vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXBALANCE - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$900.00} XXXX/XXXX  - XXXX * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX/XXXX  - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$2400.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$150.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX * * * * XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX - XXXX * XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$150.00} XXXX/XXXX  XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1500.00} XXXX/XXXX  XXXX  - XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$990.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$990.00} XXXX/XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$300.00} XXXX/XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$910.00} XXXX  XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$3400.00} INQUIRIES XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-16 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: NV

Complaint narrative:
I previously had a recent complaint done here with CFPB and Experian. Experian removed said accounts that were reporting in error, and without notifying me they reported again. They did not investigate correctly, reversed what the originally did, and caused further harm to my ability to receive a loan as well as my general reporting. 

I have attached : -certified mail receipt -loan denial letter -demand letter

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 2025-04-16 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the handling of unauthorized transactions on my account with Branch App, totaling over {$3000.00}, following the theft of my phone and debit card on XX/XX/2025. 

On that date, both my phone and card were stolen at a gas station. Unfortunately, my phone did not have a PIN or password, and some sensitive banking information was stored in the XXXX app. Shortly after the theft, unauthorized withdrawals and transfers occurred from my account, totaling more than {$3000.00}. 

I promptly contacted Branch App to report the fraud and submitted a claim disputing the transactions. I had to submit 2 disputes due to the fact that there were transactions still pending. I was able to file the atm transaction first and then the other after they posted. The atm transaction equaled to a total of {$2800.00} and the other claims equaled to {$180.00} I was credited for the second claim that was filed but the found no error with the atm transactions that were filed first. After nine days, the atm claim was denied. I filed an appeal, which was reviewed and closed within just five days. The bank stated its decision was based on app activity and changes to the ATM withdrawal limit, implying I was responsible but found a error for the second dispute which was filed after the atm claims which makes no sense. 

At the time the transactions occurred, I did not have access to my phone or debit card. Despite this, the bank did not make any attempt to contact the merchant ( s ) involved, request surveillance footage, or investigate the matter further. My request to submit a second appeal was denied, and no further action was taken by the bank. 

I believe this violates protections afforded to consumers under Regulation E of the Electronic Fund Transfer Act ( EFTA ), which requires financial institutions to conduct a reasonable investigation of unauthorized transactions. I do not believe such an investigation occurred in this case. 

As a result, I have suffered a significant financial loss through no fault of my own. I respectfully request that this matter be re-examined, and that [ Bank Name ] be required to issue a refund and comply with its obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: OK

Complaint narrative:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge 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: MO

Complaint narrative:
Reported fraud multiple times and still be found resposible

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 2025-04-16 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: IL

Complaint narrative:
I was notified with a letter from XXXX from XXXX XXXX that they are investigation was considered a miss reputation so theyre not gon na remove anything off of my credit report when I have a police report a federal XXXX XXXX report and I also reported them to the CFPB. I have no knowledge of that account, I have been a victim of identity theft since XXXX  that car that they have underneath my information as well as another vehicle right now is out in the world and if they get pulled over, theyre going to jail in the car is being reported to the police station. I am at my last straw with this company. I would like to pursue a lawsuit. Ive given them a signed affidavit from their identity theft packet. Ive also sent the federal XXXX XXXX report and a written police report. Theres nothing else I could possibly do at this point but pursue a loss they will not remove the fraudulent information. They have to put it on somebody and as far as my contact information, XXXX and my contact number is XXXX. I cant update my information on the CFPB website

