vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
This formal complaint is submitted regarding XXXX XXXX XXXX XXXX 's continued and willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that any disputed item must be fully investigated and corrected or deleted within 30 days of receiving a consumer dispute.On XX/XX/year>, and again on XX/XX/year>, I submitted detailed written disputes to XXXX XXXX XXXX XXXX regarding inaccuracies in their reporting of multiple accountsparticularly inconsistencies in closed dates and false reporting of late payments after account closure. Despite clear documentation and certified proof of delivery, XXXX XXXX failed to conduct a lawful reinvestigation within the required timeframe and has not issued a substantive response.As of todays date, these inaccuracies remain on my credit reports, and XXXX XXXX has offered no verification, no correction, and no acknowledgment of their legal obligations. This constitutes a direct violation of : - FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation within 30 days ; - FCRA 1681s-2 ( a ) : Reporting information with actual knowledge of errors ; - FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy in furnishing data.Furthermore, their failure to remove or update the tradeline under dispute after the legal response period has lapsed subjects the tradeline to * * mandatory deletion * * as reinforced by numerous FTC interpretations and court precedents, including * Cushman v. Trans Union Corp. * and * Dennis v. BEH-1 , LLC *.

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 2025-05-29 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MD

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 non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Multiple companies have accessed my credit report without my consent, causing harm to both my credit profile and score. I previously brought this matter to the attention of the credit reporting agency, and a representative assured me that the unauthorized inquiries would be removed. However, they remain on my report. 
These unauthorized and potentially fraudulent inquiries are highly concerning and suggest possible identity theft. Their continued presence is causing significant stress and further jeopardizing my financial well-being.

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 2025-05-29 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Since aroundXX/XX/XXXX Robinhood Credit Card app stopped showing any pending transactions or updating the available credit balance based on those pending transactions. This has caused a lot of confusion and anxiety in my family since we don't know how much balance is left and how to plan our usage. I contacted Robinhood on XX/XX/XXXX, they haven't resolved this issue. They acknowledged that the issue exists and they are looking into it, but declined to provide more information. They don't have phone or even chat-based customer service. They also don't provide customer service during weekends, holidays, or nights. The communications are through texts and it takes hours or days to get a response. It almost seems like flying blind because I have no idea what credit balance I have really available, I am not able to get this solved, and I have no idea if or when they will ever respond and solve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC initiated litigation against us and multiple other parties in XX/XX/XXXX without cause. PNC failed to investigate the claims that were filed in XX/XX/XXXX prior to initiating the litigation. There was no threat of tax foreclosure on the property and we were not delinquent with PNC. Our attorneys had been in continuous communication with PNC 's attorneys for XXXX years prior. PNC was fully aware that the property, our mortgage, was the center of a mortgage/tax fraud scheme. Following the filing the of the litigation against us, PNC refused to cooperate with discovery requests and a criminal search warrant issued by the Michigan State Police.

PNC participation with the ongoing mortgage fraud is unconscionable. The trial court determined on XX/XX/XXXX that the fraudulent acts of the Developer rendered XXXX XXXX an unlawful development. This order has been FINAL for over XXXX years. The Developer has now also terminated the Master Deed of XXXX XXXX. The legal description of the Property contained within the mortgage is invalid due to the external fraud. 

Despite the trial court 's orders, PNC has continued to pursue us. We have paid our monthly mortgage payment for the past XXXX years. PNC has refused to accept our monthly payment. Returning it each month. PNC is now seeking to add an additional {$110000.00} to our mortgage amount due to what they claim are legal fees caused by us. PNC INTIATED LITIGATION AGAINST US WITHOUT CAUSE!!!! How can they now claim that we are responsible for the legal fees that they have incurred for pursuing claims against us???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-29 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-29 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-29 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: VA

Complaint narrative:
I am submitting a formal complaint against TransUnion for continuing to report an unverified and inaccurate debt, and for cancelling my dispute without my authorization. 
On XX/XX/XXXX, I sent a debt validation request via certified mail to XXXX XXXX XXXX regarding account number XXXX, which is reporting on my TransUnion credit file. This account is associated with XXXX XXXX XXXX, where I was placed temporarily by a home builder while my primary residence was being completed in the same neighborhood. I never signed a lease, never agreed to any terms, and I never authorized the account, neither via written nor electronic signature. This was a month to month temporary lease. 
The debt collector never responded to my validation request. Under the FDCPA, they are required to cease reporting the account to credit bureaus unless they validate the debt. They did not. 

