vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
This complaint is NOT related to any consent order. Please read the complaint in its entirety and fully understand what is being written here. Do NOT issue another canned unrelated response in attempts to close the complaint prematurely. 

Cash tag $ XXXX I made several purchases for a streaming service through a website called XXXX. Transactions : XXXX2025, XXXX2025, XXXX-2025, and XXXX2025 in the amounts of {$99.00}, {$100.00}, {$100.00}, and {$100.00}. These transactions were spread across XXXX or XXXX different merchants that utilize the site to make sales. The streaming services were supposed to be similar to XXXX and XXXX. After a few days using the services, I began noticing problems with nothing playing at all or constantly freezing to the point where streams would be stuck at the same spot for hours. I informed each seller of the issues and also made XXXX aware of the problems I was having. Finally, the services became unusable in any fashion, I could not even log in. Upon further investigation, I discovered that the site, XXXX is a XXXX run business for black market and pirated goods. I made many attempts to get my money back without success. I reached out to Cash App on XXXX-2025 to file disputes for those charges. Today, XXXX2025, Cash App informed me that they had reached a decision and denied all of my claims. The email Cash App sent states to contact customer support for the documents used in determining their decision. I immediately contacted the customer support chat and requested the documents as stated in the email. Cash App refused to provide said documents and will not provide an ETA as to when documents would be delivered. Cash app reps were highly rude and did not provide any pertinent information. I was ignored and on several occasions, the rep literally left the chat without warning. This is a long list of tactics that Cash App uses to frustrate the consumer in hopes that they will just give up. Not only does the service I paid for not work at all, it is my understanding that it is possibly also illegal and Cash App seems to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received an alert notice from FICO credit report that i have opened a new credit card on XXXX XXXX, 2025. After, I checked my Experian credit report immediately. I saw that the new XXXX  credit card was opened on XXXX XXXX, 2025. Also, showed that its authorized user. But i didnt authorize any one on my XXXX  account. I didnt open any account as well. Therefore, first, i called XXXX immediately to make sure if someone use my identity to apply new card. But identity theft department confirmed with me that i didnt open that account and didnt authorize any user. Second, i filed a dispute to help me investigate what happened on Experian company website. I think that it is an error or mistake from experian company. Maybe similar name or something else. 
But after almost 30 days waiting, the dispute completed. That new credit card still on my credit report and credit use went high to over XXXX which let my credit scores went down XXXX points. I didnt receive any reason why the error credit card account still showed on my credit report and it should be deleted.

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 2025-03-20 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX Date XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXX Date XXXX Balance Owed : {$3400.00} Charged offXXXX XXXX  XXXX Date XXXX Balance Owed : {$10000.00} Charged off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY XXXX  AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> I mailed a certified letter disputing incorrect information on my credit report to Transunion. I asked them to verify all of my account information with my signature on it. ( Accounts are listed below. ) I filed for identity theft and I think this is part of it. 
XXXX XXXX XXXX # {$310.00}, XXXX XXXX XXXX # XXXX {$1100.00}, XXXX XXXX XXXX # XXXX {$740.00}, XXXX XXXX XXXX # XXXX {$640.00}, XXXX XXXX XXXX # XXXX {$120.00}, XXXX XXXX XXXX # XXXX {$9200.00}, On XX/XX/year> E.T. or A.T. signed off that the letter was picked up. On XX/XX/year> Tranunion mailed me a letter stating that the dispute was resolved. I was NOT sent any letters showing my signature are a real verification. They just stated on all the accounts I disputed that ( VERIFIED AS ACCURATE ) that is not a real verification. No signatures, no contracts nothing just we verified. According to law I need real verification within XXXX days or they must be removed and or deleted. Today is XX/XX/year> we are in XXXX days. Please feel free to enforce the law on these disputes. Thank you.

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 2025-03-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$690.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XX/XX/year> with a balance of {$1200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have an Macys Credit card. I lost my card and notified Macys of this immediately. The same day I lost the card there was a transaction made with my Macys card that I did not authorize in the amount of {$460.00}. I disputed this charge from XXXX with Macys and received credit for the transaction the same month. 

In XXXX I was then charged again for {$460.00} due to Macys stating they did not find the charge to be fraudulent. This transaction is fraudulent and was not authorized by me. I asked Macys to provide me with proof to show this transaction is not fraudulent based on their investigation and Macys didn't provide anything. I need full reimbursement for this transaction credited to my account. Billing statements will be provided as supporting documentation.

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 monetary relief
Consumer complaint received 2025-03-20 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Someone stole my identity and tried to get loans and credit cards.

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 2025-03-20 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: GA

Complaint narrative:
On XX/XX/year> I mailed a certified letter disputing incorrect information on my credit report to Experian. I asked them to verify all of my account information with my signature on it. ( Accounts are listed below. ) I filed for identity theft and I think this is part of it. 
XXXX XXXX XXXX # XXXX {$310.00}, XXXX XXXX XXXX # XXXX {$390.00}, XXXX XXXX XXXX # XXXX {$77.00} XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX # XXXX {$740.00} XXXX XXXX XXXX # XXXX {$640.00} XXXX XXXX XXXX # XXXX {$120.00} XXXX XXXX XXXX XXXX {$9200.00}, XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX # XXXX {$130.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX {$130.00} XXXX XXXX # XXXX {$450.00} XXXX XXXX # XXXX {$120.00} XXXX XXXX XXXX {$240.00} XXXX XXXX # XXXX {$1000.00} XXXX XXXX # XXXX {$530.00} XXXX XXXXXXXX XXXX # XXXX {$1000.00} On XX/XX/year> my letter was delivered to front desk/mailroom. It is XX/XX/year> and Experian has not responded back to my letter of dispute. I was NOT sent any letters showing my signature are a real verification. According to law I need real verification within XXXX days or they must be removed and or deleted. Today is XX/XX/year> we are in XXXX days. Please feel free to enforce the law on these disputes. Thank you.

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 2025-03-20 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
My personal and financial data has been compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach was a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of the breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. This complaint was sent to my student loan provider as well as the complaint department with the Dept. of Education. My total amount of debt for this is {$45000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/year>, I received an initial communication from Midland Credit Management , Inc. ( MCM ) attempting to collect an alleged debt ( MCM Account # XXXX ). I responded by sending a letter to MCM disputing the debt and requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX ( b ). 

In my request, I specifically asked for : The original purchase agreement with the original creditor, XXXX XXXX XXXX, Account ending in XXXX, bearing the signatures of all parties involved. 
Documentation of the legal transfer of this alleged debt from the original creditor, XXXX XXXX XXXX, to Midland Credit Management XXXX Inc., to clearly establish that MCM has the legal right to collect this alleged debt. 
MCM has failed to provide the requested documentation necessary to validate this alleged debt. Instead, MCM provided alleged credit card statements. 

I have sent multiple follow-up requests to MCM reiterating my demand for validation and reminding them of their obligations under the FDCPA to cease collection efforts until proper validation is provided. MCM continues its collection efforts without providing the required validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I was working and my job paid me through the account one day they closed my account for no reason and no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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