vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Email : XXXX XX/XX/2025 Subject : Dispute of Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ) and U.S. Code Laws I am writing to formally dispute the unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I have the right to dispute inaccurate or unauthorized information on my credit report. I recently obtained a copy of my credit report and discovered inquiries on my credit report.

I do not recall authorizing these inquiries, and I request that they be removed from my credit report immediately. According to 15 U.S.C. 1681b, a company must have my express written permission or a permissible purpose to conduct a hard inquiry on my credit report. If the listed companies can not provide documented proof that I authorized these inquiries, they must be deleted promptly in accordance with 15 U.S.C. 1681i, which mandates the reinvestigation of disputed information.

Please conduct an investigation into these inquiries and provide me with written confirmation of the results. If these inquiries are found to be unauthorized, I expect their removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting these changes.

I have attached a copy of my identification and proof of address for verification purposes. Please process my request in accordance with FCRA regulations and notify me of the resolution within 30 days as required under 15 U.S.C. 1681i ( a ). 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I've contacted capital one via phone, app, email and regular mail. I have not heard back at all. I had two credit cards with them from roughly XXXX to XXXX. I need to retrieve my records for a court case. I can't get them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing to follow up on my previous letter sent on [ date of previous letter ], regarding a collection account on my credit report that I believe is inaccurate. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I am requesting that this account be properly investigated and removed. 
Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XXXX/XXXX/2023 So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts.

This is my final request to have this account investigated and removed from my credit report. If no action is taken, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore legal options to protect my rights.

For your reference, Ive attached copies of my previous correspondence along with supporting documentation, including a copy of my identification for verification purposes.

I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I send XXXX from my XXXX XXXX XXXX  account in XXXX XXXX to XXXX XXXX account in Chase bank in the US on XXXX XX/XX/year>. I planned to buy art from the gallery. XXXX XXXX said they have not received the money. 

I initiated tracing from my bank ( XXXX XXXXXXXX XXXX  ) and my bank confirmed that Chase bank has already received the money on around XXXX XX/XX/year>. My bank provided trace id ( XXXX XXXX XXXX XXXX XXXX ), XXXX payment id and PFE payment id, the money was sent through XXXX XXXX XXXX. 

XXXX XXXX owner claimed that he contacted Chase bank multiple times and Chase bank refused to locate the money with the above information and said it is up to my sender bank to locate the money ( which I did, as tracing report showed that Chase Bank has received the money! ). 

I contacted Chase customer service but since I do not have a bank account in Chase, they could not help me locate my money. XXXX XXXX owner refused to do further action as he said he called the bank multiple times already. 

I wonder if the account is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've been making multiple payments on this credit card.The balance never goes down.I call for information.They give me no information.All I know is that every month.I 'm getting charged double on capital, one quick sioverall

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint regarding a closed student loan account reported by DEPTEDXXXX. The account number ending in XXXX appears on my TransUnion , Experian , and Equifax credit reports with inconsistent information. The account shows a status of Closed or Paid with a {$0.00} balance, yet the number of months reported ( 182 ) is inaccurate, and the dates of last activity and last payment are inconsistent across the bureaus. Additionally, the data shows different last reported dates and unexplained refinancing comments. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report accurate and consistent information. Furthermore, this educational record may be subject to FERPA protections and should not include details shared with consumer reporting agencies without proper authorization.

I previously disputed this information, and the comment Dispute resolved ; reported by grantor was added without my consent or proper resolution. I am requesting that the Consumer Financial Protectio
n Bureau conduct an investigation and require DEPTEDXXXX to remove this inaccurate, outdated, and potentially unauthorized reporting from all three credit bureaus. 

Please delete this account from TransUnion, Experian, and Equifax.

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint regarding an account listed on my credit reports from TransUnion, Experian, and Equifax under the following identifiers : Creditor Name : DPT EDXXXX TransUnion Account # : XXXX Experian Account # : XXXX Equifax Account # : XXXX Complaint Summary : Inaccurate and Unverified Reporting : This educational installment account is marked as closed/paid with a {$0.00} balance, and it has not been active since XX/XX/year>. Yet, it continues to be reported on all three credit bureaus, affecting the accuracy of my credit profile.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, furnishers are required to report accurate and timely information. Reporting outdated, unverified, or closed educational accounts violates this statute, especially when the reporting no longer serves a permissible purpose.

