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

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX * Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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 have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
this agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: VA

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

XXXX # XXXX XX/XX/XXXX -- {$54000.00} XXXX XXXX  # XXXX XXXX/XXXX/XXXX -- {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Advantage Credit, Inc.
State: WA

Complaint narrative:
I have student loans that I have not been able to pay off and they are being paid off by someone and it looks suspicious bc Im not paling them off.

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

Complaint narrative:
I recently discovered that my information was exposed in the Equifax data breach, resulting in several fraudulent accounts I have filed a report with the FTC and Im filing this report in regards to the following fraudulent accounts ; XXXX & XXXX {$700.00}, XXXX XXXX XXXX XXXX {$680.00}, XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX {$160.00} XXXX {$0.00} XXXX {$230.00}, XXXX {$0.00}, XXXX XXXX {$6000.00}, XXXX XXXX, XXXX {$68.00}, XXXX XXXX {$7200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
THE COMPANY IS cash app entity of BLOCK, INC. my account is registered to XXXX and the phone number XXXX to XXXX XXXX. My account had over XXXX fraud purchases totaling over XXXX dollars. these charges were all in the state of XXXX XXXX nevada. I uploaded a copy of my state issued identification and reported the transactions as soon as i learned my account was negative. Cash app had taken less then 10 hours to responde with denied and for filing the disputes retalitory measures were taken against my account by closing it. i have requested multiple times for reports and have filed police reports and would not accept any information.my total losses are over XXXX XXXX dollars as a direct result of the funds in my account were paid out on fraud transaction cash app approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent {$140.00} via CashApp to the wrong recipient by mistake for services. I have requested my money back which cash app is refusing to give back. I am a XXXX  mother of XXXX and need my money for my children. Can you please help me.

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

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Went on XXXX a game purchasing website. Put in the card information and when it says declined by my bank. Went on XXXX play and it keeps on giving me an error code. Went on XXXX to connect the credit card as a last resort and it says " Your card was declined by the issuing bank. Try a different card or contact your card issuer with questions. ''

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

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-03 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-05-03 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information

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

Complaint narrative:
XXXXDOGE may have improperly accessed, shared, or otherwise mishandled sensitive student loan data without proper authorization or consent.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
About XXXX years ago I hade items removed an now they are all back such as all the names an address an numbers along with the accounts XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their failure to remove inaccurate items from my credit report, including late payments, charge-offs, and collections, despite my repeated disputes. Additionally, I received a notice of a class action lawsuit concerning TransUnions failure to properly investigate disputes, specifically related to XXXX  letters I sent, which further supports my claim of their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Between XXXX, I sent a dispute letters to TransUnion, including XXXX letters, requesting the removal of inaccurate items on my credit report. These items include the following accounts : XXXX XXXX reported as a late payment, charge-off, or collection. 
XXXX reported as a late payment, charge-off, or collection. 
XXXX XXXX XXXX XXXX reported as a late payment, charge-off, or collection. 
XXXX XXXX XXXX reported as a collection account. 
XXXX XXXX reported as a collection account. 
I provided supporting documentation, including payment records, identity verification, and proof of debt resolution, to demonstrate these items were either inaccurate, outdated, or unverifiable. 
Despite my efforts, TransUnion failed to conduct a reasonable investigation as required by the FCRA. I received a response stating that the items, including the accounts listed above, were verified as accurate, but no evidence or details of their investigation were provided. Furthermore, I was recently notified of a class action lawsuit against TransUnion, which alleges systemic failure to properly investigate disputes, including those involving XXXX letters, which directly relates to my experience.

TransUnions inaction has caused significant harm, including denial of credit, higher interest rates, and inability to secure housing. I believe their failure to comply with FCRA obligations, coupled with their inadequate response to my disputes, warrants immediate 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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX  Capital One abruptly closed my account after I made a regular monthly payment using my XXXX XXXX XXXX card issued by my college XXXX XXXX XXXX This is the account students have to receive student loans/grants and it fully legal and extremely legitimate. I called Capital One and I told them my card used is my school card and not a fraudulent one and they told me I was lying and denied doing a full investigation. Lucky for them, I STILL HAVE MY SCHOOL CARD AND ACCOUNT AND I HAVE PROOF THAT IT IS LEGITIMATE. I was falsely accused of committing fraud when all they had to do was verify the bank. I am willing to sue Capital One for lack of a full investigation and false information reporting to consumer agencies and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I had discovered unauthorized transactions on my bank account, which I first noticed on XX/XX/year>, and immediately visited the bank and requested that the bank close my accounts. 

Someone gained access to my account using my account number and made XXXX unusual transactions totaling {$5500.00}. 

The details of the unauthorized transactions are as follows : -Date of transactions : XX/XX/year> ( pending and have been completed by XX/XX/year> ) -Bank : XXXX  - XXXX Amount : {$5500.00} - Number of Transactions : XXXX - Method of Transaction : Online These transactions are completely unusual and unauthorized, and I had no knowledge of them. 
After 30 days, bank told me that this would be social engineering and we can not refund any money. 
According to my knowledge social engineering is related to the situation that account holder has given sensitive information to scammers but I didnt do this. 
They completely ignore me and even the manager has denied talking to me directly about my issue.

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

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The account in question is being reported by XXXX XXXX XXXX, and I believe this is an error. 

I have never signed a contract or entered into any agreement with XXXX XXXX XXXX. Therefore, they have no legal basis to report any debt or account under my name. Despite this, the company is falsely reporting information that is negatively impacting my credit. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please remove this inaccurate item from my credit report, as it is not valid and should not be associated with my credit history. 

Attached are copies of my identification and any relevant documents to support my dispute. 

Please confirm in writing that the investigation has been conducted and that the false information has been removed or corrected. I expect a response within the 30-day time frame as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The account in question is being reported by XXXX XXXX XXXX, and I believe this is an error. 

I have never signed a contract or entered into any agreement with XXXX XXXX XXXX. Therefore, they have no legal basis to report any debt or account under my name. Despite this, the company is falsely reporting information that is negatively impacting my credit. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please remove this inaccurate item from my credit report, as it is not valid and should not be associated with my credit history. 

Attached are copies of my identification and any relevant documents to support my dispute. 

Please confirm in writing that the investigation has been conducted and that the false information has been removed or corrected. I expect a response within the 30-day time frame as required by the FCRA.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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 non-monetary relief