vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXXXXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Against TransUnion for FCRA Violation Delayed Dispute Investigation On XX/XX/year>, I sent a certified dispute letter to TransUnion regarding inaccuracies on my credit report. The XXXX tracking number for the delivery is XXXX, and records confirm that it was successfully delivered. 

TransUnion initially opened my dispute on XX/XX/year>, according to their online records and emails that I have received from them. However, this morning XX/XX/year> I checked their website and noticed that they changed the dispute open date to XX/XX/year> without providing any explanation. It appears that TransUnion is intentionally delaying the dispute process by resetting the timeline, violating the Fair Credit Reporting Act ( FCRA ), which mandates that disputes be investigated and resolved within 30 days of receipt. 

I have evidence proving that TransUnion received my dispute on time and that they are manipulating the dates to avoid compliance. As of today, my dispute has been open for more than 30 days without proper resolution. This delay and manipulation are unfair and illegal under the FCRA. 

I respectfully request that the CFPB take immediate action against TransUnion for these practices. I also request that TransUnion be required to properly and promptly resolve my dispute as the law demands. 

I am prepared to provide all supporting documentation, including proof of delivery and screenshots of the date changes. 

Thank you for your assistance.

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 2025-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXX CAPITAL ONE Bank XXXX XXXX XXXX CAOF Finance 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 CAPITAL ONE Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE Bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I wanted to transfer my balance onto another link account they told me send pictures of ID, bank statements, I did that I was able to add bank account but not transfer money they said they want selfies another bank account transactions and they want to know where my deposit came from at this point I just want my money released they dont have money to put it an account they can send me a check the amount is {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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 2025-04-28 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: LA

Complaint narrative:
Consumer Name XXXX 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 TRANSUNIO 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 credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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, 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 Complaint # ( private case number ) as proof from the XXXX 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 2025-04-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX XXXX 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 any 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 of 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: V and H Portfolio
State: LA

Complaint narrative:
Companies involved are. Vance and Huffman. XXXX XXXX XXXX. XXXX XXXX XXXX They sold my information to these companies which is already against the law and they never attempted to let me know. Never sent me a letter or anything to confirm they were taking over the date. I don't even know if the debt they bought is mine or is even accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
Navy Federal Credit Union withdrew {$420.00} from my bank account on XX/XX/XXXX without warning, citing an old charged-off credit card from over three years ago. 

In XX/XX/XXXX, when I contacted Navy Federal, they informed me that the account was no longer being handled by them, and had been transferred to a third-party, foreign collection agency. I was told they would not be collecting on it directly. Based on that communication, I had no reason to expect that Navy Federal would seize money from my personal bank account.

Without any warning or update that they had " reacquired '' the account, they drained my bank account completely. I am a full-time cXXXX XXXX with no income. I was relying on that {$420.00} to survive until my next XXXX XXXX refund, and I now have no money for food, medication, or to pay my auto insurance, which will lapse. 

Navy Federal only offered to return {$100.00} of my money if I agreed to a $ XXXXmonth payment plan, leaving me still without critical funds. 

I believe this constitutes an unfair, deceptive, and abusive financial practice under CFPB guidelines, and I am requesting an immediate investigation and a full refund of the seized funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., regarding the inaccuracies I have identified in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) This formal complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within four ( 4 ) business days of receiving this notification.

The following fraudulent, inaccurate, and false information, directly resulting from identity theft, is present on my credit report and must be blocked : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number ( private ). 

These fraudulently opened accounts have generated in unwarranted collection attempts being reported on my consumer FICO credit report. As evidence, I have attached a detailed list of these fraudulent collections, accounts and a copy of my consumer FICO credit report, as maintained by TransUnion, clearly displaying these fraudulent items.

I unequivocally state that I do not recognize any of the aforementioned accounts or associated collections. These entries on my credit report were neither initiated, authorized, nor made by me. All of these negative items are a direct consequence of identity theft and fraud, causing significant damage to my creditworthiness and financial well-being.

Further irrefutable proof of this identity theft and fraud is provided in the attached copy of the official Federal Trade Commission ( FTC ) Identity Theft Criminal Complaint # ( private case number ). This report substantiates that the disputed items are indeed the result of criminal activity and not legitimate financial obligations incurred by me.

Therefore, in accordance with my rights under the FCRA 605B, I demand the immediate blocking of all the identified fraudulent information from my credit report within the statutory timeframe of four ( 4 ) business days. Your prompt attention to this urgent matter is required to rectify the inaccuracies caused by this identity theft.

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 2025-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/year>, I transferred money from my XXXX XXXX American Express, Serve pre-paid debit card that my tax refund was put on to my regular bank account. The app they have you download said, it would be XXXX business days once I verify my bank account, with XXXX small deposits I have to verify. I verified both amounts, but the money I tried to transfer never showed up. I called XXXX  customer service and they told me that the transfer was denied. I have the confirmation number and a screenshot showing it was completed. The money is in neither account. Everytime I call customer service and explain my situation, I get transferred to a supervisor that either tells me the money will be put back on my American Express XXXX  card instantly or they just hang up on me. I've complained so much, that I believe they've locked my card, blocking it from receiving my state tax refund and a small deposit that was to be refunded to the XXXX  XXXX  around XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Tried to check my credit score and report because I am trying to rent this house and need to know what my score is. But wasnt able to view my credit score or report just got the same message as the property manager did. Filled out rental house application form for credit check and background check. Got message from property manager saying, XXXX XXXX has no credit score and the report states " information from your inquiry has been identified as potentially fraudulent or misused, therefore the credit report is not available for delivery ''. 

While trying to fill out my taxes, i ended up not being able to file them because i needed my XXXX  number. Went to irs website to get the XXXX  number, i tried to create an id.me account so i could set up an irs account. I was directed to use XXXX  website to prove I am XXXX XXXX. While trying to fill out required information and I recieved a message saying my information is connected to an XXXX email address, I have never had an XXXX account or signed up for an irs account. I filled out the help form on the XXXX website and recieved a reply back telling me to try to make another id.me account. I got the same response again with wrong email address. 

Tried to set up an equifax account but it wouldnt let me, so I called them and was told to send an information form filled out and copies of id, ssi card, etc to them. So they can try to figure out what is wrong and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Multiple incorrect inquiries, incorrect debts and incorrect information on my report

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 2025-04-28 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: PA

Complaint narrative:
This letter serves as my final demand regarding the unverified negative account that remains inaccurately listed on my credit report despite multiple previous disputes and your assurances of investigation. 
Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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, 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 non-monetary relief
Consumer complaint received 2025-04-28 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: HI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief