vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 
While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report. 

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response. 
For these reasons, I request immediate action to block and remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the following items listed down below, as it is incorrect and does not reflect my true credit history.

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 2025-03-05 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-05 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: FL

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

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 2025-03-05 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: OH

Complaint narrative:
Hi I sent my FTC report into TransUnion I and it was received by them on XX/XX/2025 I also sent it to XXXX and XXXX at the same time The accounts that I named in this FTC report were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these were promptly deleted from XXXX and XXXX Persuant SCRA 605-b 15 USC 1681-c2.

But TransUnion still shows 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
experian say they need number XXXX XXXX XXXX XXXX amount {$910.00} XXXX XXXX XXXX acct XXXX XXXX amount {$660.00} XXXX XXXX XXXX acct XXXX XXXX amount {$640.00} reporting same acct two different amount XXXX XXXX acct # XXXX chargeoff XXXX origanal credit XXXX bal XXXX that what reporting on my credit XXXX XXXX reporting as a debt buyer never heard of them acct # XXXX amount {$670.00} XXXX XXXX  acct # XXXX who are they or they license in sc send me a copy

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizen Bank, XXXX MA 1 ) Have checking account for more than 3yrs ; deposit {$5.00} each month and incurred no fees 2 ) Received more than one email to open a savings accountdeposit {$200.00} for 3months and receive {$200.00} bonus ; opened account XXXX and have image of completion 3 ) On XXXX, received email letting me know that my account is under review ; given this, went to my local branch and was given no info; was informed that the balance ( of XXXX XXXX will be sent to me with a letter ) 4 ) Did not receive my money or letter ; but did receive an ATM card ; thus, went to another branch ( XXXX XXXX ) for assistance 5 ) Banker checked all my records ( ie, no delinquent fees, no transaction issues, etc ) and he verified that there are no letter or reimbursement issued to me ; then I asked when will Citizen give me my money backbecause I am a XXXX XXXX patient and need my money ; he insisted that I would get my money back but was unable to give me any specific date.

6 ) Today is XXXX ; its been two weeks and no email or letter or XXXX  packet with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XXXX XXXX I received a deposit from the IRS for {$5800.00}. About a week later, cashapp locked my card and sad they detected fraud and they were going to investigate for 24-48 hours. When they got done with the so called investigation and unlocked my account it was over drawn {$4700.00}. I also had {$1000.00} on there that they didn't give back. They saidy deposit was rejected and was sent back to the originator. None of it makes sense because I got my deposit and I wasn't having any problems with my account. Today on XX/XX/XXXX I received my direct deposit from the state and cash app kept it to clear up my account they said was over drawn for {$4200.00}. They have taken my whole return for no reason. I don't understand what's going on and I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: OH

Complaint narrative:
I am filing this formal complaint regarding the inaccurate and fraudulent information appearing on my credit report. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. I have discovered multiple errors on my credit report, including incorrect names, addresses, and accounts that are not associated with me. These inaccuracies are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and must be immediately investigated and corrected. 

Under 15 U.S.C. 1681i, credit reporting agencies have a legal obligation to conduct a reasonable reinvestigation of any disputed information. Despite my identity being clearly established as XXXX XXXX at my Ohio address, my credit report contains accounts and personal information that do not belong to me. Any accounts, names, or addresses not directly tied to XXXX XXXX and my Ohio residence must be removed immediately. Continuing to report inaccurate and unverifiable information violates the FCRAs accuracy requirements. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports. The presence of incorrect names, addresses, and fraudulent accounts demonstrates a failure in their duty to ensure the integrity of my credit file. Courts have ruled that failure to remove incorrect information after a dispute can result in legal consequences, as seen in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court emphasized that credit bureaus must conduct meaningful investigations, not just rely on automated verification. 

Furthermore, these errors are causing material harm to my financial standing and creditworthiness. The inclusion of fraudulent accounts or incorrect personal data negatively impacts my credit score, potentially affecting my ability to secure loans, housing, or employment. Under 15 U.S.C. 1681n and 1681o, both willful and negligent noncompliance with the FCRA make credit reporting agencies liable for damages. Their continued failure to remove this inaccurate information is an ongoing violation of my consumer rights. 

I demand that the CFPB take immediate action to investigate and enforce my rights under the FCRA. I request the removal of all incorrect names, addresses, and accounts that are not associated with XXXX XXXX and my verified address in XXXX, Ohio. The credit reporting agencies must provide confirmation of these deletions and ensure that this misinformation does not reappear on my report. 

Failure to comply with federal law in handling this dispute may result in further legal action to protect my rights. I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I traded my XXXX chevrolet truck for a XXXX XXXX en XX/XX/XXXX. 
the truck was finance for santander bank. 
there was calling me but I am dont have the truck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX  Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TriVerity, Inc.
State: AZ

Complaint narrative:
XXXX XXXX. Sent a debt collection letter to my place of employment. This is not acceptable. I have also requested proof of the debt and have yet to receive any. I also let them know to not contact me at work. I'm disturbed that this company even got my work address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I signed up for a tax refund advance with XXXX XXXX and it automatically assigns any pay account to Credit Karma Pay. I was not approved for the advance, and unable to change from Credit Karma Pay to a regular checking account for the future tax refund. Credit Karma told me I could do a bank transfer when the refund was deposited. 
The tax refund was deposited into Credit Karma pay and now I was informed there is a {$1000.00} transfer or usage LIMIT per day. I do not have access to my full tax refund to use it for bills, repairs for at least two weeks. All over their website it says up to {$10000.00} transfer per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a student loan with the Department of Education opened on XX/XX/XXXX, another student loan with the Department of Education opened on XX/XX/XXXX, an auto loan with XXXX XXXX opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, XXXX charged me {$93.00} for a ride using my XXXX ( XXXX ). Later, on XX/XX/year>, XXXX charged me again for the same ride on Apple Pay ( XXXX XXXX ) resulting in a duplicate charge for the same service.


I filed a dispute with Goldman Sachs ( Apple Card issuer ) regarding the duplicate charge on Apple Pay, providing clear documentation proving the double charge. Despite this, Goldman Sachs denied my dispute three separate times without conducting any investigation. They failed to contact XXXX to verify the transactions and closed the dispute without providing any justification or supporting documentation.

This violates the Fair Credit Billing Act ( FCBA ), which requires credit card issuers to conduct a reasonable investigation before resolving a dispute.

Supporting Document Attached. 

XXXX chargeback resolution letter ( showing XXXX won the dispute ) Duplicate charges from XXXX & Apple Pay XXXX email responses confirming no refund was issued Outcome of your Apple Card transaction dispute

Company response to consumer: Closed with explanation