vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX 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 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/2025 account freeze told XXXX XXXX civil process XX/XX/2025, informed cashapp customer support that I had not recieved any court documents having a writ of garnishment, and that no funds were to be released without a copy of the court order or creditor cliam. Informed them a assessed fee would be charged until I was provided with the information to resolve the issue. 
XX/XX/2025 recieved email from cash app civil process with only a number and email of claimant. No docket or claim XXXX XXXXXX/XX/2025 informed customer support that under Arizona state law prop XXXX that the funds being held were exempt from garnishment. And the most that could be garnished was XXXX. 
I've sent several emails to the alleged creditor that filed the cliam, recieved no response. 
Daily I have filed new complaints with cash app support, verifying the fees I was assessing, the state laws they were violating, and the fact that there are no recorded ucc liens registered with the Arizona Secretary of State under the account holders name or any business of the account holder. With multiple demands for the court case # claim #. 
And no response from alleged claimant and no proof provided of a court order to freeze the account. I must assume that.

1 the claimant is trying to collect on a debt past the statue of limitations.

2 cash app didn't verify the legality of the cliam.

3cashapps refusal to provide a case or cliam number needed to resolve the issue, violates due process and are complicit in withholding funds for a cliam that is either past the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address isXXXX 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Atlanticus Services Corporation
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX or XXXX Is unwilling to remove the account as this person is deceased and they do have death certificate. They are committing fraud and trying to collect on a deceased account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within 15 days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I am writing to formally file a complaint regarding a breach of my personal information and the potential compromise of my financial security. Specifically, I have reason to believe that DOGE improperly gained access to my personal and financial aid information on XX/XX/year> through the Department of Education. This unauthorized access has resulted in my sensitive data being compromised, raising serious concerns about privacy violations and data security. 

I obtained financial aid in good faith, expecting my personal information to remain confidential and protected under applicable laws and regulations. However, due to this breach, my private information is now at risk, which not only exposes me to potential fraud but also undermines my ability to manage my financial obligations securely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good morning! After reviewing my credit report for the past year, I noticed that there's repeat cases of late payments on an account that I have always maintained timely payments on. Consumer reporting Agencies play a vital role in accurately reporting consumer information. This information must be reported with utmost accuracy. I've always maintained my payments for the following account XXXX XXXX  ] [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to provide such proof, I demand that these payments be promptly updated to their true status as on-time, as I have consistently upheld my payment obligations without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/year> I made a purchase in the amount XXXX from vendor XXXX I cancel the order same day. They said 3-5 days for refund Netspend says the refund was giving back to me same day at 4 pm I have screenshots receipts and also can provide in my bank where it shows a money in tab with nothing added since XX/XX/year> I called Netspend on 3 different calls 1st rep - was working wit his supervisor and started the refund process the call dropped 2nd rep advised me to call XXXX again 3rd rep said I already got the refund and look in my tab on the bank app I advised her I was looking at the app as we speak and nothing was added since 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
My kids dad used my social to get an XXXX the company says it shows my social so they wont remove it Ive filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company 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 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
On XX/XX/year>, XXXX XXXX, an instructed the DOGE ( Department of Government Efficiency ) team to gain access to multiple internal systems within the Department of Education. This included systems that contained the personal data of millions of people enrolled in federal student aid program. My personal information was among the data compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-03-18 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 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 a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Defined fitness has been drafting {$43.00} from my bank account for over a year now and I cant get anyone to help me. My bank doesnt stop it and the company doesnt answer calls to emails I did not sign up for this gym and I believe my intonation was stolen and used to sign up using my married name which I have not ever used. They told my husband in person they would cancel the account and stop charging him but they never did. This company is corrupt and stealing from customers and I woudl like my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-18 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : 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 2025-03-18 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:
Transunion and XXXX. have been reporting charge accounts and collections negatively which are not mine. identity theft report has been submitted to all 3-credit bureau as well as several letters have been sent asking for them to proof that the accounts are mine, and however they have still not provided any type of proof. XXXX was the only credit bureau who erased all the negative accounts disputed as result of identity theft. on the other side TransUnion and XXXX just deny the dispute without providing any evidence. my credit went from being 750 to now in the low 500. this has really caused myself and my family a really hard time financially. I ask that you please help me with this matter and hopefully this nightmare comes to an end.

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 2025-03-18 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:
XXXX and Equifax. have been reporting charge accounts and collections negatively which are not mine. identity theft report has been submitted to all XXXXcredit bureau as welXXXX as several letters have been sent asking for them to proof that the accounts are mine, and however they have still not provided any type of proof. XXXX was the only credit bureau who erased all the negative accounts disputed as result of identity theft. on the other side XXXX and Equifax just deny the dispute without providing any evidence. my credit went from being XXXX to now in the low XXXX this has really caused myself and my family a really hard time financially. I ask that you please help me with this matter and hopefully this nightmare comes to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
Card company is very misleading. Paid to activate card, payment went through right away. First person said XXXX and a half hours until activated. Did not work. Second person after calling back said XXXX to XXXX hours. Waited almost XXXX hours and still wasn't activated. Multiple people gave multiple different time estimates. Could not connect me to a supervisor or manager as " there were none there until later '' but when calling back that's the same answer they give every time. 
XXXX hours later, card worked twice online for very small amounts then stopped working. Called and they said it would take an ADDITIONAL XXXX hour for " the cards chip to become active '' but could not explain why it worked on the online payment. Still can't give me an answer of why it doesn't work, or transfer me to someone who could. I have called back at least XXXX more times since and every representative gives me a different reason and time frame as to why the card is not working.

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 2025-03-18 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: WA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-18 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: CA

Complaint narrative:
of closed accounts listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they maintain. As per the FCRA, any account that has been closed and shows a zero balance or has been marked as paid in full may be removed if it no longer reflects an accurate representation of my current financial status.

I request that the following closed accounts be reviewed and removed from my credit report : [ Account 1 XXXX XXXX [ Account 2 XXXX XXXX XXXX XXXX XXXX Please review my request and remove these accounts accordingly. If you require any additional information or documentation, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt response.

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