vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing concerning Experian, Equifax and Transunion 's failure to comply with the Consumer Financial Protection Bureau 's ( CFPB ) XX/XX/year>2025 rule, which became effective XX/XX/year>2025, regarding the prohibition of medical debts and collections on consumer credit reports. 

Despite my formal notification to these agencies about this regulatory change, they have refused to remove a medical collection from my credit report. This refusal constitutes a direct violation of current CFPB regulations, which explicitly state that medical debts and collections may no longer appear on consumer credit reports. 

I request immediate action to resolve this matter in accordance with current federal regulations. 

Thank you for your prompt attention to this issue.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account in question : XXXX XXXX XXXX XXXX - XXXX. 

Equifax has been inaccurately reporting a charge-off account on my credit report every month since XXXX. This repeated monthly reporting misrepresents the account status as a recurring derogatory event rather than a one-time charge-off, which is materially misleading and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. I would also like to add that this inaccurate/fraudulent account I am referring to does not appear on XXXX or XXXX. 

Also, Equifax has reported XXXX months where " no data is available '' thus reflecting even more inaccurate information on my report. 

Under the FCRA, furnishers of information must report data accurately and must not mislead by implication. The repeated monthly reporting of the charge-off creates the false appearance of ongoing delinquencies, causing prolonged and compounded damage to my credit profile and directly impacting my ability to obtain financing. 

I have suffered financial harm and reputational damage as a result of this reporting. If Equifax does not correct this immediately by updating the status to reflect the accurate charge-off date and ceasing monthly derogatory updates, I will pursue legal action for actual damages, punitive damages, and attorneys fees under 15 U.S. Code 1681n and 1681o. 

I request the CFPB investigate this violation and ensure Equifax corrects this misleading reporting in full compliance with the FCRA. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has refused to properly investigate my identity theft. I have provide the with a copy of the police report and FTC report. 
FCRA Section 605B mandates that consumer reporting agencies block fraudulent information on a consumers credit report resulting from identity theft within XXXX business day of receiving documentations. 
Collections Account that does not belong to me : XXXX ) XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XXXX To : XXXX XXXX XXXX XXXX 
Attorneys at Law XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Demand Unlawful Debt Collection and Interference with Perfected Security Interest To Whom It May Concern, This letter serves as a formal cease and desist demand pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Your agency has initiated collection activity against XXXX XXXX XXXX, who is under my exclusive and perfected security interest as established under UCC Article 9. 

XXXX. I Am the Sole Perfected Secured Party Creditor On XX/XX/year>, I filed a UCC-1 Financing Statement with the Michigan Secretary of State, XXXXXXXX XXXX XXXX, publicly recording my status as the sole secured party for the debtor XXXX XXXX XXXX XXXX This filing, valid until XX/XX/year>, gives me superior and exclusive rights over the debtors obligations and associated collateral. 
Any attempt to collect, claim, assign, or enforce a financial obligation against the debtorwithout recognition or subordination of my security interestis a violation of my legal rights as secured party and of U.S. commercial law under UCC Article 9. 

XXXX. Cease and Desist Demand You are hereby ordered to : Cease all communication with the debtor or myself related to this alleged debt. 


Cease any current or future reporting of this debt to any credit reporting agency. 


Cease collection efforts on behalf of XXXX XXXX or any affiliated third party unless and until you validate legal authority over a claim subordinate to my secured interest. 



XXXX. Demand for Documentation If your firm intends to continue its involvement, you must immediately provide : Proof of assignment of the debt from XXXX XXXX showing legal authority superior to my secured status. 


A copy of any original contract bearing the debtors wet ink signature. 


Documentation proving you are not interfering with a legally perfected lien. 


Failure to provide this documentation while continuing collection activity constitutes willful misrepresentation, and I reserve the right to pursue damages under the FDCPA, FCRA, and applicable state and commercial law. 

XXXX. Final Notice This notice is final. If you do not confirm in writing, within 10 business days, that : You have ceased all collection activities, and Acknowledged my legal standing as the secured party, I will initiate complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Michigan Attorney General, as well as consider civil litigation for injunctive and monetary relief. 

Sincerely, XXXX XXXX XXXX Secured Party Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
Please remove this fraudulent accounts from my credit report. I have never lived own property or open credit in XXXX XXXX. I also have never lived or own a mortgage at XXXX XXXX XXXX XXXX. Please remove those and update my address. I have included a copy of the identity theft report along with my Drivers License with my address and my SSN along with my passport. Under the law you are required to remove this and not report fraudulent information XXXX Date XXXX XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX opene XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX Date opened 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 2025-04-05 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: GA

