vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
Ive had money removed from my cash app countless of times and Im in a bind because of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX EquifaxXXXX XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX Equifax, and XXXX  I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX and XXXX report. 

Please verify or remove immediately the following accounts : 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 ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OF THESE ACCOUNTS LISTED BELOW ARE INACCURATE, PAST THE STATUE OF REPORTING ON CREDIT REPORTING * * EVERY LAST DEPT OF XXXX NEEDS TO BE REMOVED FROM MY REPORT!! 


XXXXXXXX XXXX XXXXXXXX * * Inquiries * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX has been hunting me down to collect a debt that existed ever since XXXX, but what was the most bizarre is the hospital is located in XXXX, but the courthouse that the lawsuit was taking place in is located in XXXX XXXX which is an entire XXXX minutes from me. There is a jurisdiction for XXXX XXXX located on XXXX XXXX in XXXXXXXX XXXX  so why have court all the way in XXXX where they know the people they were suing had no means to reach the courthouse to dispute that their claims??? And the institution targeted low income to financially struggling individuals they know dont have the money to pay them we are now in XXXX 8 years which to my knowledge that XXXX XXXX has been after me, I swear the statute of limitations for any debt is 7 years. I get revolving accounts, but Ive never know revolving accounts to be related to medical debt. XXXX XXXX sold my account to First Financial Investment Fund V, XXXX for collections and there was communications from XXXX about destruction of my credit, etc. Come to find out, XXXX XXXX became a mainstream topic when XXXX XXXX went under and the institution blamed unpaid medical expenses as the problem when there was so much more happening at time like the lawsuits for unexplained Medical mal-practices ; I felt that the unpaid medical expenses was just a cop-out to hide the true problem that was going on at time which was the reported Death toll that was caused by the facilitymoving forward I have contacted XXXX XXXX  repeatedly throughout the years to explain that I have a XXXX XXXX  daughter I care for so my money is tied up caring for her, and I have even went as far as outright telling XXXX XXXX that I dont have the extra funds to spare I took on employment that could give me just a little bit more to help with my daughters expenses which I also made known even again most recently when I got sued and Im likethat do you think you will get out of me while Im struggling??? I have had other medical debt before, but this XXXX place is out of line now reporting to my employer of the debt and little do they know by them notifying my employer of the debt may very well be the end for real of them collecting anything because this job requires a certain credit level and income to debt ratio to keep it and they very well may have gotten me fired which means they still are not collecting anything. 
Whatever hot water XXXX XXXX is in, they need to handle that vs. trying to wrap everyone in on their dirt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
All of my information is currently on the dark web. Along with addresses that don't belong to me. Incorrect information the account such as wrong dates, late payments, wrong amounts. and a Bankruptcy that should be gone.

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 2025-04-21 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: LA

Complaint narrative:
I am submitting a follow-up complaint regarding an auto loan with LA XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) that continues to report outdated derogatory information to TransUnion and Experian. 

This account had a XXXX late payment reported in XX/XX/year>, which I previously disputed. Since then, the account has been brought current and has remained in good standing. The account is now fully current, as confirmed by my latest statements and payment history. 

However, despite this resolution, TransUnion and Experian are still showing outdated late payment notations, and the account is not fully updated to reflect a Current status. This is a violation of the Fair Credit Reporting Act ( FCRA XXXX & XXXX ), which requires furnishers and credit bureaus to correct and update information once it has been resolved or found to be 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 2025-04-21 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: CA

Complaint narrative:
I have disputed an account being reported by XXXX XXXX XXXX to Experian. The account is currently in active litigation, and I have submitted documentation to both the furnisher ( XXXX ) and the credit bureau ( Experian ). Despite this, Experian continues to report the account negatively without reflecting its " disputed '' status as required under FCRA 623 ( a ) ( 3 ). 

I formally requested that Experian investigate the accuracy and update or remove the account. Instead, Experian has only marked the dispute as " updated '' without addressing the core issue or providing a clear explanation. 

This continued reporting is inaccurate and harmful, and I am requesting that the CFPB investigate and enforce correction or removal of this tradeline in compliance with the Fair Credit Reporting Act. 

Supporting documents are available, including my dispute letters + certified mail receipt, legal documents confirming litigation, and Experian 's 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed an account being reported by XXXX XXXX XXXX to XXXX. The account is currently in active litigation, and I have submitted documentation to both the furnisher ( XXXX ) and the credit bureau ( XXXX  ). Despite this, XXXX  continues to report the account negatively without reflecting its " disputed '' status as required under FCRA 623 ( a ) ( 3 ). 

I formally requested that XXXX  investigate the accuracy and update or remove the account. Instead, XXXX  has only marked the dispute as " updated '' without addressing the core issue or providing a clear explanation. 

This continued reporting is inaccurate and harmful, and I am requesting that the CFPB investigate and enforce correction or removal of this tradeline in compliance with the Fair Credit Reporting Act. 

Supporting documents are available, including my dispute letters + certified mail receipt, legal documents confirming litigation, and XXXX  's response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
These companies checked my credit without my permission, and it has damaged my credit and credit score. I already spoke with TransUnion, and a representative told me the inquiries would be removed, but they are still showing up. These unauthorized and fraudulent checks are making me anxious and worried that I may be a victim of identity theft. This is causing me a lot of stress, and it needs to be fixed right away.

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 2025-04-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute oXX/XX/XXXX Request for Investigation and Removal Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2800.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking 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 2025-04-21 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute oXX/XX/XXXX Request for Investigation and Removal Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2800.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " XXXX XXXX XXXX XXXX '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>XXXX  I received a text from XXXX XXXX wanting to confirm a debit of {$22.00}. I was in the process of posting an ad on XXXX  and approved thew amount. Later I noticed about 20 debits on my account to XXXX. I called Renasant and reported my debit card was being used and told them it was unauthorized charges. 

My card was used 20 times for a total {$520.00}. I have disputed the charges again on XX/XX/XXXX and was told it would be 10 working days before any action could be taken to refund any monies. 

On XX/XX/XXXX XXXX XXXX XXXX told me that I was liable for all charges since I authorized that one charge of {$22.00}. I explained that I disagreed with their reasoning and went to the local office in XXXX Mississippi. 

The lady there called someone and spoke to them on the phone and from my understanding i was to hear back by the end of the day on XX/XX/year>. 

Today is XX/XX/year> in the XXXX. I have yet to hear from XXXX XXXX. I have spoken to XXXX  and I was told that Renasant is wrong about being liable charges.

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 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment of {$150.00} to Netpay Advance via debit card for my payday loan. This transaction is fully posted to my checking account and the funds have been withdrawn by Netpay Advance. 

Despite this, the company continues to contact me via phone calls, text messages, and emails claiming I have a past due balance and threatening to send my account to collections. I have provided them with proof of payment via text and email and have received no response addressing my concerns.

Company response to consumer: Closed with explanation