vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( 15 U.S.C. XXXX ) that you, 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. 


I am filing this FTC Identity Theft Affidavit to three fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/2023 under account number XXXX, a credit card opened at XXXX on XX/XX/2023under account number XXXX, and a credit card opened at XXXX XXXX on XX/XX/2023 under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-10 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: MD

Complaint narrative:
I have asked all three credit agencies to investigate XXXX XXXX XXXX. They have reported charge off every month for a year in payment status.. section XXXX I notified Equifax Experian and transuion they needed to investigate and notify the furnished and they did a lousy job. That harmed me and I'm suing them. XXXX XXXX reported the status as charge off multiple consecutive months which is inaccurate reporting. For the fcra reporting standards and XXXX XXXX believes this to be acceptable. I have reported this in disputed and they failed to investigatea reasonable and are still reporting inaccurate information.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Contacted company on XXXX or XXXX and agreed to a payment plan to keep card payment up to date, however on XXXX, they subtracted XXXX points from my credit score for delinquency payment, even though the company and I agreed on this plan, this is outrageous.

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 2025-03-10 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXXC tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I got multiple messages from Cash App saying somebody removed my phone number, any devices associated with my account, they changed my PIN number. I was hacked and they are not trying to give me my money back It happened on XX/XX/XXXX its five transactions they tried to take more I contacted them why the hacker was hacking my account and told them to freeze my account but they didnt do anything but help me get back into my account and by then the hacker had stolen all my money the transaction was {$290.00} {$720.00} {$560.00} {$96.00} {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Even with a pending lawsuit company still refused to investigate issues related to fraud and lack of investigation. Attached youll see my Experian report updated for 2025. Youll see it has no poor remarks as all fraud files have been removed. You will also see all the accounts Equifax has refused to investigate are not on this account.

VIOLATION U.S.C. 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 shall - 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 ; EQUFIAX has been provided all the required information and has still on multiple occasions for 5 years refused to resolve the issue. Even when under legal review they still refused to do theirs jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am submitting a formal complaint for failing to properly verify multiple disputed accounts on my credit report. Despite my previous disputes, they have wrongfully marked the accounts as verified, yet has not provided any actual proof of verification, violating my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( B ). 

The accounts in question include : XXXX XXXX XXXX  ( XXXX XXXXXXXX ) XXXX XXXX  ( XXXX XXXXXXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) Additionally, unauthorized inquiries from XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX  ) remain on my report despite my request for 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 2025-03-10 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 am submitting a formal complaint for failing to properly verify multiple disputed accounts on my credit report. Despite my previous disputes, they have wrongfully marked the accounts as verified, yet has not provided any actual proof of verification, violating my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( B ). 

The accounts in question include : XXXX XXXX XXXX  ( XXXX XXXXXXXX ) XXXX XXXX  ( XXXX XXXXXXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) Additionally, unauthorized inquiries from XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX  ) remain on my report despite my request for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX ss # XXXX 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. 
Account name, XXXX XXXX XXXX has violated my rights. 
Original Creditor : XXXXXXXX XXXX XXXX  Balance {$100.00} Account # XXXX Date Opened XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2025-03-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX ss # XXXX 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. 
Account name, XXXX XXXX XXXX has violated my rights. 
Original Creditor : XXXXXXXX XXXX XXXX  Balance {$100.00} Account # XXXX Date Opened XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-03-10 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: DISCOVER BANK
State: GA

Complaint narrative:
These companies are reporting late payments on my credit reports for accounts that have been either closed or charged off. Despite my efforts to resolve this matter through direct communication with each of these institutions, they have failed to correct the reporting errors. 

Additionally, I have not received the required IRS Form 1099-C for any canceled debt associated with these accounts. The absence of this form has prevented me from properly addressing the matter on my tax filings. 

Due to their failure to rectify the situation, I have taken the step of reporting these institutions to the IRS for non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-03-10 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. CXXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: GA

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 XXXX 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 XXXXB 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 non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I contacted Barclays on XX/XX/2025 after receiving a denial offer for my credit card application. I requested them to provide an authenticated copy of the off-ledger account balance that proves beyond a shadow of a doubt that the account of XXXX XXXX has insufficient credits to serve as collateral for a credit card account to my benefit as the beneficiary. I also requested that they prove, through sworn testimony, that they have not accessed the credits of XXXX XXXX after receiving my authorization to access the account, and that they have gained no monetary benefit from such access. I sent this notice via USPS Certified Mail, Return Receipt on XX/XX/2025 and it was delivered to them on XX/XX/2025. It has been well over 30 days and I have received NO valid response. I am attaching a copy of this notice sent, which includes the tracking information from USPS. 

They accepted my credit card application, with my wet signature and I have strong reason to believe that they have turned my application and signature into a performance contract and presented it to the FED window, generating digital dollar credits many times over what they supposedly considered extending me in terms of credit for this credit card. 

I have strong reason to believe that they also additionally securitized and derivatized this performance contract to net multiple times more digital dollars, and also potentially gained further from fractionalized lending from those credits. 
They did thisall while denying me a credit card from the same application which generated these enormous credits for them.

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 2025-03-10 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: FL

Complaint narrative:
My wallet was lost in my card was overdraft a few times while XXXX XXXX XXXX XXXX I could not call anyone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Dispute 1XXXX XXXX ( XXXX XXXX XXXX ) XXXX : Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and Remarks Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. 
The report shows I was late on above mentioned dates, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. Please find a history of my payments with XXXX XXXX XXXX, indicating no late payments. 
I have attached a copy of my report with the accounts in question circled. 

Dispute 2 - XXXX XXXX  XXXX XXXX XXXX XXXX Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX, and XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. 
Please find my bank statements from XX/XX/XXXX and XX/XX/XXXX, disputing the charges in question. 
Dispute 3 - Ford Motor Credit Source of dispute information : XXXX XXXX Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. There are conflicting reports on the accuracy of a false late between on the other 2 credit bureaus as well. 
Please find my bank statements from XX/XX/XXXX, disputing the charges in question.

Company response to consumer: Closed with explanation