vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no other names but XXXX XXXX XXXX and no other addresses but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX and Experian several times and they have failed to update my information. They continue to report inaccurate information which is hurting my credit score, credit worthiness and reputation.

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 2025-04-14 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: FL

Complaint narrative:
I have no other names but XXXX XXXX XXXX and no other addresses but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX and Experian several times and they have failed to update my information. They continue to report inaccurate information which is hurting my credit score, credit worthiness and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: GA

Complaint narrative:
The class action administrative City at the documentation for the claim received it in processed it now they're trying to throw out my claim about account that was closed before I even filed a claim the documents are in the transactions for cashapp plus I have the refund request from my bank card linked for the transactions cashapp wouldn't even consider disputing

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: 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX Balance {$1700.00} DEPTEDXXXX XXXXXXXX Balance {$1900.00} DEPTEDXXXX XXXXXXXX Balance {$1400.00}

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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: EQUIFAX, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, XXXX XXXXnd XX/XX/XXXXXXXX. My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute.

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed 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 XXXX - XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX - XX/XX/scrub>/2024 XXXX - XX/XX/year>2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 explanation
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that all consumer reporting agencies, including credit bureaus like XXXX, Experian, and TransUnion, report accurate and fair information on a consumer 's credit history. Specifically, it requires them to report information in a timely manner, and it gives consumers the right to dispute and correct any errors on their credit reports. Further more, all inacuracies, must be delete and or removed from the comsumer credit file. 
Here we see inaccuracies as marked by blue line under 1 ) Last Activity 2 ) Times XX/XX/year> Days Late XXXX ) High balance 4 ) XXXX clearly reports to Experian, XXXX and Transunion. However, it is an inaccuracy in this case as there is no report for 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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, Im writing to formally inquire about the {$400.00} promotion bonus associated with the Truist checking account I opened through your promotion page ( https : //www.truist.comXXXX XXXX  The offer, under promo code XXXX, states that to qualify for the bonus, a client must : * Open a new Truist checking account with the promo code * Receive two or more qualifying direct deposits totaling {$1000.00} or more within 120 days of account opening I opened my checking account on XX/XX/XXXX, which sets the 120-day qualification deadline at XX/XX/XXXX. 
Below are the direct deposits I received during that period ( all employer paychecks ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX across 7 direct deposits, satisfying the promotions requirements. 
If necessary, I can provide the corresponding paystubs. 

According to the promotion terms, the bonus should be credited within 4 weeks after meeting the criteria. However, as of XX/XX/XXXX, the bonus has not yet been applied to my account. 
Upon contacting customer support, I was informed that I might be ineligible due to having previously held a Truist checking account. While I did have an account in the past, it was closed in early XX/XX/XXXX. The promotion clearly states : Clients who have closed a personal checking account with Truist on or after XX/XX/XXXX are not eligible. 
Since my account was closed before this date, I believe I should be considered eligible under the stated terms. 

For your reference, Ive attached the following documents to support my claim : 1. A saved copy of the promotion terms at the time of account application 2. A welcome email confirming the promo code was successfully applied 3. Account statements from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, showing qualifying deposits Given that I have met all of the outlined eligibility criteria, I respectfully request that you review my case and process the {$400.00} promotion bonus accordingly. 
Please let me know if you require any additional information. 
I appreciate your attention to this matter and look forward to your response.

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 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. 
Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX XXXX. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : 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 2025-04-14 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: LD Holdings Group, LLC
State: VA

Complaint narrative:
The company did not remove the erroneous reporting of late payments for the month of XXXX, XXXX, and XXXX. That was their own fault due to negligence. This is a violation of FCRA 623 ( e ) and a violation of my rights as a consumer. This inaccurate reporting due to the fault of a representative has negatively impacted by ability as a consumer. I request this information be blocked from my credit report or shown as no data.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a formal dispute and identity theft documentation to EQUIFAX regarding fraudulent accounts that appeared on my credit report. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite complying fully with all legal requirements under this section, the credit bureau failed to block thXXXX fraudulent account from my file within the XXXX timeframe, as mandated by law. Instead, they wrongfully " verified '' the debt and left the account on my report, causing ongoing harm to my credit profile and financial standing. 

This is a clear violation of the FCRA, specifically 605B, which requires a credit reporting agency to block fraudulent information upon proper notification from the consumer. There is no legitimate basis for the continued reporting of this debt, and no lawful evidence has been presented to justify its presence. 

