vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX # B XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed- XXXX XXXX  XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} - Late/Open XXXX XXXX XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed- XXXX XXXX  XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} - Charge off- XXXX XXXXXX/XX/XXXX XXXX XX/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 2025-04-19 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: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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 2025-04-19 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX * * * * * * * * * * ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit score that was XXXX from perfect payments went down XXXX points because XXXX reported my payment to XXXX XXXX as late. I talked to a representative and made a payment on XX/XX/XXXX and my XXXX XXXX report shows that XXXX posted a late payment report on XX/XX/XXXX. Please remove this as it has been paid and in good standing.

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 2025-04-19 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1998 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 XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cash app is decriminating me and singling me out over multiple things that other people everyone around me can do but I cant and I used to and when I ask them to tell me why I can't deposit paper money what did I do they flat out tell me thats none of my business but you can't so deal with it and that's very unprofessional they refuse to give me any information on the settlement agreement with them and the XXXX  because certain people are entitled to compensation and they told me they aren't going to respond to that and to contact the XXXX.. just a lot of different things they do to me that different from other people and it's making me very upset especially when it dealing with my disputed transactions especially recently to a scam company and XXXX that I've been trying to get them to lawfully investigate what happens and do the process like there supposed to but there not they just keep denying me with no really explanation besides I made the transaction so its legit? Like no Im disputing a service I did not receive cuz company is a scammer and I can't even fine them to contact them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX VA XXXX, XXXXXXXX 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 - XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-19 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I got an email from Wells Fargo on XXXX at XXXX stating that there was a credit card open for {$2000.00}. I then got an email from my XXXX account stating that someone has checked my credit information and that I should check if any loans or credit cards have been open in my name. I did not click on any of the email information. Instead I went to a chase branch and spoke to a representative XXXX. They stated I needed to file a reports the with credit bureau. I also, called a chase representative to see if the email I received from chase was legit and they confirmed it was. They advised me to call Wells Fargo to confirm and close the account. I called Wells Fargo from a number on their website " Suspicious emails, text messages, or calls If you clicked a suspicious link or opened an attachment, call XXXX right away If you shared any personal account information, call XXXX right away If you did not respond, forward the suspicious email/text message to XXXX '' They asked me all the specific information including SS number, mother 's maiden name, etc. and stated an account was open. Then they said they closed it and transferred me to a fraud department to make a claim, the fraud department transferred me to an identity theft department where the individual stated that I spoke to an " impersonator '' in the previous calls. She stated there was no account open under my name. 

I then called Wells Fargo again, they stated there was an account open under my name and that we had to call the Fraud department on " Monday because they weren't open during the weekend '' and confirmed there was an account under my name.

Then I filed the report here and will file one right after this one with credit bureau.

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 2025-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Hello I tried to make a purchase with a company I thought was legit sadly the company I purchased from end of being a scam. The company XXXX XXXX XXXX XXXX XXXXXXXX, canceled the order without refund. My issue is with my financial institution XXXX XXXX  Chime. I did several disputes with Chime regarding this issue and showed proof of the transaction and conversation with the suppose to be company. XX/XX/year> was the first dispute with Chime. Purchase date of order was on XX/XX/year>. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} & DPEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
I have disputed multiple time with transunion, XXXX  and XXXX  about accounts that are to old to be on report ( and still did not remove ). disputed report under fdcpa codes, asked reporting agencies to verify debt along with creditors but to no avail.

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 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account # [ Account Number ] Dear [ Debt Collectors Name ], I am writing to formally request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g. I do not acknowledge ownership of this debt and am requesting detailed verification before any further collection actions are taken.

Please provide me with the following information : 1.The name and address of the original creditor.

2.The full amount of the debt, including a breakdown of fees, interest, and other charges.

3.Proof that you have the legal right to collect this debt, including a copy of any agreement bearing my signature.

4.A copy of any judgment, if applicable.

5.The date of the last payment made on this account.

6.Any documentation showing that I am legally responsible for this debt.

Under the FDCPA, you are required to cease collection efforts until you provide proper validation of this debt. Additionally, if this debt has been reported to any credit bureaus, I request that it be marked as disputed until this matter is resolved.

Please provide the requested documentation within 30 days of receiving this letter. If you fail to validate the debt, I expect that you will cease collection activities and remove any negative reporting from my credit report.

This letter serves as a formal dispute of the alleged debt. Please respond in writing only, and do not contact me by phone.

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ProCollect, Inc.
State: LA

Complaint narrative:
An old apartment complex mistakenly reported me to collections twice. For the same debt. After speaking with them, the complex confirmed it was a mistake they will get it removed. After speaking to Pro Collect, they confirmed it was a duplicate charge as well but they will not doing anything. I have this recorded. The complex called the collection agency and got it removed, and changed the other first collection to the accurate amount ( {$400.00} ), I have this in email from the complexs regional manager. My credit report reflected the {$400.00}, but just this week went back up to the incorrect amount, {$1000.00}. The collection agent has yelled at me, demeaned me, I have attempted to tell her the situation she interrupted stating she doesnt want to hear my story just pay the debt, but the debt is false and I have proof it is false. Its coming to a point where I have to get a lawyer over this. My credit has been impacted unfairly once again over the apartments mistake, and the collection agencys mistake although with the malice ways of the specific collection agent working my debt account I feel she increased the amount on purpose. This was not a promotion or deal. My credit report from Pro Collect was changed to the correct amount ( {$400.00} ), this week it went up to ( {$1000.00} ). My credit score went down. How can a XXXX year old debt, from the same company, change multiple times with no emails or reasons explaining the change? They are just doing it and I have proof it is incorrect.

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