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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, 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.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which is the result of identity theft and fraud. These fraudulent accounts consist of a Collection opened at XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The account below have violated my rights 15 U.S.C 1681 section 602A.States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a cunsumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX **** XXXX XXXX : {$2200.00}

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 2025-04-05 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: GA

Complaint narrative:
After speaking to representative at transunion on XX/XX/year> in reference to unauthorized/ fraudulent inquires listed on my credit file..I was told to file FTC identity theft report list all the inquiries in order to have them removed..However, after sending the identity theft report Transunion did not remove the inquiries..under Fair Credit Reporting Act section 605b I. have the right to have information relating to identity theft blocked from my file within 4 days after receiving my written request and providing a police report or identity theft report..In which i have done..

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: CA

Complaint narrative:
In XX/XX/XXXX, I became aware of an education loan on my credit report that I did not apply for. I immediately contacted ED Financial Services ( the lender listed ), and was able to gain access into the account on their site. I found out my former legal name was and SSN used to sign up as a student in the University XXXX XXXX. I then filed a police report for Cyber Identity Theft because I am NOT a student, nor do I intend on becoming one. I have been going through a divorce since XX/XX/XXXX, so I have been doing everything I can to make wise financial decisions and pay off existing debts... I have no interest in creating new ones. I have submitted proof of the identity theft to all XXXX Credit Bureaus and ED Financial and have received little-to-no response. I have also submitted a complaint to the XXXX XXXX XXXX website. I was only made aware today ( XX/XX/XXXX ) that I am to submit a complaint to your organization, which is why I am only now doing so. Considering Fraud and Identity Theft are major security issues, I would expect for there to be some urgency and understanding in getting this matter taken care of. I need the loans discharged and removed from my credit report because I should not be deemed responsible for a debt that someone created by stealing my identity. Please help me solve this problem.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've noticed that my credit report lists incorrect personal information, and it's causing a fraudulent accountone Ive never seen or authorizedto show up under my name. Im a victim of XXXX XXXX, and my details were used without my consent. As advised by Equifax, I filed an FTC Identity Theft Report and submitted it, but despite this, the fraudulent item is still showing up. This has been already deleted by both XXXX and XXXX, continued reporting of this on my Equifax report is a blatant violation of my rights as a consumer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX  - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX  - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX - These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX INQUIRY XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX  - XXXX, XXXX XXXX XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX XXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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:
In XX/XX/XXXX, Experian removed a fraudulent XXXX XXXX XXXX XXXX account from my credit report after I submitted an FTC Identity Theft Report and police report. However, in XX/XX/XXXX, Experian reinserted the same tradeline under slightly altered metadata and a changed payment history without providing any written notice, as required by FCRA 1681i ( a ) ( 5 ) ( B ). 

The reinsertion included modified data such as the " Updated Date, '' " Status Updated Date, '' and backdated late payments for XXXX XXXX. These manipulations appear designed to evade Experians own internal safeguards exactly the tactics identified in the CFPBs current enforcement action against Experian announced XX/XX/XXXX. 

My credit score dropped from XXXX in XXXX to XXXX in XXXX, resulting in multiple denials and subprime credit offers. This occurred after Experian received my Demand for Arbitration on XX/XX/XXXX, which had already led to removal. The reinsertion after arbitration notice constitutes willful misconduct. 

I am submitting a complete complaint package including my FTC report, police report, credit reports from XXXX XXXX, sworn affidavit, and supporting documentation.

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: CL Holdings LLC
State: MD

Complaint narrative:
Subject : Final Response Legal Action to Follow for Ongoing FDCPA & FCRA Violations Account # : XXXX To Whom It May Concern, For over two years, I disputed the inaccuracies tied to Account # XXXX, and yet your company continued to report this unverifiable debt to the credit bureausdespite never providing proper debt validation as required by federal law. 
Now that Ive cited specific FDCPA and FCRA statutes, youve abruptly deleted the tradeline and ceased collectioncalling it a resolution. Let me be absolutely clear : This was not a courtesy. It was a delayed reaction to clear legal violations. 
At no point did you provide : A signed contract, A full payment history, Or a complete chain of title confirming the legitimacy of this debt. 
Deleting the tradeline now does not undo the damage donedamage which includes credit denials, higher interest rates, and reputational harm. And it certainly does not shield Jefferson Capital from legal accountability.

Since youve failed to offer a settlement or accept responsibility, I will proceed with filing a federal complaint for damages under : FDCPA 1692g ( b ), 1692e ( 8 ) FCRA 1681s-2 ( b ), 1681n, 1681o I will seek full statutory and actual damages totaling {$20000.00}, along with punitive damages where appropriate.

You will be served notice through the U.S. District Court for the District of Maryland. Please retain all documentation related to this account.

Company response to consumer: Closed with explanation
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: MI

Complaint narrative:
On or about XX/XX/XXXX I noticed an overdraft balance of {$47.00} after I had already turned off the overdraft coverage on XX/XX/XXXX when a company stole {$50.00} from me for an unauthorized purchase. I didn't want my money stolen again so that is why I turned it off. As I was searching for a transaction correlating to the overdraft balance of {$47.00} on XX/XX/XXXX I realized that there isn't one! Cashapp stole every dime I transferred from my savings to my cash balance until that {$47.00} charge was paid off. Since that day I have attempted to call, email, and chat with cashapp to have the stolen money returned. The agents I spoke to on the phone admitted that there was a fraudulent overdraft balance and that they could not see a charge/transaction related to said balance. I was told that the agents had to transfer the issue to their superiors and that I would be contacted by email within 24hours for a resolution. The emails I received were generic automated garbage that was irrelevant to the issue. I tried chatting in the app to get a refund and it's the same thing. I've explained over and over and showed them every shred of proof that cashapp stole my money and I just get lied to, treated like I am stupid and ignorant, and when I get angry about the situation I am told there is a a zero tolerance policy and then hung up on. I have all the emails of them deflecting and sending me unrelated irrelevant " info '', I have screenshots to prove the overdraft charge was fraudulent, and I have screenshots of the chats where I'm dismissed and lied to. The files that I have attached show that there is no transaction correlating to the random overdraft balance that showed up. They also show where I switched {$5.00} to my cash balance when I was going to purchase from a vending machine and that's when I noticed it said that {$5.00} was applied to the fraudulent overdraft balance. I then added {$60.00} to pay off the rest of the overdraft balance so that I had access to my money and could then finally use my card to purchase gas to get home from work. It won't let me upload anymore files but I also have the emails and chats.

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: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
My student loans were in deferment. Aidvantage did not have the correct email, phone number or address to notify me of late payments or deferment. My credit score dropped over XXXX points without my knowledge. No other information given once requested. Credit report and loans accessed without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Purchase Agreement and Validation of Debt Dear Midland Credit Management, I am writing to formally dispute the validity of the debt you claim I owe, associated with account number XXXX request that you provide proper documentation, including a copy of the purchase agreement or contract that establishes the legal transfer of the debt to your organization. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of the debt and any documentation that substantiates your claim. Specifically, I request the following : 1.A copy of the original purchase agreement or contract showing my obligation to pay the original creditor.

2.Proof that the debt was legally transferred or sold to your company.

3.A full accounting of the alleged debt, including the original balance, interest, fees, and any payments made.

Until this information is provided, I request that all collection efforts cease, and the account be marked as disputed with any credit reporting agencies to whom it has been reported.

Please note that failure to provide the requested documentation may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or my state attorney generals office.

I expect your written response within 30 days of receiving this letter. You may mail the requested information to my address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation