vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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 was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX CREDIT CARD ) XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, RE : SECOND DEMAND TO BLOCK FRAUDULENT ACCOUNTS UNDER FCRA 605B & METRO 2 COMPLIANCE I am formally issuing this SECOND DEMAND under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which clearly states that consumer reporting agencies must block fraudulent information within 4 business days of receiving proper documentation. 
Attached is my FTC Identity Theft Report ( Report # XXXX ), which verifies my claim of identity theft and lists specific accounts and inquiries that do not belong to me. You are legally obligated to block and remove these accounts and inquiries immediately. This is not a new dispute, this is a demand for compliance under the law. 
Fraudulent Items That Must Be Blocked Immediately 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  etc. 
These accounts were opened fraudulently as a direct result of my identity being compromised including during the Equifax data breach, in which my personal information was exposed without my consent. Equifax is already liable, and the continued reporting of this information by any bureau or furnisher will result in severe legal consequences.

Under CDIA Metro 2 and FCRA compliance, you are required to accurately report consumer data. You are currently in violation of that by continuing to report data that has been flagged as fraudulent with proper documentation. 
This is your final notice. If this erroneous and damaging information is not removed within 4 business days, I will proceed with civil litigation for : Each individual violation of the FCRA Failure to block fraudulent information under 605B Willful negligence in reporting false data under Metro 2 Damages resulting from identity theft and data exposure I am fully prepared to sue each entity involved including data furnishers and reporting agencies and will seek monetary damages, statutory penalties, court costs, and attorney fees.

You have been warned. This is my second time demanding removal, and your failure to comply is now being documented for legal use. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Im reaching out to dispute some incorrect information thats showing up on my credit report. Upon reviewing my report, I noticed an entry that is completely wrong, and I need this corrected immediately. The information in question is inaccurate, and I have no knowledge or involvement with it. It is vital that my credit report reflects only accurate data, as this could be affecting my financial standing.

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 2025-04-08 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: NY

Complaint narrative:
XXXX XXXX  Date Opened : XX/XX/2024 Late Date : XX/XX/2024 Payment Status : Current I am disputing the late payment reported for XX/XX/2024. To the best of my knowledge, this account has been paid on time and in full. I am requesting a thorough investigation of this inaccurate late mark if it can not be verified with supporting documentation. 

XXXX XXXX XXXX Date Opened : XX/XX/2024 late Dates : XX/XX/2024 and XX/XX/2024 Payment Status : Current I am disputing the reported late payments for XXXX and XX/XX/2024. These delinquencies do not match my payment records, and I believe they were reported in error. Please validate the accuracy of these entries, and if verification is not possible, kindly correct the late payments from my credit file in accordance with the FCRA. 

XXXX XXXX Date Opened : XX/XX/2024 Late Date : XX/XX/2024 Payment Status : Current I am disputing the late payment reported for XX/XX/2024. To the best of my knowledge, this account has been paid on time and in full. I am requesting a thorough investigation of this inaccurate late mark if it can not be verified with supporting documentation. 

XXXX XXXX XXXX Date Opened : XX/XX/2024 late Dates : XX/XX/2024 and XX/XX/2024 Payment Status : Current I am disputing the reported late payments for XXXX and XX/XX/2024. These delinquencies do not match my payment records, and I believe they were reported in error. Please validate the accuracy of these entries, and if verification is not possible, kindly correct the late payments from my credit file in accordance with the 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 2025-04-08 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: MI

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7200.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$7200.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6100.00}

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I was instructed to not use the teller but to use the ATM for a three check deposit. At XXXXXXXX XXXX  the ATM malfunctioned. 

The manager was immediately informed. She told me in two hours theyll have the images and my account would be credited. That didnt happen. 

A provisional credit for {$940.00} was issued but the checks total XXXX Check from XXXX XXXX XXXX Check from XXXX XXXX XXXX Check from XXXX XXXX I was informed on XX/XX/XXXX this would be a permanent credit. Then a new letter stated theyre reversing the credit. 

