vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: OH

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. 

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 XXXXXXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things that were incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation 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 shall ( i ) promptly delete that 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dispute of Information in Credit Report Civil Liability for Negligence and Non-Compliance ( FCRA Section 1681 )

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 2025-03-13 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The credits bureau still have on my report that my account are paid off and closed and then its still reported on my credit report im in debt and I have called them and ask why it's still there the said they will investigate and it takes 30 days I have been calling since XX/XX/year> and now I will have to take further actions to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The credits bureau still have on my report that my account are paid off and closed and then its still reported on my credit report im in debt and I have called them and ask why it's still there the said they will investigate and it takes 30 days I have been calling since XX/XX/year> and now I will have to take further actions to sue them

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 2025-03-13 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I just recently started working on my credit due to some fraudulent accounts opened in my name. I stumbled in an account from XXXX XXXX that was send to collections to XXXX XXXX in the ammount of XXXX $ I called XXXX XXXX because there were also other credit cards in my name and told them it was fraudulent. I never heard back from the fraud department but they closed the other accounts. When I disputed it with Experian they kept it on my account. I was in a XXXX XXXX XXXXp for a long time and he was stealing my identity I had no control over my finances. If you need extra information call 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 2025-03-13 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I just recently started working on my credit due to some fraudulent accounts opened in my name. I stumbled in an account from XXXX XXXX that was send to collections to lnvc funding in the ammount of XXXX $ I called XXXX XXXX because there were also other credit cards in my name and told them it was fraudulent. I never heard back from the fraud department but they closed the other accounts. When I disputed it with XXXX they kept it on my account. I was in a XXXX XXXX XXXX for a long time and he was stealing my identity I had no control over my finances. If you need extra information call me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
Complaint Against XXXX XXXX XXXX Improper Credit Reporting After Divorce I am submitting this complaint against XXXX XXXX XXXXXXXX XXXX XXXX  ) due to their continued misreporting of an auto loan on my credit file, which is no longer my financial obligation under a legally binding divorce decree. 
The auto loan in question, account number # XXXX. However, following my divorce in XX/XX/year>, the vehicle and its associated loan were legally awarded to my ex-husband as part of the court 's ruling. From that point forward, he has been the sole party responsible for this debtNOT me. 
Despite this, XXXX continues to report this account under my name, causing severe financial harm. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that creditors must accurately report account responsibility. 
Harm Caused by This Violation : My credit score has dropped between XXXX and XXXX points due to this error. 
I have been denied financing for my own vehicle because of this wrongful reporting. 
This has caused me substantial financial hardship and distress, all due to XXXX negligence. 
To make matters worse, my ex-husband recently totaled the vehicle, and while his insurance covered the loss, there was a waiting period before his gap insurance kicked in. During this time, no payments were made, resulting in further late payments being reported on my credit file. However, his failure to make payments is not my legal responsibility under the divorce decree, and XXXX has no right to continue holding me accountable for a loan that is not mine. 
Immediate Demand for Resolution : Remove this auto loan account from my credit report immediately. 
Cease all inaccurate reporting to the credit bureaus regarding my responsibility for this loan. 
Provide written confirmation that my name has been fully released from this financial obligation. 
Final Warning : If XXXX does not correct this issue immediately, I will escalate this matter to the Office of the Comptroller of the Currency ( OCC ) or the Federal Deposit Insurance Corporation ( FDIC ), one of which is your financial regulator. These agencies do not take violations lightly and impose heavy fines on lenders who fail to comply with legal obligations. 
You can either resolve this now, or you can explain it to federal regulators. The choice is yours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I went to the ATM machine, I deposited {$1200.00}, {$500.00} never got deposited accurately, which left me with {$700.00} deposited, {$200.00} were old XXXX dollar bills. I called Chase to file a claim and ti do a accurate investigation, claim was denied, ask for a second investigation and 12 hrs later claim again was denied. I tried calling the local bank to do their own investigation but the branch is hard to reach by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Request for Cease and Desist of Collection Communications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MS

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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I purchased tires from XXXX, using my Coinbase Card, when it was time to get them done on my car, XXXX informed they couldn't perform because of my car. So they issued a refund for the amount of {$310.00} on XX/XX/year> XXXX XXXX XXXX Transaction on my account came up as refund but it was declined. Called Coinbase and they needed the confirmation # from XXXX. I called XXXX and they provided me the confirmation #, which is XXXX, to show that it went through. It has been 5 weeks now, and they will not respond to me anymore on email and they keep giving me the run around when I call now. My Coinbase case # is XXXX. I can forward email thread and I have screen shots of talking with them on chat through the app. 

Coinbase Support help @ coinbase.com Coinbase Support Phone # ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-13 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: GA

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

This fraudulent, inaccurate, and false information consist of a personal credit card accounts opened with 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 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO Credit report. I have attached a list of the hard inquiries in question as well as 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, collection and hard inquiries are results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

These complaints were sent to TransUnion and i have not receive any response from them for over 30 days.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

This fraudulent, inaccurate, and false information consist of a personal credit card accounts opened with 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 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO Credit report. I have attached a list of the hard inquiries in question as well as 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, collection and hard inquiries are results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

These complaints were sent to TransUnion and i have not receive any response from them for over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two XXXX XXXX credit cards that are both open. One account is new with a {$3000.00} spending limit. That is being reported to Experian. The account I am writing you about is my XXXX XXXX account, which has a {$5500.00} spending limit. I have had this account for years. Experian used to report it and then it just fell off my Experian report early XXXX Back in XXXXXXXX XXXX XXXX I noticed that it was not reporting any longer and that is when I began to request that Experian add it back. First, Experian told me that I put the request in wrong and to request it differently. In which I did. Then I waited another month to be told by Experian that I had to request XXXX XXXX to submit proof to them of the account. So I called XXXX XXXX. They confirmed that they have never stopped reporting the card to Experian but that they would help me and write Experian a letter. They ended up trying to contact Experian twice. I have proof that I have attached to this complaint of the first letter XXXX XXXX mailed me. I have tried calling Experian multiple times and no one ever picks up the phone. The call says to go online but they have no option for missing accounts on their website. They made me go to a different web address to upload the proof. I have uploaded the XXXX XXXX letters and my monthly statements of the missing account and I never get a response from them. i have submitted everything to them three different times and never get a response and the account never gets added.

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 2025-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MS

Complaint narrative:
MY Tax refund was sent to someone's cash app account my name was listed on the deposited. I have been trying since XX/XX/XXXX to get something done about this situation. The funds were sent through The XXXX XXXX XXXX XXXX they are {$6800.00}, to be excact they are telling me to contact XXXXXXXX XXXX  and vice versa. I was told by cash app the funds should be reverted but they haven't been, I'm being told by both parties to contact each other when clearly I have no way of making either party give me my funds. I have my tax documents, complaints as well as communication between them please help

Company response to consumer: Closed with explanation