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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and per FCRA 611 15 U.S.C. 1681 c-2 and FCRA 605B the creditor must permanently block and remove the said items from my credit report. XXXX account ending in XXXX and XXXX account 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding multiple instances of inaccurate and potentially unlawful reporting by TransUnion, XXXX of the XXXX major credit reporting agencies. Upon reviewing my credit report, I noticed XXXX troubling issues : TransUnion is reporting a collection account for {$1900.00} from XXXX XXXX XXXX that does not appear on my credit reports with XXXX XXXX XXXX This discrepancy raises questions about the accuracy and validity of the debt and whether TransUnion has verified it appropriately before reporting. 

Additionally, TransUnion is reporting multiple hard inquiries that are not reported by the other credit reporting agencies, nor have I authorized these inquiries. This inconsistency raises further concern about the integrity and accuracy of the information being maintained and shared by TransUnion. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The failure to maintain consistent and verified records both for collections and credit inquiries represents a clear violation of this obligation. 

Furthermore, if XXXX XXXX XXXX or any entity submitted information to TransUnion that was not properly verified, this may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading means in connection with the collection of any debt. 

I have submitted a written dispute to TransUnion regarding these issues and have requested full validation of the debt and an investigation into the unauthorized or inaccurate inquiries. To date, I have received no satisfactory resolution or evidence. 

I respectfully request that the CFPB investigate these matters and require TransUnion to remove or correct any unverifiable or inaccurately reported information. I am also requesting confirmation that XXXX XXXX XXXX is in compliance with federal consumer protection laws.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WV

Complaint narrative:
I am not allowed to leave you feed back on my application for these reports where is it suppose to go I believe that since I have my phone number posted world wide and email that they are diverting my funds from cash app and chime because of the numerous discripitancies filed with you and you not having your web site set up properly to receive emails or feedback on the complaints because when sending cash with chime and cash app you use your phone and email. 


COMPLAINT ID 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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I got a notification last night through XXXX XXXX that a hard inquiry from capital one was placed on my credit XX/XX/year>. I called capital one this morning and asked them what this was and it was for a platinum card. I told them this was fraud, since I did not do this and they canceled the application. I then contacted XXXX  as advised from capital one and they told me to do this or fill out a police report to get it removed from my credit history. They have also place a freeze on my XXXX  account.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'Inconsistent and inaccurate reporting on this XXXX account between the XXXX credit bureaus. XXXX has corrected and updated the report. Experian and TRansUnion have not updated the report and continue to show inaccurate information, Also the information is not reported the same across the bureaus. They All cant be right. XXXX                         TransUnion\t                      Experian\nLast UpdatedXXXX XXXX XXXX XXXX XXXX XXXX account as agreed  Paid or paying as agreed     Paid account/was 30 days past \n                                                                                      due date two or three times\nWorst Delinquency\nNone Reported\t         None Reported\t              30 days delinquent\n\nExperian and TransUnion has not updated this information since XXXX. XXXX is reporting the correct and updated information for this account'

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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-03 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-03 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: AZ

Complaint narrative:
Equifax data breach experienced identity theft due to breach noone ever reached out with compensation 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act, ( FERPA ), protects the confidentiality of Student Records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-03 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: PR

Complaint narrative:
I have inquiries in my credit that I don't do. I have been in written communication by postal mail with Transunion, Equifax and Experian but I still have not received a response. They asked me for the complaint evidence.

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: EQUIFAX, INC.
State: PR

Complaint narrative:
I have inquiries in my credit that I don't do. I have been in written communication by postal mail with Transunion, Equifax and Experian but I still have not received a response. They asked me for the complaint evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
Company : InComm XXXX XXXX XXXX XXXX ( parent of XXXX  of Gifts ) Second company involved : XXXX XXXX XXXX ( sold the card ) XXXX bought a {$160.00} XXXX  of Gifts digital gift card via XXXX ( Order # XXXX ). 
XXXX supplied only a hyperlink ( no card number ). The link consistently fails with an XXXX error on every U.S. network and device I test. 

Because the link never resolves, I can not see the required XXXX card number or redeem the funds. 

I have : Cleared cache, cookies, tried XXXX in private mode XXXX XXXX, used XXXX  and cellular network Contacted XXXX  support 3 times they say to contact XXXX  and that they have no visibility into what XXXX  provided me other than the link ( and that the link is their link ) Contacted XXXXInComm support also 3 times they say they need the card number which is unavailable because their own link blocks me.

I have now paid for a product I can not access. 

Attachments : Screenshot of error banner Original XXXX email with broken link ( redacted but I can provide it )

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: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 XXXXXXXX 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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. Delete accounts ( 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 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-05-03 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: FL

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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I filed a dispute with Cash App on XX/XX/year>, for a hotel purchase through XXXX made in my home state. As of XX/XX/year>, it has been XXXX  days, XXXX I have not received a provisional credit or a final decision. 
The transaction was domestic, XXXX my account is not new, so XXXX XXXX protections apply. 
I recently contacted support XXXX was told : We are unable XXXX provide any information regarding your dispute filed on XX/XX/year>. This is an inadequate response, especially past the XXXX window. 
I am requesting a full investigation update, provisional or final credit, XXXX all evidence supporting their findings. 
Cash Apps lack of communication XXXX refusal XXXX issue provisional credit appear XXXX violate federal consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am filing a complaint against 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 ) for deceptive practices. On XX/XX/XXXX, I was lured by a XXXX promotion but sold a XXXX XXXX XXXX with a contract ( delivered a month late ) showing a 24.77 % APR and {$820.00} payments I didnt agree to. The vehicle was repossessed, harming my credit. To make matters worse, my credit report now shows XXXX different balances for this debtone from Santander ( where the debt was sold ) and XXXX from XXXX. This error is a direct consequence of their actions and is causing ongoing damage to my credit score. 
They violated : 1. * * FTC Act, Section 5 * * : Bait-and-switch and deception.

2. * * TILA, 15 U.S.C. 1601 * * : Hidden loan terms.

3. * * FCRA, 15 U.S.C. 1681 * * : Inaccurate credit reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deceptive business practices. 
Attached are my contract, receipts, and screenshots of the balance discrepancy.

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 status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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

Complaint narrative:
I called IC systems at XXXX in XXXX I asked the representative to send me validation of the debt. They did not send me anything.I called them again in XXXX and the representative stated they had no record of the phone call but they will send me the validation. I have yet to receive anything and I am in the process of trying to build my credit. I reached out to them on yesterday XX/XX/XXXX and I was hung up on.

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 — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I had gotten a call from an agent back sometime either early XXXX or XXXX while I was unemployed and they requested a large payment for my student loans. I told them i was unemployed and had not had good income if any since XX/XX/year>. I wished a better payment plan or just more time to afford more necessities first. After this phone call my credit got hit with XXXX points negative for a missed payment, and I later got a phone call in XXXX from another agent from student aid and had explained my story once again. She said that there are absolutely programs for things like this, i.e. an income driven payment plan while I start a new job. I told this agent about what had happened and she said it should not have happened. Once applying to this income driven payment plan that they advised me to do, my account is currently in good standing and currently " owe '' {$0.00} because of this plan. My credit building took years to build and while in a transition in the student loan world I see this as absolutely incorrect for my credit to take the largest hit I have ever seen. My accounts status will be updated XXXX once they accept my income driven payment plan and look to pay this balance owed then. Thank you for your time.

Company response to consumer: Closed with explanation