On XX/XX/XXXX, I disputed this account through TransUnion, attaching : A copy of my debt validation letter The certified mail receipt An explanation of why the debt is unverified and not mine On XX/XX/XXXX, TransUnion sent me an email stating : At your request, we successfully cancelled your dispute investigation. No further action is necessary on your part. 

I never requested this cancellation. I never withdrew my dispute. This action was taken by TransUnion unilaterally, without notice or consent, and represents an unacceptable interference with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I then submitted the dispute again with all supporting documentation, but I am now requesting your intervention to ensure proper handling. 

This collection account is : Unverified ( no validation provided by the furnisher ) Unauthorized ( I never agreed to or signed anything ) Being reported improperly I am requesting the CFPB to require : Deletion of this account from my TransUnion credit report A review of XXXX conduct in cancelling my dispute without my consent A record of any communication TransUnion claims shows I withdrew the dispute

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 2025-05-29 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: Meta Payments Inc.
State: PR

Complaint narrative:
My XXXX XXXX was hacked in XXXX 2024. During that time, unauthorized individuals changed the payout account linked to my Page and added a third-party identity : XXXX XXXX XXXX XXXX . That person is not me, nor connected to my business. 

After regaining access to my Page, I submitted all required documentation to XXXX ( government ID, W-9, LLC registration , business bank account, and screenshots ), requesting the fraudulent payout account be removed and replaced with my legitimate business account under XXXX XXXX XXXX 

The payout section still shows the hackers name, and XXXX continues to hold a balance of {$11000.00} that I can not access. I have submitted multiple support tickets and follow-ups through XXXX Support Inbox and email, but I only receive generic responses saying another team is reviewing. It has been over 7 business days with no resolution. 

XXXX has not provided a way to escalate or fix this issue. I am requesting assistance to force XXXX to remove the fraudulent payout method and allow me to receive my rightful earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX card issued by Citibank provides lounge access at airports, the sole reason i applied. It charges {$590.00} annual fee + {$170.00} for each additional authorized card. All in all Citi charged me {$770.00} for both cards in XXXX when cards were activated. 
2-Citi had problems with billpay received from other banks & their system accepting payments over the phone, for some reason, was not functioning properly. One day before the first due date of first cycle, i called to make sure payment sent via bill pay ( XXXX business days before due date ) was at least received. I was told Citi could take payment on phone & I can proceed to place a stop payment on the billpay check to avoid double payment. 
3-It turned out to be the beginning of the nightmare. The phone payment that was collected over the phone appeared to be successful, only to show 3 days later as unsuccessful. The stop payment ( suggested ) by Citi had already gone through resulting in XXXX declined payments & the account being closed, despite daily exchanges ( all recorded & all in the bank notes ; some recorded by supervisors & mangers stating clearly that the closure was based on bank ERROR ). 
4-Not a single day, since opening of account did Citi show any outstanding balance, not a cent due to my continued attempts to pay whatever the system allowed me to pay, XXXX attempts succeeded in payment of some {$2300.00}, through my debit card. I asked every single time i called ( almost daily from XX/XX/XXXX to XX/XX/XXXX ( sometimes multiple calls a day ) to speak to someone in the credit department. Answer, they only receive & send written notification. I did write a long treatise & invited the bank to verify through their own notes. 
5-Yesterday, I called to offer paying the entire balance before the due date but to take out the membership fees : i paid for XXXX year of lounge access & XXXX miles of promotion & the answer was : the membership fees were not eligible! 
XXXX when your interlocutor no longer makes sense, you have involve a third party & hope for the best. 
I am available at any time for any questions or 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

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

Account Name : DPT EDXXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief