vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: CO

Complaint narrative:
federal and state taxes was sent to credit karma now, I am requesting my refund to be given to me and they have sent me a fraudulent check that no bank will cash and when I called to ask them to please send me my money back they have told me that I need to talk to banks that doesn't have any information about what I am talking about. they told me to wait for email I never receive and now it has been over 3 weeks and I still haven't ' receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXXXXXX XXXX acct # : XXXX on XX/XX/XXXX with a balance of {$2600.00}, an XXXX XXXX  account opened at XXXX XXXX XXXX acct # : XXXX on XX/XX/XXXX with a balance of {$27000.00}, a XXXX XXXX account opened at XXXX XXXX XXXX XXXXXXXX acct # : XXXX on XXXX XXXX, XXXX with a balance of {$10000.00}, a retail XXXX XXXX opened at XXXXXXXX XXXX  XXXX acct XXXX : XXXX on XXXX. XXXX, XXXX with a balance of {$4200.00}, a XXXX XXXX opened at XXXX XXXXXXXX XXXX XXXX acct # : XXXX on XXXX XXXX with a balance of {$630.00}, a credit line opened at XXXX acct # : XXXX on XXXX. XXXX, XXXX with a balance of {$10000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-04-14 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: CA

Complaint narrative:
I recently noticed a credit inquiry on my report that I dont recognize. I never applied with this company and did not give permission for them to access my credit. This unexpected activity is troubling and has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CO

Complaint narrative:
XXXX  continues to put false debt collection on my credit report there is one there for {$300.00} that I have no idea XXXX  continue to drop my credit score it was XXXX now XXXX this is against my consumer credit rights its illegal and it fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I had {$50000.00} of student loans forgiven but XXXX is reporting that I owe {$75000.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been trying to pay my discover card for the last 1 month. When I call the number on the back XXXX it re-routes somewhere else except for account manager. Whoever picks up is unable to direct me back to the account manager.

This delayed payment by a month.

They also replaced my card.

I cant make a payment until I get a new card and they will not send me a new card until I make a payment.

There is no way for me to get in my payments.

I offered to pay 50 % down. 

When I called back and finally got an account manager they are requesting I submit my entire IRS report and tax return and all personal details to verify my address.

They refused to accept my State ID or other address verification.

Given the phone number directs me to somewhere else where the person is unable to direct me back to the Account Manager. I do not know if this is a fraud to send my IRS information.

I was told if I do not submit my IRS information. They will close my card.

The the three Credit Bureau should not penalize me because Discover made it impossible to make a payment. 

They claim XXXX validates and share IRS information to them. Emails validating did not come from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this formal complaint regarding the actions of " XXXX XXXX XXXX, '' which I believe to be in violation of my rights under federal law.

Specifically : Under 15 U.S.C. 1681 Section 602 ( a ), I have a right to privacy regarding my personal and financial information.

Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish a consumer report without the written instruction of the consumer.

To my knowledge, I have not provided any such written authorization to " XXXX & XXXX, '' nor have I initiated any business relationship with them that would justify the inclusion of their account on my credit report. 

I am requesting that this account be immediately investigated and, if found to be reported in violation of the FCRA, removed from my credit file. Please confirm receipt of this complaint and inform me of the steps being taken to resolve the issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this formal complaint regarding the actions of " XXXX XXXX XXXX, '' which I believe to be in violation of my rights under federal law.

Specifically : Under 15 U.S.C. 1681 Section 602 ( a ), I have a right to privacy regarding my personal and financial information.

Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency may not furnish a consumer report without the written instruction of the consumer.

To my knowledge, I have not provided any such written authorization to " XXXX & XXXX, '' nor have I initiated any business relationship with them that would justify the inclusion of their account on my credit report. 

I am requesting that this account be immediately investigated and, if found to be reported in violation of the FCRA, removed from my credit file. Please confirm receipt of this complaint and inform me of the steps being taken to resolve the issue. 

Sincerely, 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally contest the unjust and abrupt deactivation of my Square account. My account is registered under the email XXXX and phone number XXXX. I am the owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have fully verified my identity, completed all required questionnaires, and provided completely transparent and accurate information about my business. In addition, I have submitted screenshot proof of my account dashboard and the transactions in question to further demonstrate the legitimacy of my business and sales. 

On XX/XX/year>, I successfully completed two legitimate transactions one for {$100.00} and another for {$400.00}. These were for goods that have already been delivered to my customers, yet the associated funds are nowhere to be found in my account balance. Instead, Square has arbitrarily and without any justified reason chosen to deactivate my account and hold my funds. 

It is completely unreasonable and unacceptable to demand that I wait 90 days for access to money that I rightfully earned, especially after complying with all of Squares verification processes. This decision directly and unfairly impacts my small business and my livelihood.

I am demanding the immediate release of my funds without further delay. The handling of this situation has been highly unprofessional, and the lack of transparency from Square is extremely frustrating. If this issue is not resolved swiftly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my states Attorney General. 

Please respond promptly with the next steps to release my funds immediately. I expect this issue to be treated with the urgency it deserves. 

Sincerely, XXXX XXXX Email : XXXX Phone : XXXX Store Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-15 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: CA

Complaint narrative:
All this Inquiry 's are done fraudulently please investigate and remove all inquiry 's listed below. 

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led 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 the following items : Fraudulent credit card account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXX XXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXXXXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent Auto Loan account appearing opened at XXXX XXXXXXXX on XX/XX/XXXX Fraudulent late payment history appearing on loan account appearing opened at XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.I 've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2025-04-14 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : Date of Inquiry : Creditor/Collection Agency Name : Account Number : Issue : I did not authorize this company to pull my credit.

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FC

RA ( 15 U.S.C. 1681b ). Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-14 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: MD

Complaint narrative:
According to FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. They forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following account to be removed immediately from my report. Accounts : 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 2025-04-15 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: EdFinancial Services
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA..

Company response to consumer: Closed with explanation