vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you, ( TransUnion ) the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of you receiving this complaint. 

I am filling this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an open account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX an open account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, an open account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, an open account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  and an open account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent charge-offs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments or in charge-offs as reported. The aforementioned accounts, collections, and charge-offs, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments and charge-offs are a result of identity theft and fraud. I have attached the copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-21 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: GA

Complaint narrative:
Late payment from XX/XX/year>2019 This payment was reported late and was only XXXX  days late. Ive wrote a letter to navy to get this corrected. No response and Ive wrote them twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Late payment from XX/XX/year>2019 This payment was reported late and was only XXXX  days late. Ive wrote a letter to navy to get this corrected. No response and Ive wrote them twice.

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 2025-04-21 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:
Late payment from XX/XX/year>2019 This payment was reported late and was only XXXX days late. Ive wrote a letter to navy to get this corrected. No response and Ive wrote them twice.

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 2025-04-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several charged-off accounts currently being reported on my credit reports by XXXX XXXX and XXXX These accounts are not mine, and I did not authorize them in any capacity. I see three charged off accounts from AMERICAN EXPRESS, and they are not mine.

Despite previous disputes filed directly with the credit bureaus, the accounts in question have been verified without sufficient investigation or documentation. I am concerned that this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate information and conduct proper reinvestigations. 

I am requesting that the CFPB step in to ensure these accounts are thoroughly investigated and permanently removed from my credit file if they can not be properly validated with concrete proof that I am responsible for them. I am also requesting documentation from the bureaus showing how and with whom these accounts were verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Im filing a complaint against cashapp. As they violated the CFPA. They were allowing fraud to take place and did nothing about the issue. The dispute process was unfair in every way. I have loss significant amounts of funds from this. The EFTA was not fair for errors. I would like to get some type of compensation for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This debt collector is on illegal debt collectors list for illegal practices. They have never reached out to me via mail for any debt they supposedly have and they need to cease all electronic communications with any phone number associated with my number. I have a family plan and I do not want them to be harrassed and this company is known to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Late Payment Reporting by American Express Account Ending in : XXXX Dear CFPB Representative, I am writing to formally respond to American Expresss communication dated XX/XX/XXXX, regarding their reporting of 30-day late payments on my account ending in XXXX. While I acknowledge enrollment in the Financial Relief Program ( FRP ) on XX/XX/XXXX, I dispute the manner and basis on which the account was reported delinquent during the months of XX/XX/XXXX to XX/XX/XXXX. 
Here are the key points of my dispute : 1. Program Enrollment Should Have Suspended Negative Reporting : The purpose of enrolling in a financial hardship program, particularly one initiated by the creditor, is to offer relief and support during difficult timesnot to continue or initiate derogatory credit reporting. Upon enrollment, American Express had an opportunity to work with me constructively. Instead, the account was marked as 30 days late continuously, even after the FRP was in effect. This defeats the intent of financial relief and may be viewed as punitive. 

2. Failure to Provide Adequate Notice or Options Prior to Reporting : I did not receive sufficient and timely warning that my account would continue being reported late after entering the FRP. Any reporting of negative activity during this time may be considered misleading under the Fair Credit Reporting Act ( FCRA ), particularly if no new delinquency occurred post-enrollment. 

3. Good Faith Efforts to Comply : I made a good faith effort to address my financial obligations through the FRP, which American Express approved. Continuing to report late payments after accepting me into a relief program contradicts both the spirit and expected function of such programs. 

4. Request for Fair Resolution : I respectfully request that the CFPB re-examines American Expresss justification and encourages them to either remove the late payments reported during the FRP period ( XX/XX/XXXX to XX/XX/XXXX ) or update the record to show Paying under Financial Assistance Plan in line with updated XXXX XXXX credit reporting guidelines for accounts in hardship arrangements. 
Please consider this formal complaint and assist in ensuring fair and accurate credit reporting as required by the FCRA and the principles of consumer protection. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to 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 explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I recently pulled my reports and noticed Experian and TransUnion are reporting an account ( XXXX XXXX XXXX ) that was charged off in 2022. TransUnion is reporting that the account is past due currently, showing that it has a credit limit and Experian ' shows the account is charged off but has a credit limit 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 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
My XXXX stock trading account # XXXX, with ~ {$370000.00} has been restricted with no explanation after selling some positions to cut my losses due to current volatile market conditions. I have been locked from withdrawing my funds or buying any stocks. Are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be naccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvessgation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallOpromptly delete that item of information from the fle of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-21 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-21 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: MN

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 non-monetary relief
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: MI

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 explanation
Consumer complaint received 2025-04-21 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: WV

Complaint narrative:
I recently reviewed my credit report and noticed a collection account that I did not authorize or recognize, and it is affecting my ability to obtain credit. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), no account should be reported without a permissible purpose. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) also requires debt collectors to validate debts in writing, which I never received. This violates my consumer rights. Please remove this account from my credit report and investigate the matter. The following entry appears in error : Creditor Name : XXXX XXXX XXXXXXXX XXXX Reported : {$440.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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 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 2025-04-21 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: FL

Complaint narrative:
This is my second and final attempt to fix this issue directly. I know my rights under the Fair Credit Reporting Act ( FCRA ), including my right to privacy under 15 U.S.C. 1681a ( 4 ), and Equifax has clearly broken those rights. There is an account from XXXX ( Account # : XXXX ) on my credit report that I never permitted to report. I did not sign anything or approve this in writing, which means Equifax has no legal reason, under 15 U.S.C. 1681b ( 2 ), to report this account. Keeping this account on my report is not just careless, its illegal. This is identity theft, defamation, and a serious violation of federal law under 15 U.S.C. 1681n, which allows me to sue for {$1000.00} per violation or more if real damage is proven. Because of this, Ive already been denied housing, a car loan, and its hurting my life. Dont send me another automated or computer-made responseI do not allow this to be handled by a machine. A real person needs to fix this now. You have 14 calendar days to delete this account, send me proof in writing, and give me an updated copy of my credit report. If you dont, I will take legal action without warning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I looked at my credit report back on XX/XX/year> and noticed the following accounts to be inaccurate. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX have Inaccuracies of my payment history and according to the fair credit reporting act consumer reporting agencies need to report with 100 % complete accuracy. This is my Third complaint that has been ignored to my previous request and failed to maintain reasonable proof & procedure in your operations to assure maximum possible accuracy in my credit report .This is now a Follow-Up on my Dispute of the Negative Credit Report Information where TransUnion failed to respond to my dispute letter after 30 days of receiving.

Under the Fair Credit Reporting Act FCRA, specifically 15 U.S.C. & 1681s-2, creditor has certain protocols upon receiving a notice of a dispute. 

I sent a complaint asking to correct the inaccuracy and discrepancies and to make sure everything is completely accurate here is my case number XXXX Like I said Its been over 30 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency, directly or indirectly through a reseller of such dispute. The agency XXXX free of charge conduct reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the dispute information or delete the item from the file by the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They also violated these laws according to 15 USC 1681i they are supposed to correct any inaccurate or unverifiable information. In general after any re-investigation or any information thats disputed by the consumer and has found an item of the information to be inaccurate or incomplete, or can not be verified. Consumer reported shall promptly delete the inaccurate item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the complainant that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681S 2 they are supposed to not furnish any information relating to a consumer to any consumer report 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