They state the checks were never recovered. I requested the machine be opened when it malfunctioned. I asked for video of when the machine was opened and was refused. I filed a police report. That the checks were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-04-08 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:
The information on XXXX  account is in error inaccurate and unverifiable. 
XXXX ) The account was closed on XX/XX/XXXX however they continued to report late payments past that date. 

XXXX ) the account is reporting XXXX balance however they claim that payment was late past the date the account was closed XXXX ) account shows last payment XX/XX/XXXX however they state last payment was XX/XX/XXXX This account is inaccurate unverifiable and incorrect. This account is in error. These consumer codes are being violated 15 U.S.C. 1681s-2 15 U.S. Code 1681i - Procedure in case of disputed accuracy 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  Date Opened : XX/XX/2024 Late Date : XX/XX/2024 Payment Status : Current I am disputing the late payment reported for XX/XX/2024. To the best of my knowledge, this account has been paid on time and in full. I am requesting a thorough investigation of this inaccurate late mark if it can not be verified with supporting documentation. 

XXXX XXXX XXXX Date Opened : XX/XX/2024 late Dates : XX/XX/2024 and XX/XX/2024 Payment Status : Current I am disputing the reported late payments for XXXX and XX/XX/2024. These delinquencies do not match my payment records, and I believe they were reported in error. Please validate the accuracy of these entries, and if verification is not possible, kindly correct the late payments from my credit file in accordance with the FCRA. 

XXXX XXXX Date Opened : XX/XX/2024 Late Date : XX/XX/2024 Payment Status : Current I am disputing the late payment reported for XX/XX/2024. To the best of my knowledge, this account has been paid on time and in full. I am requesting a thorough investigation of this inaccurate late mark if it can not be verified with supporting documentation. 

XXXX XXXX XXXX Date Opened : XX/XX/2024 late Dates : XX/XX/2024 and XX/XX/2024 Payment Status : Current I am disputing the reported late payments for XXXX and XX/XX/2024. These delinquencies do not match my payment records, and I believe they were reported in error. Please validate the accuracy of these entries, and if verification is not possible, kindly correct the late payments from my credit file in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
XXXX XXXX  Date Opened : XX/XX/2024 Late Date : XX/XX/2024 Payment Status : Current I am disputing the late payment reported for XX/XX/2024. To the best of my knowledge, this account has been paid on time and in full. I am requesting a thorough investigation of this inaccurate late mark if it can not be verified with supporting documentation. 

XXXX XXXX XXXX Date Opened : XX/XX/2024 late Dates : XX/XX/2024 and XX/XX/2024 Payment Status : Current I am disputing the reported late payments for XXXX and XX/XX/2024. These delinquencies do not match my payment records, and I believe they were reported in error. Please validate the accuracy of these entries, and if verification is not possible, kindly correct the late payments from my credit file in accordance with the FCRA. 

XXXX XXXX Date Opened : XX/XX/2024 Late Date : XX/XX/2024 Payment Status : Current I am disputing the late payment reported for XX/XX/2024. To the best of my knowledge, this account has been paid on time and in full. I am requesting a thorough investigation of this inaccurate late mark if it can not be verified with supporting documentation. 

XXXX XXXX XXXX Date Opened : XX/XX/2024 late Dates : XX/XX/2024 and XX/XX/2024 Payment Status : Current I am disputing the reported late payments for XXXX and XX/XX/2024. These delinquencies do not match my payment records, and I believe they were reported in error. Please validate the accuracy of these entries, and if verification is not possible, kindly correct the late payments from my credit file in accordance with the 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 non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
My credit is very important to me, and the mistakes on my credit report are getting on my nerves and it's causing me significant stress. There are mixed and fraudulent information on my report that are unknown to me and I never authorized or benefited from, and its affecting my ability to secure new credit. I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. This inaccuracy violates federal law and is unjustly affecting my credit standing. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. Please.. 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