FERPA Violation : This is an educational loan account subject to the Family Educational Rights and
Privacy Act ( FERPA ). As recently exposed in public reports, XXXX XXXX and the Department of Government Enterprise ( DOGE ) were given access to a vast database of U.S. citizens educational records, including data from student loans. This unauthorized access constitutes a breach of FERPA, further voiding the legitimacy of this account 's presence on my credit reports. 
Harm Caused : This account has no outstanding balance or payment obligation, yet its presence is negatively affecting my credit utilization, age of accounts, and creditworthiness, which is a form of reputational and financial harm. 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 2025-03-22 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-23 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: GA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had my wallet stolen and attempted to update my debit card information in Cash App, but the system blocks me from adding a new card. I opened a Business account, followed all the proper steps, but nearly every payment sent to me is automatically canceled or blocked even from people Ive transacted with before. 

These same people can send the same payment amount to my brother with no issue. That proves the problem is with my account, not the senders. 

I contacted support multiple times and was repeatedly told there's nothing they can do. They blamed it on system automation, claimed I added too many cards ( which only happened because I was trying to fix the issue after my wallet was stolen ), and refused to escalate. Now Im locked out of receiving payments and cant update my card and theyre telling me to just keep using a card I no longer have.

This is affecting my ability to run my business and receive income. Ive done nothing to violate their terms, and Im being treated like a fraudster with no real support or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : lvnding funding XXXX lvnding funding XXXX XXXX xxxxxxxxxxxxxxxx The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. these accounts were deleted from my XXXX and is being re inserted back on to my TransUnion as a closed account please do a proper re investigation before legal action be taken By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. And under 15usc1681i5 ( B ) once an account is deleted it can not go back on your credit report and a proper notice of 5 days before it's inserted the consumer should be notified or it's a violation Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy Here is the item I am asking you verify as accurate. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting by Equifax Resurgent Receivable Account I am submitting this complaint regarding an inaccurate account reported on my Equifax credit report. The account in question is listed under Resurgent Receivable and is negatively impacting my credit score. Despite my dispute request, this account remains unresolved. 

The account details are as follows : Balance : {$500.00} Highest Balance : {$760.00} Opened : XX/XX/year> Status : Open Responsibility : Individual Account Remarks : Consumer disputes- reinvestigation in progress Original Creditor Name : No Information Provided I believe this account has been inaccurately reported in violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure that the information they report is accurate and complete. Additionally, the lack of information regarding the original creditor makes it difficult to verify the validity of this debt. 

I have already initiated a dispute with XXXX, but the account remains unresolved. The continued reporting of this account with a derogatory status is causing unjust harm to my credit score. 

I request the following resolution : 1. Complete and Fair Investigation : Conduct a thorough investigation into the validity of this account.

2. Removal or Correction : If the account can not be verified or is confirmed to be inaccurate, I request its immediate removal from my credit report.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting the corrected information.

4. Explanation of Findings : Provide a detailed explanation of the findings and actions taken after the investigation.

5. Notification to Other Bureaus : If any corrections are made, please notify XXXX and XXXX of the updates. 

I have attached supporting documents, including a copy of my credit report highlighting the account in question. Please confirm receipt of this complaint and keep me informed of the status of your investigation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have been denied by cash app in disputes that were rightfully mine to file. Someone hacked my cash app and was repetitively sending money to themselves from my cash app. Cash app told me that I would have to dispute it through my bank and that they could not help me but I only bank with cash app so it isnt fair to deny me and say its my banks responsibility when I dont have any other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 
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, has violated my rights. 

I looked at my Experian Credit Report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are multiple unauthorized hard inquiries on my credit report possibly due to me being a victim of data breach.

Company response to consumer: Closed with non-monetary relief