vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im writing to dispute an account that has appeared on my credit report, which I do not recognize or have any association with. This account is completely unknown to me, and I believe it has been mistakenly mixed into my credit file.

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 2025-04-03 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and ( 15 USC 1681b ( a ) ( 2 ) ) that the XXXX, XXXX and XXXX along with all applicable furnishers receiving this notice, 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 multiple accounts I did not authorize or give express written consent to be reported on my consumer report. 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 along with a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 have attached a copy of FTC Identity Theft Criminal Complaints 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. Accounts/Numbers COMENITYBANK/VICTORIA XXXX, COMENITYBANK/VICTORI XXXX, CB/VICSCRT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
looked over my consumer credit report and noticed fraudulent accounts.

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 2025-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, our account was prematurely closed with synchrony bank over, what they stated as, " missed payments ''. I provided them with a report from the bank, covering the previous two months showing all of the payments made, they stated they would look into it. This launched an investigation, which according to the legal statements on the back of the bill, during the investigation they can not collect the amount in question or report it as delinquent, which they did anyway. This led to never ending phone calls during hours I'm working, late at night and on the weekends. On XX/XX/XXXX, I contacted them again, trying to understand why I am being held financially responsible for missed payments when they closed my account and we lost access to the online payment portal on their website. In the time span between XX/XX/XXXX and XX/XX/XXXX, I have collected a spending report from my bank that shows every payment made to synchrony bank, it also shows no missed payments until they closed the account on XX/XX/XXXX, they even received a payment two days later. The spending report, shows the payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as " failed ''. When I reached out to our bank to find out why the payments failed, I was told they failed because synchrony bank rejected them. On XX/XX/XXXX, my fiance and I came to the agreement to stop making payments to them until the investigation was resolved. We never got contacted about a resolution. What I did discover on XX/XX/XXXX, was that some how they received a payment from us on XX/XX/XXXX, 30 days after we stopped the payments. We have been trying to get this resolved with them, but keep getting pushed around to other agents. We are quite frustrated as : THEY closed the account ; THEY closed the online payment portal ; THEY reject the payments coming from our bank, but we're the ones having to pay late payments and the fees to go with them, along with the derogatory marks on our credit report. In our phone calls with them, they give every reason why this is not their fault. My fiance and I did something wrong, the bank is in the wrong, anything except them taking accountability.

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 2025-04-03 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
Over two years ago, I paid off the vehicle in full, and US Bank sent me a letter releasing the title to me. However, they later attempted to reverse this and asked me to return the title. Despite accepting my payment, they refused to return it when I requested, and they have failed to provide the necessary 1099-C form that would show the debt was written off and canceled. I have repeatedly asked for the profit and loss statement from US Bank to confirm that the debt was written off, but they have not complied. This lack of transparency, along with their failure to return my payment or provide the 1099-C, amounts to fraudulent behavior on their part.

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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Review your dispute information below. You can edit it needed, and add an optional comment. 
If you want to dispute information in another section of your credit report, click DISPUTE SOMETHING ELSE. * When finished, click SUBMIT DISPUTE. 
*Note that if you are inactive for 15 minutes when disputing additional information, you will lose any progress you have made on the information you are currently disputing.

Collections CAINE & WEINER COMPANY INC Original creditor XXXX XXXX Issue type Last reported account status and account information Issue I paid this debt before this account went into collections. 
Dispute comments You have not made any dispute comments Supporting documents You have not uploaded any documents XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within 15 days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

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 2025-04-03 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: MD

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 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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/year> I sent letter demanding the following via certified mail : Signed debt validation Contract between them and original creditor authorizing them to collect debt Proof they are authorized in my resident state of Florida to collect debt ( per the XXXX XXXXonsumer access portal- they are NOT authorized as a debt collector to collect debt in my resident state of Florida ) Resurgent capital is in direct violation of statute 1692b ( 2 ) and 1692 ( a ) presenting the purchase of my private information from the original creditor and violation if my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-03 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-03 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-03 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: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: Nelnet, Inc.
State: OH

Complaint narrative:
I was told by a Nelnet employee in late XXXX that all student loan payments were still paused due to ongoing legal proceedings. They mentioned that my mothers parent plus loans and my loans did not have to be paid and to ignore the correspondence in the mail. I did what they said but it was incorrect. XXXX were due. My credit score dropped over XXXX points this past XXXX. I have been on multiple calls with representatives to explain the situation and I have been met with there is nothing they can do. Ultimately, this is their negligence on their employees part. I want the late payments taken off my report since I am current now and am on autopay for my loans. I have never missed a payment and the only reason I did was due to bad information by my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-03 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: SC

Complaint narrative:
Please take immediate action to block and remove unauthorized accounts from my credit report. I did not initiate these accounts and have no knowledge of their source. Under USC 1681g, I formally request their removal within 15 days. Enclosed are documents for your reference. Additionally, different versions of account information are appearing across multiple credit bureaus.

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 2025-04-03 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX - Opened XX/XX/XXXX With a balance of {$5200.00} Account number : XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$13000.00} Account number : XXXX XXXX - Opened XX/XX/XXXX With a balance of {$7900.00} Account number : XXXX XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$5800.00} Account number : XXXXXXXX XXXX  - Opened XX/XX/XXXX With a balance of {$3600.00} Account number ; XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$3800.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$11000.00} Account number : XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance of Account number : XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX With a balance of {$7.00} Account number : XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$160000.00} Account number : XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$7900.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXX XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting the removal of my XXXX XXXX account from my Equifax credit report due to previously inaccurate reporting. This account had been erroneously reported as severely delinquent despite being paid and resolved, which caused damage to my credit. XXXX has since updated their report of this account to show a {$0.00} balance and removed any derogatory status. Equifax, however, still lists the account with a status of At least XXXX days or more than XXXX payments past due, with no indication that it was paid. This derogatory status is a holdover from earlier reporting errors the account has since been paid in full, and XXXX has already corrected the record to reflect its proper status with no derogatory marks. Leaving this past-due label in place, especially with a {$0.00} balance and closed account, misrepresents the accounts current standing and continues to hurt my credit unfairly. I am requesting that Equifax delete this account entirely from my report as a fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I sent XXXX XXXX letter for verification in XXXXXXXX XXXX XXXX & never got a response I've also disputed XXXX XXXX & XXXX XXXX online dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NC

Complaint narrative:
I called The Social Security Administration XXXX XXXX to find out my XX/XX/year> Stimulus text from Cash App was legit and the money was sent. I told the XXXX Representative that it doesn't show in my CashApp account and that I received a text XXXXXXXX XXXX Monday, XX/XX/year> that a {$870.00} deposit was made and I took a screenshot. After speaking with the foreign sounding CashApp representative that didn't help recover my money and just told me it could take XXXX business days has lied as of today, no deposit shows in my account as I write this!!! Please investigate and use my complaint for any lawsuits, formal and or informal?!!!!! 
Thank you.!!!!!

Company response to consumer: Closed with explanation