vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
Nothing was resolved money was never returned. The problem is still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: WV

Complaint narrative:
I am good standing with them but it was turned into the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
On XX/XX/XXXX I contacted XXXX via " chat line '' on account website, to inquire about either changing my calling plan as I had been getting ripped off by XXXX, or leaving XXXX after XXXX years. After a " documented '' XXXX hour " chat '' ( at my desk ) with a self-identified " manager '', and tremendous patience, we concluded that XXXX indeed wanted to keep me as a customer and I was moved to a new, competitive, " XXXX XXXX ''. I received email confirmation of the agreement. Several days later, I get a {$500.00} bill! Then, on XX/XX/XXXX, I spent XXXX hours speaking " live '' to a seemingly knowledgeable " manager '', who assured me all was " fixed '' and that my new plan would go into effect in XXXX days, no outstanding balances remain, and a new bill will arrive soon. Sure enough, XXXX weeks later, I get another bill for {$500.00}. In attempting to log into my XXXX old XXXX account, I was locked out and told to contact customer service. When calling Customer Service, my cellphone line was blocked and I was redirected to a voice line that told me to pay the bill ( on the XXXX XXXX ). Every time I call XXXX, I am blocked. The {$500.00} bill came XXXX last time in XX/XX/XXXX, with NO itemization, just a {$500.00} bill. XXXX can not provide a detailed itemization of the bill they keep sending me, just " Pay {$500.00} ''. Complete crooks and fraudsters! Shocking given the amount of time I have spent in trying to rectify this, stay with XXXX as a longtime loyal customer, and get confirmation from self identified " managers ''. Btw, both managers had claimed to have no insight or understanding of what the {$500.00} bill was for, but assured me that they will " take care of it '' and that my new plan would send details in the mail soon. The only thing that came was a {$500.00} bill, and NO detail or itemization. I left XXXX and took our family plan to another provider. Now, XXXX is illegally contacting my A+ credit reporting agencies stating I am in default. I've filed complaints with all credit reporting agencies. This harassment without justification nor documentation is outrageous, and damages my A+ credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
Upon checking my transunion credit report, they are currently still reporting inaccurate information regarding XXXX XXXX. This account does not belong 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
In XXXX or early XXXX, I financed a vehicle through XXXX XXXX XXXX XXXX. Due to unforeseen circumstances, I was incarcerated, and the vehicle was subsequently repossessed. This resulted in a charged-off account being reported on my credit report. As expected, this negative trade line remained for over seven years before being removed. 

Following my reintegration into society, I diligently worked to improve my credit standing, achieving a credit score of XXXX. Recently, I applied for a small, unsecured line of credit and was denied. This led me to discover the existence of ChexSystems and other consumer reporting agencies. 

I learned that XXXX XXXX reported an 'account abuse ' entry to ChexSystems in XXXX, more than five years after the vehicle repossession and account closure. This report cites a {$20.00} balance. I disputed this information with ChexSystems, but the dispute was verified. I appealed the verification and requested documentation, which was again verified. I then contacted ChexSystems directly to request documentation of the alleged 'abuse ' and their investigation process, but this request was denied. 

I believe this reporting may violate the Fair Credit Reporting Act ( FCRA ). It is concerning that an account closed over seven years ago and removed from the major credit bureaus can be reported years later to a less widely known reporting agency and verified as accurate. 

The account in question, which I believe was a required savings or checking account associated with the auto loan, was never actively used. It had no transactions, maintained a positive balance, and I do not recall explicitly opening it. I received no communication from XXXX XXXX regarding this account, despite my contact information remaining unchanged. The allegation of 'account abuse ' under these circumstances is highly questionable. I was unaware of the existence of this account. 

I respectfully request a thorough investigation into this matter and the removal of the 'account abuse ' report from ChexSystems 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 2025-03-08 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: PA

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 non-monetary relief
Consumer complaint received 2025-03-08 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: PA

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: OH

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

15 U.S.C 1681 section 602 A. 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

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


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

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 2025-03-08 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: LA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-08 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: LA

Complaint narrative:
XX/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 XXXXXX/XX/XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Immediate Deletion of Unauthorized Credit Inquiry Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiry that appeared on my TransUnion credit report immediately after I removed my credit freeze. The inquiry in question is from the auto dealer XXXX XXXX, referenced as XXXX XXXX. I did not authorize this inquiry, also XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXX and its presence violates my rights under the Fair Credit Reporting Act. 
I respectfully request that you : 1. Investigate this unauthorized inquiry immediately.

2. Delete all records of this inquiry from my credit file without delay, as required under the FCRA and all other applicable credit reporting rules.

3. Provide written confirmation of your investigation and the outcome of your findings. 
I have not provided consent for XXXX XXXX any aliated partyto conduct a credit inquiry. 
Under the FCRA, a credit inquiry may only be made with my explicit authorization. As such, I demand that this inquiry be removed from my file immediately. 
Enclosed is a copy of my credit report with the disputed inquiry highlighted for your review. I expect to receive written confirmation of the removal of this inquiry within 30 days in accordance with federal law. 
Should you require any additional documentation or information, please contact me at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I would like to see the original contract ( if there is one ) that I own this debt. I do not recognize this debt as being mine. I have been a victim of fraud and identity theft not once but 3 times. They state I opened this debt in XXXXXXXX XXXX XXXX which I did not do. I have disputed this with XXXX that did have false information under my report before.

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 2025-03-08 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: 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 non-monetary relief
Consumer complaint received 2025-03-07 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: MD

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 2025-03-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Date XX/XX/year> I have submitted several disputes through XXXX and XXXX. The issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
XX/XX/year> I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account reference XXXX XXXXXXXX I asked for my letters giving them authorization and permission to run my credit.I never gave them permission to run my credit report or anyone else to do so, if they received my information from another party which they said was XXXX XXXX XXXX I never gave them authorization or permission to run my credit or share my information with anyone.They in return threatened me with giving it to a Lawyer.I received emails and text messages saying this.I want this hard inquiry removed immediately please.15 USC 1692cc I asked them to remove it from my credit report immediately they hung up on me.I also explained that XXXX was compromised hacked an my information was stolen.Id like it to show on my credit report it was deleted.Thank You.

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 2025-03-08 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: 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 explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
LAST XXXX OF XXXX XXXX Under 15 U.S.C. 16811 ( 7 ) Method of verification - Description of re-investigation procedure. A consumer reporting agency shall provide to consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the Bussines name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnished, if reasonable available, by not later than 15 days after receiving a request from the consumer for that description. 
I disagree with the account listed below which appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TRANSUNION : XXXX, XXXX. # XXXX EXPERIAN : XXXXXXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, title VI SECTION 611 please provide the names and Bussines addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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