vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any 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 shalli ) 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.

Please remove the following items from my credit report, immediately : Equifax XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Experian XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Transunion XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments

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 2025-04-12 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: NC

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 XXXXB 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ive been a victim of identity theft and have proof! They still wont take this stuff off my credit knowing its fraud and not me! Experian, TransUnion, Equifax has breached my account again and again. They illegally post fraudulent information regarding my information on my credit report. I dont have any contract with Experian. Or any credit bureaus to obtain my information my rights to privacy has been violated under FDCPA and FCRA! I filed FTC report as for years. I have police reports as well and they told me this illegal. Under 15U.S.C. 1681i ( a ) ( 5 ), I demand the immediate, outdated, or unverified accounts and inquires!! Failure to comply within 30 days will result in fomal complaints CFPB, FTC, and legal action for damages under 15 U.S.C 1681n and 1681o.

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 2025-04-12 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: OH

Complaint narrative:
Ive been a victim of identity theft and have proof! They still wont take this stuff off my credit knowing its fraud and not me! Experian, TransUnion, Equifax has breached my account again and again. They illegally post fraudulent information regarding my information on my credit report. I dont have any contract with Experian. Or any credit bureaus to obtain my information my rights to privacy has been violated under FDCPA and FCRA! I filed FTC report as for years. I have police reports as well and they told me this illegal. Under 15U.S.C. 1681i ( a ) ( 5 ), I demand the immediate, outdated, or unverified accounts and inquires!! Failure to comply within 30 days will result in fomal complaints CFPB, FTC, and legal action for damages under 15 U.S.C 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I made a purchase through XXXX XXXX for plush toys totaling {$19.00} using my Cash App Card. At the time of purchase, the listing explicitly stated free shipping, which was a key reason I went through with the order. After the transaction was completed, the merchant refused to release the items unless I paid a nearly {$100.00} shipping feea fee that was never disclosed beforehand and directly contradicts the free shipping claim. 

I reached out to XXXX for a refund since the terms had changed and I was no longer able or willing to pay such an exorbitant shipping fee. They denied my refund. I was left without the product and without my money, while they held the items XXXX behind a bait-and-switch paywall. 

I disputed the charge through Cash App, explaining that I never received the goods and that the merchant changed the shipping terms after the fact. I uploaded screenshots, receipts, and documentation showing the merchants refusal to provide the goods or honor the original agreement. My dispute was denied with the explanation that the transaction was authorized and no error occurredbut authorization does not equal fulfillment, and the product was never delivered. 

I then requested the documentation that Cash App used to deny my claim. I was told an email would be sent, but it wasnt sent initially. I had to follow up multiple times over the course of days just to receive a copy. When I finally did, it simply reiterated that the dispute was denied, without acknowledging the core issue : the product was never delivered, and the merchant misrepresented the shipping terms. 

I attempted to escalate the issue again. Instead of a real re-investigation, I was told I needed to submit new information even though I had already provided everything relevant, and my core complaint hadnt been addressed. Support repeated the same lines, ignored the actual context, and ultimately closed the chat while insisting the case was reviewedeven though they clearly misunderstood ( or ignored ) the issue. 

I am now filing this complaint because I paid for a product I never received. The merchant refused to fulfill their end of the transaction or offer a refund. Cash App failed to properly investigate the situation and dismissed my dispute without adequate review. They have also failed to uphold their responsibilities under the Electronic Fund Transfer Act ( Regulation E ), particularly regarding unauthorized or undelivered goods. 

I am requesting a full refund of {$19.00} and a proper, unbiased review of this dispute. I also request that Cash App be reminded of their obligations to users under federal law and encouraged to take merchant abuse and deceptive practices more seriously. This is not just a financial issueits a matter of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX IT'S FRAUDULENT I HAVE NEVER HAD ACCOUNT SUCH THAT. I'VE SUBMITTED SEVERAL DISPUTES WITH CREDIT BERUES BUREAUS - XXXX AND EQUIFAX CAN NOT RESOLVE MY PROBLEM AND DELETE THAT ACCOUNT FROM MY REPORT. I'VE PROVIDED IDENTITY THEFT REPORT AND ALL OTHER DOCS THEY ASKED, BUT THEY DON'T WANT RESOLVE MY PROBLEM AND KEEP REPORT WRONG INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any 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 shalli ) 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.