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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal id : XXXX My PayPal account was compromised and Hacked. An unauthorized GreenDOT account was added to my PayPal account. The XXXX account was unconfirmed with deposit pending ( see attached ) and on XX/XX/XXXX an amount of {$200.00} was unauthorized transferred from my PayPal account into unconfirmed XXXX account.I called customer services and opened paypal case : XXXX XXXX But my case was straight away denied. It is kindly requested to please refund {$200.00} considering the facts that XXXX account was unconfirmed ( deposit pending-see attached ). XXXX account was added by unauthorized unknown user.XXXX  account doesn't belong to me it was unauthorized therefore removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX or XXXX Date : XX/XX/XXXX To : Equifax XXXX Experian XXXX TransUnion Corresponding Bureau Address listed below ________________________________________ Re : Formal Demand for Immediate Deletion of Unverified Accounts Dear Equifax/Experian/TransUnion Dispute Department , This letter serves as formal notice and final demand for the immediate deletion of the following accounts currently being reported on my credit file, which remain unverified and in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX I have previously disputed these entries and repeatedly requested proper validation and documentation verifying that I legally owe the debts allegedly associated with these accounts. Despite my good faith efforts, your organization has failed to produce any legitimate evidence to support the continued reporting of these derogatory tradelines. 
Under the FCRA ( 15 U.S. Code 1681i ), a credit bureau is obligated to delete any information that can not be verified. You have no legal authority to continue reporting unverifiable or illegitimate information. This is not a requestit is a final demand for deletion. 
Let me be clear : You have had more than sufficient time to investigate these items. 
I am requesting deletion, not reinvestigation. 
Continued reporting of these unverified accounts constitutes willful negligence and may expose your agency to legal liability under federal law. 
I hereby demand the following : Immediate deletion of the above-listed accounts from my credit file.

A written statement clearly indicating whether or not your bureau is currently reporting any of these accounts. 
If your bureau is reporting any of these accounts, you are required to remove them within 15 days of this notice, or I will pursue legal remedies. 
Your continued reporting of these unverifiable and potentially inaccurate accounts is a violation of federal law and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil legal action.

I demand written confirmation that these accounts have been removed from my file and that no further unverifiable information will be reported in the future. 
Sincerely, XXXX XXXX ________________________________________ Credit Bureau Addresses : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX or XXXX Date : XX/XX/XXXX To : Equifax XXXX Experian XXXX TransUnion Corresponding Bureau Address listed below ________________________________________ Re : Formal Demand for Immediate Deletion of Unverified Accounts Dear Equifax/Experian/TransUnion Dispute Department , This letter serves as formal notice and final demand for the immediate deletion of the following accounts currently being reported on my credit file, which remain unverified and in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX I have previously disputed these entries and repeatedly requested proper validation and documentation verifying that I legally owe the debts allegedly associated with these accounts. Despite my good faith efforts, your organization has failed to produce any legitimate evidence to support the continued reporting of these derogatory tradelines. 
Under the FCRA ( 15 U.S. Code 1681i ), a credit bureau is obligated to delete any information that can not be verified. You have no legal authority to continue reporting unverifiable or illegitimate information. This is not a requestit is a final demand for deletion. 
Let me be clear : You have had more than sufficient time to investigate these items. 
I am requesting deletion, not reinvestigation. 
Continued reporting of these unverified accounts constitutes willful negligence and may expose your agency to legal liability under federal law. 
I hereby demand the following : Immediate deletion of the above-listed accounts from my credit file.

A written statement clearly indicating whether or not your bureau is currently reporting any of these accounts. 
If your bureau is reporting any of these accounts, you are required to remove them within 15 days of this notice, or I will pursue legal remedies. 
Your continued reporting of these unverifiable and potentially inaccurate accounts is a violation of federal law and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible civil legal action.

I demand written confirmation that these accounts have been removed from my file and that no further unverifiable information will be reported in the future. 
Sincerely, XXXX XXXX ________________________________________ Credit Bureau Addresses : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA 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 2025-04-16 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-16 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Activehours
State: NY

Complaint narrative:
On XX/XX/XXXX, a debit from the EarnIn app was withdrawn from my XXXX XXXX account without warning. The charge was for advances made in XXXX and XXXX XXXX years ago. I was not aware that I owed any outstanding balance, and I was never contacted about repayment. 

After I connected my new bank account to the app, EarnIn automatically withdrew the money without notifying me. This unexpected withdrawal caused my account balance to drop, and I disputed the transaction with XXXX XXXX. I initially received a temporary credit, but it was later reversed after EarnIn rejected the dispute. 

EarnIn has refused to reverse or refund the charge and has acknowledged that the transactions are from XXXX. However, I was never given any notice that these funds were still owed, and they made no attempt to collect until they had access to my new account years later. I believe this practice is deceptive and harmful, and I am requesting that this charge be reversed or refunded. 

I have included EarnIns statement and my correspondence with their customer service as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
So basically I have have XXXX hard inquiries on my credit report that I dont recognize and I would like to get them removed because I never took out a loan or used my information to get no loans or anything like that so I just need help

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 2025-04-16 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-16 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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