vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: TN

Complaint narrative:
Subject : Follow-up to CFPB Complaint ID # XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX ) ** To Whom It May Concern, This communication is in reference to my previously submitted complaint to the CFPB under Case ID XXXX, regarding the inaccurate reporting of XXXX XXXX XXXX XXXX on my TransUnion credit report XXXX 

While your investigation resulted in an updated Last Reported date ( from XX/XX/XXXX to XX/XX/XXXX ), this cosmetic change does not resolve the material errors I previously outlined, and which continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 



Ongoing Inaccuracies & FCRA Violations : 1. Inaccurate Account Status The account is listed as Paid ( correct ), but still shows Collection/Chargeoff as the payment status.

This is misleading because the balance is {$0.00} and the account was legally settled.

. Violation : FCRA 623 ( a ) ( 2 ) failure to update information accurately.

2. Misleading Payment History The account reflects a string of CO ( charge-off ) entries even during months when it was already closed and settled.

This implies ongoing delinquencies which did not occur.

Violation : FCRA 607 ( b ) failure to ensure maximum possible accuracy.

3. Incorrect High Credit & Credit Limit TransUnion reports : High Credit : {$550.00} ( correct ) Credit Limit : {$300.00} ( correct ) But the XXXX limit is still reporting as {$0.00}. This inconsistency underscores a broader data handling issue across bureaus. 



4. Conflicting Date of Last PaymenXXXX TransUnion now shows XX/XX/XXXX ( correct ), but other bureaus report outdated or inaccurate dates ( e.g., XXXX shows XX/XX/XXXX ). 
This kind of inconsistency negatively impacts scoring models. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) Evidence Supplied I have submitted before and after screenshots clearly showing the limited nature of the update made and the persistence of false and misleading information.

Requested Resolution I am again requesting one of the following : Immediate deletion of this tradeline for failure to meet FCRA accuracy standards OR Correction of all the following fields : Payment status updated to reflect Settled Paid Removal of CO notations post-payment Alignment of Last Reported and Last Payment dates across all fields If not resolved promptly, I will proceed with escalation to the CFPB with documented evidence of TransUnions noncompliance and willful neglect of federal consumer reporting laws. 

Thank you, 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 2025-03-22 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: NY

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-22 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: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I made to money transfers from my bank account to Cash App ( two different days ) 3 days later my cash app account was negative because they said the transactions got disputed by me. I didn't dispute anything, my bank has no evidence of any disputes, and Cash App can't show me any proof of what they are claiming. I cleared the 2 negative amounts.

I asked Cash App send me something that tells them the 2 transactions were disputed, I could show my bank. Cash App has nothing they can send me??? I'm out {$26.00} and no proof. So I respectfully requested a refund. I should get more then {$26.00} because of the amount of time I have had to invested in this problem. Cash App, my bank and myself all agreed the transactions were successfully completed the day I didn't the transfer. 3 days later is when I suddenly get cash app telling me the transactions were disputed, but can't prove it. I keep getting the exact same response from cash app which is a pre typed message they just keep sending. My back has no record of any disputes they did show me where the transactions were completed. Cash App agreed they were completed. 3 days later they kick.it back. I question them and they have no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: IL

Complaint narrative:
My name and date of birth is in correct on all 3 credit line also the addresses

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 2025-03-22 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: IL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$490.00} Original Creditor : XXXX XXXX XXXX Balance {$77.00} XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CRED Technologies dba cred.ai
State: WA

Complaint narrative:
In XXXX I went to XXXX and had a medical emergency so I had to immediately fly home my wallet, phone, and a ninetendo switch were all stolen as they were in a bag with me. I have. Proof of the airline travel, of the XXXX stolen phone replacement and this is the first time I have filed a dispute that I know of. My account had {$7500.00} deposited in XXXX and was about to have another {$3200.00} in two weeks and now I have to go in search of a new bank? And why would these fraudulent transactions - Acct # : XXXX Date Reported : XX/XX/year> Transaction Description ( s ) and Amounts Disputed : Purchase @ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - XX/XX/year> -- - {$210.00} Purchase @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> -- - {$73.00} Purchase @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- - XX/XX/year> -- - {$100.00} Purchase @ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -- - XX/XX/year> -- - {$48.00} Purchase @ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX -- - XX/XX/year> -- - {$81.00} Purchase @ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- - {$24.00} Took place when I was on a XXXX flight to XXXX Washington

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company 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 2025-03-22 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company 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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Comerica
State: MT

Complaint narrative:
I was scammed by a person saying they were offering a high pay XXXX XXXX and I accepted check payments from them for equipment to purchase. They made me add the money they sent to XXXX XXXX then buy bitcoin and send it to them. I called the bank they understood I got scammed yet i still owe {$750.00} when I lost {$500.00} of my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> i responded to an ad for an interest free Citibank credit card. As I went through the application process I was informed that my credit limit was a ridiculously low {$3000.00}. I stopped the process at a prompt which said " Click here to complete your application ''. I did not continue.

30 minutes later I received notice from credit bureaus that my credit rating had been impacted by a " hard hit ''. I NEVER completed the application!!

After over a hour on the phone with Citibank, and being bounced around to 5 different people, they refused to help me. They refused to withdraw the application, refused to withdraw the credit inquiry and refused to cancel the card. The told me that I need to wait for the card, which I do not want, and then cancel it. That means a second hard hit on my credit rating when I cancel it. 

This is criminal. I did not complete the application, I do not want this card, and I want my credit report rectified.

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 2025-03-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX account was frozen more than one month ago after I had received a direct deposit under a previous name. They have yet to unfreeze my account and let me withdraw my funds. This company has no right to hold my funds even if their argument is correct and there is suspicious activity, as that is not legally a reason to hold my funds that I am entitled to. I tried to contact XXXX XXXX of the XXXX XXXX XXXX  and advocacy team however, his response letter claimed that I wasn't the intended recipient however that was my previous name. I do not give a XXXX how your company feels based on a subjective criteria. The funds were deposited under my previous name, and if your company does not allow me to withdraw my funds within 30 calendar days I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
This account shows CO every month which makes this account look newer then what it actually is. The fair credit reporting act prohibits re-aging debt, and it is illegal to keep changing the date of first delinquency. I demand this account to be deleted from 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 2025-03-22 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: MS

Complaint narrative:
Consumer Name 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 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 a student loan account opened at all 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 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 XXXXnder account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 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 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.

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 2025-03-22 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: MS

Complaint narrative:
Consumer Name 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 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 a student loan account opened at all 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 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 XXXXnder account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 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 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.

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