vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Account Number XXXX Open Date XX/XX/XXXX Balance : {$21000.00} Charged Off XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$14000.00} Charged Off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$180.00} Collection Inquiries in Dispute : AXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Account Number XXXX Open Date XX/XX/XXXX Balance : {$21000.00} Charged Off XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$14000.00} Charged Off XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$180.00} Collection Inquiries in Dispute : AXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors XXXX XXXX XXXX XXXX XXXX along with others violated my rights under 15USC 1681S section602 states that that I have the right to privacy. 15UCS 1681 604 ( a ) section 2 It states a consumer reporting agency can not furnish an account without written instructions. 15USC 1681b ( 2 ) and pursuant to 15USC1666b " A creditor may not treat a a payment on a credit card account under an open end consumer credit plan as late for any purpose. " I demand my late payments ) be updated to paid on time according to these US laws. 
15 USC code 1681 ( 2XLi ) 15US code 1666b 12 CFR 1026.13 15U.S. code 1692c 15 U.S. 1692g 15US1681e ( b ) 15US code 1635 15 code 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive come across an account on my report that I do not recognize and have no affiliation with. This account is completely unknown to me, and Im concerned that it may be a mistake or error.

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 2025-04-07 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: CA

Complaint narrative:
I had two credit cards with Capital One. The first had the limit of {$300.00} and the other of {$500.00}. I could never pay the whole balance, only the minimum. In XXXX I sold my car. With the money I got from it I decided to pay these two bills. I was very happy that I would clear my limit and would be able to use the cards again. However, when I tried to use the card again, it said they were restricted. Capital One even returned one of the payments without explaining why. 
I got mail saying that they closed my account due to suspicious activity. 
I didn't know that paying your credit card bill is a suspicious activity. I guess they wanted me to be alway paying the minimum. 
I was suprised, since it was not even a high bill. {$800.00} total! 
And closing my account without consulting me, it seems a bit extreme. 
I'm very disappointed with Capital One and would recommend that others stay away from them. Especially those that like to pay their bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MS

Complaint narrative:
I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/year>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.

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 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My car amount was {$22000.00} and since a XXXX XXXX XXXX XXXX they have only paid {$1200.00} so my car is {$21000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Request for Removal of Charge Off from Credit Report To Whom It May Concern I am writing to formally request the removal of a charge off that appears on my credit report, in accordance with Section 1681b of the Fair Credit Reporting Act ( FCRA ). 
The specific charge off details are as follows. 
Company Name : XXXX XXXXXXXX XXXX  Account XXXX Under Section 1681b, consumer reporting agencies are permitted to furnish consumer reports only for specific permissible purposes. I believe that this charge off is being reported inaccurately and does not meet the criteria for reporting under the applicable laws. 
Furthermore, I request that you investigate the validity of this charge off, as it has adversely affected my creditworthiness. If you are unable to verify the accuracy of this information, I ask that you remove it from my credit report immediately. 
Please provide me with a written response detailing your findings and any actions taken regarding this request. I appreciate your prompt attention to this matter. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-04-07 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: VA

Complaint narrative:
XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX {$1100.00} 1. 15 U.S.C. 1681 ( a ) This section establishes the purpose of the FCRA, which is to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am asserting my right to accurate, verifiable, and complete information.

2. 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( iii ) Under this section, if the information in my file can not be verified after a reinvestigation, it must be promptly deleted. I request that all unverifiable information in my report be removed immediately, as required by law.

3. 15 U.S.C. 1681 ( i ) ( 5 ) ( B ) This section mandates that when an item is deleted or modified as a result of a dispute, the consumer reporting agency must refrain from re-inserting such information unless the furnisher certifies its accuracy. Additionally, I must be notified of any such reinsertion.

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Friday, XX/XX/year>, I was trying to send ( {$100.00} ) to XXXX ( XXXX  XXXX ) in Cash App. But Cash app had a glitch and sent my money to another person in my contact list. I found out aboit this XXXX, XX/XX/year> when I happened to check my account and I saw that {$100.00} was sent to XXXX XXXX XXXX  XXXX ) with the same description and same time of money I sent to XXXX. XXXX was the only one I sent money to with that description on that day and was the only one who was supposed to receive money from me. I don't know how XXXX got my money or how money was sent to him. He was not supposed to get my money. I never even got a confirmation or anything that money was sent to XXXX. I just happened to find out because I was looking for something else in my history on XX/XX/XXXX. I wouldn't have known this happened if I hadn't checked the history that day. You don't get to determine who I want to give my money to. You need to return my money, because 1. I didn't send any money to XXXX XXXX XXXX  XXXX ). I couldn't possibly have because it was sent at the same exact time of another transaction and I never put in XXXX XXXX  cash tag. At first the history was saying the money to XXXX was sent XX/XX/year>. Now, it has been saying sent XX/XX/year>. Why are the dates changed now? XXXX, isn't supposed to have my money and that money was sent to him by YOUR system, not me. I asked for it back through your system, and it says he declined the refund. I texted him that same day on XX/XX/year>. He answered XXXX XXXX  later after a second text that I sent XX/XX/year>. He claims he didn't know anything about it. He said he would return the money but hasn't. You said my money is FDIC insured. You're supposed to protect my money. When I saw this transaction, I immediately reported it as soon as I learned about it and said that it shouldn't have gone to that person. Cash App refuses to return my money. Their app doesn't even work properly most times. It has so many glitches that this makes your money unsafe on this app. They send other people your money and refuse to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
On XX/XX/year>, I created a Coinbase Wallet. I already had a regular Coinbase account. I went through the process of connected my Coinbase wallet to my regular Coinbase account. On the same day, I did a transaction to transfer XXXX and XXXX to my wallet. On XX/XX/year>, I transferred successfully all the XXXX from Coinbase Wallet to my connected Coinbase account. On XX/XX/year>, I initiated a transfer of all my XXXX XXXX XXXX from Coinbase Wallet to my connected Coinbase account. I failed the fingerprint biometric verification XXXX  times. Instead of taking me back to the main menu, their Coinbase wallet app force logged me out of the app even though I hadn't once been shown the recovery seed phrase. Since they had force logged me out of app, I had no way of ever seeing or getting this recovery seed phrase which I now find out is the only way to ever recover your account. 

I had talked to live support a few times ( through phone call and through chat ). They agreed with me that the system shouldn't have force logged me out due to failing biometric verification on a transfer XXXX  times. Every other wallet I've seen ( and now Coinbase wallet does this ) would simply take you back to main menu of app. But there is nothing they were able or willing to do since I don't have my recovery seed phrase. I even filed a formal complaint ( Case number XXXX ) with the company, but they weren't willing to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
This MoneyLion account ( ending in XXXX ) is being reported with conflicting and incomplete information. The account is listed as both Paid and Charged Off, which is inaccurate and misleading. If the balance was paid or settled, it should not be reported as a charge-off.

Additionally, there is no monthly payment listed, and the current balance field is left blank. This makes the report incomplete and unverifiable, in violation of FCRA Section 611 and 623 ( a ).

Furthermore, charge-off notations appear in the same month the account was marked closed, raising concerns of incorrect timing or re-aging. 

I am also filing this complaint against XXXX for continuing to report inaccurate, incomplete, and misleading information. Despite my efforts to dispute and correct these accounts, XXXX continues to report them without proper verification or correction. This has caused damage to my credit, including denials, score suppression, and emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AZ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$48.00} -ChargeOff XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$0.00} -Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : $ XXXX ACCOUNT XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX Inquiries included in dispute : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/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

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 2025-04-07 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: GA

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

Company response to consumer: Closed with explanation