vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: IL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-31 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: WI

Complaint narrative:
All XXXX credit bureaus Trans Union, Experian & Equifax are reporting fraud accounts on my reports ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) & for years have been violating my rights & violating FCRA Violations : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies ( CRAs ) are required to ensure the maximum possible accuracy of the information they report. I have attempted for years to have this fraud removed & been ignored & neglected & these XXXX credit bureaus keep stated these fraud accounts are verified & they are NOT verified lawfully, with wet signature proof.

Liability for Noncompliance : When Willful Noncompliance Could Constitute Fraud If the credit bureau knowingly provides false information or actively avoids correcting inaccuracies for financial or malicious purposes, this could align with fraudulent behavior. 
For instance, if a bureau verified disputes while continuing to sell inaccurate reports to creditors, this might constitute fraud, as it could show intent to deceive creditors and harm consumers. 
Definition of willful : A violation is considered willful if its consistent with authoritative guidance from a relevant agency. Its also considered willful if the credit reporting agency acted recklessly, meaning they knew or should have known they we re-violating the FCRA. 
Here are some reasons that you can launch a willful non compliance dispute/complaint against the credit agency : Failure to Correct or Remove Verified Errors Failing to Acknowledge Evidence of Identity Theft Reporting 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 2025-03-31 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: WI

Complaint narrative:
All XXXX credit bureaus Trans Union, Experian & Equifax are reporting fraud accounts on my reports ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) & for years have been violating my rights & violating FCRA Violations : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies ( CRAs ) are required to ensure the maximum possible accuracy of the information they report. I have attempted for years to have this fraud removed & been ignored & neglected & these XXXX credit bureaus keep stated these fraud accounts are verified & they are NOT verified lawfully, with wet signature proof.

Liability for Noncompliance : When Willful Noncompliance Could Constitute Fraud If the credit bureau knowingly provides false information or actively avoids correcting inaccuracies for financial or malicious purposes, this could align with fraudulent behavior. 
For instance, if a bureau verified disputes while continuing to sell inaccurate reports to creditors, this might constitute fraud, as it could show intent to deceive creditors and harm consumers. 
Definition of willful : A violation is considered willful if its consistent with authoritative guidance from a relevant agency. Its also considered willful if the credit reporting agency acted recklessly, meaning they knew or should have known they we re-violating the FCRA. 
Here are some reasons that you can launch a willful non compliance dispute/complaint against the credit agency : Failure to Correct or Remove Verified Errors Failing to Acknowledge Evidence of Identity Theft Reporting Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
XXXX XXXX XXXX reporting public record on my file that I haven't given permission to verify any unfurnished information credit agency in violation Per F.C.R.A 15 U.S.C 1681B I was told by the agency representative that the court has provide this information, but I have request information form court and receive a letter stating that they don't report to the credit reporting agency.

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 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I was a victim of a scam. I received a call from a " representative of XXXX  XXXX XXXX '' claiming that someone opened up an account in my name and was withdrawing money and they would help me resolve this situation. I used to have an account with XXXX  XXXX XXXX but it was closed. So through XXXX I sent {$XXXX} from my TD Bank checking account to a " fraudulent representative of Bank XXXX XXXX. 

Realizing that I was scammed, on XX/XX/year> I contacted TD Bank and asked to be refunded my {$XXXX} via XXXX. They investigated the transaction and concluded that an error did not occur. TD Bank determined the transaction was authorized and posted to my account appropriately. The investigation was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
Stole Stole My Identity & My Bank Information & Got A {$XXXX} Loan Out From XXXX  XXXX XXXX That I Did Not Authorize. Can You Please This False Account From My Credit Report ASAP. Thank You.

15 USC 1681i ( 5 )

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Revolut Technologies Inc.
State: NJ

Complaint narrative:
I am writing to express my deep dissatisfaction regarding my recent loan application experience. On XX/XX/year>, I was informed by XXXX XXXX XXXX that I had been approved for a loan of {$XXXX}, contingent on final verification by your lending partner. Unfortunately, XXXX failed to facilitate this verification, resulting in the expiration of my loan approval. I was only informed of this lapse on XX/XX/year>. 

This situation has been incredibly frustrating. Not only has my time been wasted, but XXXX also conducted a hard inquiry on my credit report, negatively impacting my XXXX XXXX and making future loans more challenging and costly to obtain. This outcome is entirely unacceptable. 

It is evident that XXXX does not possess the necessary resources to handle loan applications efficiently. If you are unable to properly manage the lending process, such services should not be offered. This experience has caused significant inconvenience and financial implications for me. 

I expect a prompt response addressing this issue and outlining how XXXX intends to rectify the situation. I would appreciate an explanation of how such oversight occurred and what steps will be taken to prevent similar issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
Had many unauthorized transactions amd had to make a new account. Now i cant get a free debit card and canr get ajold of any customer rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-31 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: NJ

Complaint narrative:
Equifax is willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report the XXXX XXXX account ( # XXXX ), even after it was disputed and removed by both XXXX and XXXX. Equifax previously sent me a letter stating that this account is not being reported, yet when I pulled my credit report on XX/XX/year>, I found that it is STILL listed and actively damaging my credit. This is not only MISLEADING but a blatant violation of FCRA statutes including 15 U.S.C. 1681i ( failure to conduct a proper reinvestigation ), 1681s-2 ( b ) ( knowingly reporting false and disputed data ), 1681e ( b ) ( failure to ensure maximum accuracy ), and 1681b ( reporting without a permissible purpose ). I never gave Equifax written authorization to report this account, and I have not received any verification, certification, or supporting documentation as required by law. This is now my second formal attempt to resolve this, and I demand that this matter be handled manually by a trained human reviewernot through E-OSCAR or any automated system. Equifaxs failure to act has caused me serious emotional distress, financial harm, and reputational damage, including interfering with my ability to qualify for housing. Their conduct shows willful noncompliance under 15 U.S.C. 1681n, for which I reserve my right to pursue full legal action. This account must be deleted immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
my information was leaked in the equifax data breach and accounts were opened under my name

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-31 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: AZ

Complaint narrative:
I do not recognize these addresses. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I received a 1099-k from Block Inc. f/k/a Square Inc.

It says I took {$2500.00} in payment card or third-party transactions in XX/XX/2024. It says there were 57 transactions and the merchant code was XXXX. 

I do not have a business Square or Cash account, and I do not have a business. I didn't take any payment card or third-party transactions in XXXX 

Neither Block nor Square were willing to take any action on the fraudulent account.

I suspect someone provided my SS # and address to be able to take payments for a business.

Company response to consumer: Closed with explanation