Please remove the following items from my credit report, immediately : Equifax XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Experian XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Transunion XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any 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 shalli ) 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.

Please remove the following items from my credit report, immediately : Equifax XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Experian XXXX. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX Remove late payments XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments Transunion XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX Remove late payments

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: TN

Complaint narrative:
I XXXX XXXX contacted Sezzle today XX/XX/year> and asked them about a debt that is showed owed on my credit report they looked me up and said I did not owe Sezzle anything. 
I would like this debt removed from my credit as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I wanted to transfer XXXXXXXX XXXX from my Paypal XXXX account to my Paypal XXXX account. Before I did that, I contacted their customer service to confirm how much the fee is. They told me it would be a maximum of XXXXXXXX XXXX. Relied on that representation, I made the transaction, but they charged me XXXXXXXX XXXX. They said the reason was that it was considered as goods and service, but at the beginning when I talked to them, I told them it would be goods and service. 

Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NC

Complaint narrative:
I am a victim of identity fraud theft and in results are the following accounts not authorize by me or inaccurate information : XXXX XXXXXXXX XXXXopen-03-25-2022-Amount - {$350.00} XXXX XXXX XXXX-open-09-09-2022-Amount- {$990.00XXXX XXXX XXXXXXXX XXXX-open-XXXXAmount- {$880.00} XXXX XXXX XXXX-openXXXX-Amount- {$500.0XXXX XXXX-open-XXXXXXXX-Amount- {$1400.00} XXXX XXXX-open-XXXX-Amount- {$640.00} XXXX XXXX-open-XXXXAmount- {$300.00} XXXX XXXXXXXX XXXX  XXXX-openXXXXAmount- {$1800.00} XXXX XXXXXXXXopen-XXXXXXXXXXXX-Amount- {$3600.00} XXXX XXXX-OpenXXXXAmount- {$700.00} XXXX XXXX XXXXXXXX-OpenXXXXAmount- {$200.00} XXXXXXXX XXXX-Open-XXXX-Amount- {$400.00XXXX XXXX XXXX XXXXOpen-XXXXXXXXAmount- {$3100.00} XXXX-OpenXXXXAmount- {$700.00} XXXXXXXX XXXX XXXXOpen-XXXXAmount- {$3900.00} XXXXXXXX XXXX XXXXXXXX-OpenXXXX-Amount- {$11000.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXN.-OpenXXXXXXXX-Amount- {$190.00}

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 explanation
Consumer complaint received 2025-04-12 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 am formally reporting that TransUnion, Equifax, and Experian are causing me serious harm and distress. Their handling of my personal information has violated my privacy, my rights under the Fair Credit Reporting Act ( FCRA ), and potentially federal criminal statutes under Title 18. 

I believe these agencies are : Publishing or maintaining inaccurate or unauthorized data about me, Failing to properly investigate and correct errors when notified, Sharing my private information without valid consent. 

This has resulted in emotional distress, reputational damage, and denial of essential opportunities. Their actions may constitute willful misconduct and could rise to the level of criminal behavior. 

I demand immediate correction of any inaccurate data, full disclosure of all records tied to my name, and a halt to any further unauthorized use of my information. I reserve the right to take legal action and file complaints with the appropriate federal agencies. 

This is urgent and ongoing. I expect immediate attention to this matter. 

XXXX XXXX XXXX Account # : XXXX Balance : {$5100.00} Date opened : XX/XX/XXXX XXXX Account # : XXXX Balance : {$3900.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2800.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$460.00} Date opened : XX/XX/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 explanation