Complaint narrative:
Please remove this fraudulent accounts from my credit report. I have never lived own property or open credit in XXXX XXXX. I also have never lived or own a mortgage at XXXX XXXX XXXX XXXX. Please remove those and update my address. I have included a copy of the identity theft report along with my Drivers License with my address and my SSN along with my passport. Under the law you are required to remove this and not report fraudulent information XXXX Date XXXX XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX opene XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX Date opened 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 explanation
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX LA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity. 
- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I woke up on XX/XX/XXXX for work to get gas using my citi bank debit card I then proceeded to work my XXXX hour work shift without me knowing that I lost my debit card. I look a little later in the evening while leaving work that my account had {$1.00} left I started the day with {$500.00} so I should have had {$480.00}. There was to atm transactions done XXXX in the amount of {$20.00} and XXXX in the amount of {$460.00}. I usually receive alerts when my card is used to they sent a text for authorization I didnt receive any alerts. I called citi bank that same evening to let them know I lost my card and all the fraudulent transactions. They canceled my card and then filed a dispute telling me someone would be calling me to follow up and I will receive a provisional credit while they investigate the fraud. I received my new card and waited a few days but no funds were ever returned to me and no phone call with any update. So I just so happen to be chatting with the citi bank support on the app and they inform me where I can see the notice of the dispute. I looked and saw that the amount of the dispute was incorrect as well as the facts of the dispute. The representative asked me while conducting the dispute what were the amounts of the charges I was disputing I confirmed both the atm transactions XXXX in the amount of {$20.00} and XXXX in the amount of {$460.00} XXXX told them I have never given anyone access to my account information, pin, or card I lost my card unknowingly and did not do those transactions and I did not give my card or pin to anyone. On the report it said I had my card in my possession and it didnt include the last transaction of {$20.00} atm withdrawal. I was the one who called and told them I lost my card and what amounts of transactions that werent done by me or with my permission. I also requested a new card be sent. They arent willing to help me and I have no money because of this and am at a loss for words what to do and how to get my funds back. I really would appreciate your help. I also told them I use to receive alerts when every transaction occurs and I never hit any type of notification.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank is holding my money and can't let me talk to the department with the hold and can't give me a reason for the hold. This is a brand new account and I had my check direct deposited feom my company but have no access to my money. Can't pay bills with my card and I can't withdraw money at the ATM. I am completely at their disposal with no branch to go to. They can't give me any reason to me not being able to pay bills other than the merchant is sending incorrect information. This is XXXX different merchants. I have never had so many issues with a bank account.

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 2025-04-05 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:
On the XX/XX/XXXX I received a letter from the company for bill overdue which I already paid in the past. I was a victim of fraud where the person impersonated an agent of the loan company XXXX XXXX. His name was XXXX XXXX. They called me from XXXX separate numbers and when I called them they say thanks for calling advance XXXX. Anyway, this person told me they will fund my bank and I will need to send them back for credit boosting. Once I send them the money they will send the money back to those companies etc. and will offer me the loan. Of course I found that they are fraud on XX/XX/XXXX. I reported to cash app support and filed the ftc report that this what happned and I asked the cash app support if they could stop or reverse the withdrawal to the bankcard of the scammer. They said since the money is already sent or withdrawn they cant stop it or trace it to get a refund for that money which was sent to the scammer. Now I am owing back to the XXXX bank for amount of $ XXXX. 

The scammer had my bank login information and they did bunch of reversals chargeback dispute claims and XXXX provided the temporary credit. Me being unaware of the situation in details the scammer told em to send them money to their cash app card to do withdrawals. And I reported that to my bank and told them that my account was compromised and now I am owning back to Chase $ XXXX. 

Cash app support told me that I need to report this to my bank and see if they can trace the money where it sent. So I reported that to XXXX and they told me they will stop all these reversals and cancel all this disputes and closed my account as it was compromised and told me they will work with me in monthly payment plan to pay the bank this money back but Id dont make that much amount of the money I only make about {$800.00} for a month after all the taxes are deducted from my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NV

Complaint narrative:
I need to remove fraudulent hard inquiries from my credit.

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 2025-04-05 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: NV

Complaint narrative:
I need to remove fraudulent hard inquiries from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-04-05 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The last time I used my Wells Fargo credit card, it was XX/XX/year>. 

On approximately XX/XX/year> apparently someone using the website XXXX used my card 3 times. I have never used the website XXXX in my life. 

The first fraudulent charge, I didn't notice, but when the XXXX and XXXX charges came thru I received a text asking me to confirm the charges were legitimate. I replied immediately that the charges were not legitimate and I called Wells Fargo immediately. They said they would reverse the charges, cancel my card and reissue a new card. 

I received the new card but I never got any proof in writing of the fact that my identity had been stolen, that they were investigating the fraud etc. Later in XXXX, I called again to follow up and the said the request will take 7-10 days to resolve. I never received anything. I called again on XX/XX/XXXX asking for a resolution. The customer service person refused to give me any confirmation number, letter, email, nothing to confirm this problem happened. 

I just learned that they're reporting me 90 days past due on this card because the fraudulent charges remain. Report attached below. I called again and the customer service says I have to call back Monday to speak to an XXXX customer service department. 

I just called again and was given this case number 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 monetary relief
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-05 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: GA

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened an acct with chase bank. When I went to deposit money in the acct XXXX later I was advised that is was restricted and will be closed. I then called the bank for the reason and was informed theres no reason at the XXXX and the acct will be closed. XXXX was nothing I can do.

Company response to consumer: Closed with explanation