has been reflecting charged off beginning XX/XX/year>. I requested for XXXX XXXX XXXX XXXX and the Credit Bureaus to provide evidence of the charge off that is being reported. XXXX XXXX XXXX XXXX have never provided proof of the charge off. The credit bureaus claimed to have investigated, and the report came back verified.

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 2025-05-06 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: WV

Complaint narrative:
My credit report has been reflecting charged off beginning XX/XX/year>. I requested for XXXX XXXX XXXX XXXX and the Credit Bureaus to provide evidence of the charge off that is being reported. XXXX XXXX XXXX XXXX have never provided proof of the charge off. The credit bureaus claimed to have investigated, and the report came back verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: WV

Complaint narrative:
My credit report has been reflecting charged off beginning XX/XX/year>. I requested for XXXX XXXX XXXX XXXX and the Credit Bureaus to provide evidence of the charge off that is being reported. XXXX XXXX XXXX XXXX have never provided proof of the charge off. The credit bureaus claimed to have investigated, and the report came back verified.

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 2025-05-06 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: Experian Information Solutions Inc.
State: OK

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 2025-05-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have a debt for over mileage on an auto loan. I set up a payment plan for pay back the debt. However, I began facing some financial difficulties with my sick father and the monthly payments were difficult so I contacted ally to settle the debt for a lump sum. While I was in communications with them they charged off the debt. Despite my attempts and willingness to pay them back the debt. Now I have been unable to communicate with them regarding the charge off and reversing it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is not in compliance with the Fair Credit Reporting Acts requirement for maximum accuracy. The information tied to this item is either incomplete, inconsistent, or simply incorrectand by law, anything less than 100 % accurate should not be reported. If you are unable to fully verify and ensure that every detail of this account is accurate and compliant with FCRA standards, then this item has no business being on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX 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 XXXX : {$460.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance : {$1400.00} Open Date XX/XX/XXXX XXXX Balance : {$26000.00} Open Date XX/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 explanation
Consumer complaint received 2025-05-06 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:
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 non-monetary relief
Consumer complaint received 2025-05-06 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: GA

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

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 2025-05-06 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: NJ

Complaint narrative:
Hello good afternoon My name is XXXX XXXX. 
I have been a user of Cashapp for many years. This is my second account with them simply because there were a lot of reports on fraud with cash app over the years. I do not use cash app regularly but I do keep an eye on it simply because of the news I have been hearing. 

Last week XX/XX/year>XXXX  I used Cashapp to make a transaction for a friend of {$25.00} who doesnt have Cashapp . Prior to that transaction I had XXXX cents on cash app. The transaction was approved because my friend sent me the money and I was able to transfer it to cash app. Yesterday XX/XX/XXXX, I check my Cashapp and it is in the negatives for - {$25.00}. Which makes no sense. 

I knew cash app had issues but I didnt experience them for myself until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-06 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: FL

Complaint narrative:
I'm having trouble with a XXXX account ending in XXXX XXXXXXXX on my Equifax report. They got it marked as Charge Off Zero Balance but at the same time it also says Closed and Paid. I dont get how all 3 can be true at once.

Also, they report 30 days late and 60 days late out of nowhere, but all the months before and after show OK so it looks like they just made that up. They also didnt put the Date of Last Activity, the payment rating, or the XXXX dispute code even tho I filed a dispute and the account is still under review. 

What's weird too is that this account dont show up at all in XXXX  or XXXX  XXXX Its just in Equifax and that feels wrong. I even mailed the creditor myself and still nothing got fixed. This is hurting my credit and no one is taking it serious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CO

Complaint narrative:
I disputed multiple unauthorized transactions with the providers debit card. 
They have not responded or issued any credits within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

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 XXXX Balance : {$560.00} Open Date XXXX/2023XX/XX/year>

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 2025-05-06 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation