vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Identity Theft Dispute Request to Block Fraudulent Account Under FCRA Section 605B Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA To Whom It May Concern, I am writing to dispute and request the immediate blocking and removal of a fraudulent account listed on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). 

The account in question is from XXXX XXXX XXXX, allegedly for a XXXX XXXX XXXX located in XXXX, Georgia. I am a resident of Tennessee, and I have never lived in or visited XXXX, nor have I ever entered into any agreement with XXXX XXXX or authorized any account under my name in that location. 

Upon receiving a fraud alert from my credit monitoring service, I confirmed that this account was opened and reported without my knowledge or consent. This is a clear case of identity theft. 

Under FCRA 605B, you are required to block the reporting of any information resulting from identity theft within four business days upon receipt of the following documentation : A copy of my FTC Identity Theft Report ( enclosed ) A copy of my government-issued photo ID ( enclosed ) A copy of a recent utility bill showing my current address ( enclosed ) Please confirm in writing that this account has been blocked from my credit file and will no longer appear in any future reports issued by your agency. If you need any additional documentation or clarification, do not hesitate to contact me.

Thank you for your prompt attention to this urgent matter.I am a victim of identity theft. I discovered this after receiving a fraud alert from my credit monitoring service, which indicated a collection account from XXXX XXXX in XXXX, Georgia had been added to my credit report. 

I have never lived in or visited XXXX, Georgia, and I have never signed up for any services or memberships with XXXX XXXX. I currently live in Tennessee, and all of my legitimate financial activity and personal accounts are based here. 

This XXXX XXXX account was opened and/or used without my knowledge or authorization. I did not give anyone permission to use my name, identity, or financial information to create or access any account with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I hereby lodge a formal complaint against TransUnion for its ongoing violations of the Fair Credit Reporting Act ( FCRA ) and its failure to safeguard my personally identifiable information following a data breach that facilitated identity theft. TransUnion is inaccurately reporting a series of fraudulent or compromised tradelinesincluding XXXX 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 and four XXXX student-loan records ( XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). TransUnions conduct violates FCRA 1681e ( b ) ( failure to follow reasonable procedures for maximum possible accuracy ), 1681c-2/605B ( duty to block identity-theft-related information within four business days ), 1681i ( duty to reinvestigate disputed information ), and 1681s-2 ( b ) ( duty to delete or correct information after notice from a consumer or furnisher ). Its inadequate data-security practices further constitute an unfair business practice under 15 U.S.C. 45 and contravene Gramm-Leach-Bliley Act 501 ( b ), 15 U.S.C. 6801 ( b ). Moreover, by continuing to disseminate erroneous XXXX loan data derived from my higher-education records, TransUnion is compromising education records protected under the Family Educational Rights and Privacy Act ( FERPA ) , 20 U.S.C. 1232g and 34 C.F.R. Part 99. These inaccuracies are materially harming my creditworthiness and financial opportunities. Pursuant to FCRA 605B, I request that the Consumer Financial Protection Bureau compel TransUnion to ( 1 ) permanently block these fraudulent accounts, ( 2 ) conduct a thorough reinvestigation within the statutory timeframe, and ( 3 ) implement and certify robust information-security controls to prevent further breaches and reporting violations.

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 2025-07-11 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-11 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-07-11 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding TransUnion failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, TransUnion failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that TransUnion immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Balance : {$70.00} These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, TransUnion is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts. 2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts. - A detailed explanation of the methods used to verify the accuracy of each account. The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-07-11 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) regarding the unexplained restriction of a critical feature on my account the ability to deposit physical paper money through their Paper Money Deposit feature.

As someone who frequently receives cash in hand from my job, Ive relied on this feature to manage my income and add funds to my Cash App balance. Recently, without warning or justification, I noticed that this feature was no longer available to me. There was no notice, email, or notification indicating a change, nor was I given any chance to address or dispute the decision. 

I contacted Cash App support and was told the following : They couldnt find the main reason why my access was revoked. 
There are several reasons this may happen, but they are not allowed to disclose any of them.

They could not override the decision or reinstate my access. 
They suggested I try again in the future or use another bank. 

This response is unacceptable. I am not asking for access to internal algorithms or trade secrets. I am simply asking why my access to a service I regularly used was restricted without cause or transparency. Denying me an explanation regarding access to my financial tools is not only deeply frustrating, but possibly unfair or discriminatory. 

Additionally, I have no record of policy violations or misuse of the feature. I have not received any warnings or notifications suggesting any problem with my account. I requested the matter be escalated to a supervisor, but no resolution was provided. 
On my account it advertises that my paper money deposit limit has been increased which is the total opposite and false advertising. 

Cash App is a financial platform, and withholding functionality without explanation interferes with my ability to manage income which may cause serious financial disruption. I respectfully request that the CFPB investigate this matter and advocate for greater transparency and accountability in Cash Apps handling of user restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, our home in XXXX XXXX, NY was flooded due to an upstairs neighbor 's faulty water heater valve. We filed a claim with our insurance ( XXXX, through XXXX ). Several bedrooms and closets, our bathroom, hallway and kitchen were affected. Our insurance company has issued us several checks ( issued to ourselves and TD bank since our mortgage is through TD bank ) in the past 2 months to help pay for the renovations ( our home was gutted and suffered significant damage ). Our first check was {$24000.00}, which we tried to deposit on XX/XX/year>. It was an electronic check, so XXXX XXXX ( TD bank manager at a branch in XXXX XXXX XXXX ) assisted us with that process. The check was then rejected by TD several days later, with the reason " irregular endorsement. '' We went back to the bank, resigned the check, and then the checkwas again returned and unable to be cashed. Since then, we have been issued more checks ( to help pay for the renovations, which we have paid out of pocket- other check was for {$5700.00} ), and the same issue persists. We have spoken to our branch managers, TD mortgage " experts, '', TD Care associates, and have emailed numerous senior customer care departments ( Customer and Advocacy & Insights Team, the TD XXXX Senior Customer Complaints Office ), to no avail. We had to pay for our renovations out of pocket due to the incompetence of TD Bank as a whole. No one has been able to assist us, and our insurance company has assured us that the checks are good/no issues on their end. We are exhausting our savings unnecessarily and are unable to get any answers. Please advise. We are frustrated and do not know where to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Last month I paid off my account in full. When I made the payment I was given the option for paying off the full amount owed. Now, this month I see an additional charge even though the card was paid in full. I called the card company and was told that it was interest owed from 2 months ago. They could not explain why this amount wasn't showing when I paid my card off because, as I told them, I would have paid all that I owed at the time of payoff. They said they could not remove the charges and advised that escalating the call would not resolve my issues. I feel this is a very dishonest and predatory business practice as this was not clearly stated anywhere when making my payment. I feel this charge is inaccurate and should be removed.

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