Furthermore, I have also submitted a formal complaint to the Federal Trade Commission ( FTC ) reference number XXXX regarding this matter, and have documented the bureaus reckless disregard of federal consumer protection laws. 

I request immediate action by the Consumer Financial Protection Bureau to investigate the conduct of EQUIFAX and enforce corrective measures, including but not limited to : Full removal ( block ) of the fraudulent account Review of the bureaus investigation procedures Accountability for failure to adhere to the legal requirements under FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau Subject : Complaint Against [ Credit Bureau for Violations of the Fair Credit Reporting Act and Request for Immediate Removal of Inaccurate Information I am writing to file a complaint against TRANSUNION XXXX for violations of the Fair Credit Reporting Act ( FCRA ). The accounts listed below on my credit report have contained inaccurate information for the past XXXX months, including outdated payments and balances, and lack of account numbers or contact information How can you validate anything for a dispute for the collections. Again i sent screen shot of my credit report, NO ACCOUNT NUMBERS NO PHONE NUMBER NO ADDRESS NO INFORMATION AT ALL THIS CANT BE VERIFIED this inaccurate information has destroy my credit, totally against the FCRA SO Know Under the FCRA, I am entitled to have accurate and verifiable information on my credit report. I request the immediate removal of the inaccurate information from my credit report to correct these violations. 
Thank you 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: 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I told the supervisor that someone use my identity to open a XXXX XXXX account and it was an identity theft she was like I could pay XXXX and they would not contact me anymore

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was notified that my account was part of several data breaches. Equifax has admitted to this data breach. My SSN was also part of a data breach with XXXX. As a result of the data breach I have several inaccuracies and accounts that don't not belong to me. I demand that these accounts be blocked and removed immediately. Accounts from XXXX and XXXX XXXX are a result of identity theft. I have attached an FTC identity report.

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: 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:
I disputed an account from Dept of Ed ( ending in XXXX ) on my Equifax report that does not appear on XXXX or XXXX. I submitted identity verification and cited legal grounds under the FCRA. Equifax rejected my dispute without showing how the account was verified. This account is inaccurate and unverifiable, and its presence violates FCRA sections 1681e ( b ), 1681i, and 1681c-2. I request the immediate removal of this tradeline from my Equifax report.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 



Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : Equifax 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. 
XXXX XXXX XXXX Account Number : XXXX High balance {$4900.00} Date Opened XX/XX/XXXX 4. 
XXXX XXXX XXXX Account Number : XXXX High balance {$760.00} Date Opened XX/XX/XXXX 5. 
XXXX XXXX XXXX Account Number : XXXX High balance {$1100.00} Date Opened XX/XX/XXXX 6. 
XXXX XXXX  XXXX Account Number : XXXX High balance {$730.00} Date Opened XX/XX/XXXX 7. 
XXXX XXXX XXXX  Account Number : XXXX High balance {$140000.00} Date Opened XX/XX/XXXX XXXX. 
XXXX XXXX Account Number : XXXX High balance {$330.00} Date Opened XX/XX/XXXX Experian 1. 
XXXX XXXX XXXX Account Number : XXXX High balance {$4900.00} Date Opened XX/XX/XXXX 2. 
XXXX XXXX XXXX Account Number : XXXX High balance {$760.00} Date Opened XX/XX/XXXX 3. 
XXXX XXXX XXXX Account Number : XXXX High balance {$1100.00} Date Opened XX/XX/XXXX 4. 
XXXX XXXX  XXXX Account Number : XXXX High balance {$0.00} Date Opened XX/XX/XXXX 5. 
XXXX XXXX XXXX Account Number : XXXX High balance {$140000.00} Date Opened XX/XX/XXXX 6. 
XXXX XXXX Account Number : XXXX High balance {$0.00} Date Opened XX/XX/XXXX Transunion 1. 
XXXX XXXX  XXXX Account Number : XXXX High balance {$730.00} Date Opened XX/XX/XXXX 2. 
XXXX XXXX XXXX  Account Number : XXXX High balance {$4900.00} Date Opened XX/XX/XXXX 3. 
XXXX XXXX XXXX Account Number : XXXX High balance {$760.00} Date Opened XX/XX/XXXX 4. 
XXXX XXXX XXXX Account Number : XXXX High balance {$1100.00} Date Opened XX/XX/XXXX 5. 
XXXX XXXX XXXX  Account Number : XXXX High balance {$140000.00} Date Opened XX/XX/XXXX 6. 
XXXX XXXXXXXX Account Number : XXXX High balance {$410.00} Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief