vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-07 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: NY

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$13.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-07 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I just reviewed my credit report and found an inquiry from your company that I did not authorize. Let me be clear I did not apply for credit with you, and I never gave permission for this inquiry to be made. This is fraudulent, plain and simple.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint is in regard to Factor Trust XXXX 's failure to properly verify, correct, or remove inaccurate, outdated, and unsubstantiated information on my consumer report. Despite a formal dispute submitted on XX/XX/XXXX, Factor Trust has continued to report : Incorrect personal information, including : Name : " XXXX A XXXX '' instead of " XXXX XXXX XXXX '' XXXX : XX/XX/XXXX ( disputed ) Addresses : XXXX XXXX XXXX and XXXX XXXX XXXX, which are no longer valid Employers : XXXX XXXX and XXXX XXXX ( incorrect/unverified ) Erroneously reported accounts, such as : XXXX XXXXXXXX and XXXX ( paid accounts still marked derogatory ) XXXX XXXX XXXX ( inaccurate derogatory status ) XXXX accounts multiple entries with incorrect balance/remarks XXXX XXXX XXXX XXXX ( not validated ) Collections and public records with no proper method of verification provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XX/XX/XXXX that lacks permis

sible purpose under 15 U.S.C. 1681b, and Factor Trust has not removed or justified it. My original letter requested tangible, verifiable evidence confirming the legitimacy of each item in accordance with : FCRA 611 ( 15 U.S.C. 1681i ) FCRA 604 ( 15 U.S.C. 1681b ) Metro 2 and CDIA/CRRG compliance standards Factor Trust has not provided a timely response or documentation validating the continued reporting of any of these items. Their failure to correct or remove the information within the required 30-day period after my dispute constitutes willful noncompliance and violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 5 ).

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, Goldman Sachs BA Collections withdrew {$30000.00} from my XXXX checking account in an unauthorized transaction. I have no accounts with XXXX. 

I have contacted XXXX and they have opened a claim and are investigating. XXXX stated the transaction was based on my account number and tracking number. 

I have scheduled an appointment to close the account and open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year> I attempted to deposit at ATM number XXXX JP Morgan Chase Bank XXXX XXXX XXXXXXXX, {$1000.00} in the form of XXXX crisp new or newer {$100.00} bills. I logged in, the machine opened up to accept the cash. It took it all at once. I heard it rolling around in there repeating itself over and over again and I suspected perhaps I shouldve gone inside And after rolling for for a while it screen of death came up and said that this ATM is now jammed call this phone number. No receipt no other specific message. I had swiped my card so it wasnt in there. I stayed in the lane for several minutes even moving the people ahead of me or behind me rather to try calling the number. The number was wrong. But I did call the correct Chase number and they opened a dispute on XXXX XXXX and yesterday they canceled and denied it. I have no idea why I dont know where that money went. Ive been with them for 10+ years. Perfect customer many many transactions on a daily basis I would be willing to sign an affidavit to the fact that I deposited this money under oath. I take a lie detector. The machine ate my money and theyre telling me theres no real record of the transaction. Theyre saying something like the machine moved and rolled, but it didnt receive anything so please help. let me know what I can do to to assist you further and Id appreciate anything. I couldnt believe anything like this could happen. Im XXXX years old. Ive never had anything remotely this crummy happen at a major bank. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: NJ

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 2025-05-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
On XX/XX/year> there was an unauthorized transaction on my account for {$280.00} the time was approximately XXXX. The money was transferred to a card ending in XXXX. I called in as soon as I could that same day first thing in the morning to report this fraudulent transaction. I was told a 10 day investigation had to be done but I could hear back before 10 days. Within that 10 days ( about day XXXX ) my phone number and email was removed from my account. I called in immediately to report this. I was told they would contact me via my original email not the one that was placed on my account by the person ( s ) that stole my money. I waited the rest of the 10 days did not receive an email so I called in again to see what was the hold up. I was told they sent an resolution to the matter to the email on file which was the email that the scammers out on there not the original email that was on the account t line they stated they would. I explained I got no emails because that email was not my it was an outlook email I dont have a XXXX outlook email addres at all. Then was transferred to a department that would get me back into the account. I went through the steps with that department and regained access to my account but was told an resolution was already sent about the major and I should recheck my email or she could request the documents on the fraudulent transaction and that if needed she would resubmit the case. I asked her to do all of the above. I was told I would receive and email in 10 days once again. So I waited til day XXXX called in and was told they would have someone reach out via email. That turned into me reaching back out today and being told the transaction matched past transactions in my history which is completely impossible. So I requested all documentation involved with the investigation and was told someone would be with me within 10 days. This situation has caused me so much hardship. On top of that I have been disrespected by cashapps employees being hung up on and forwarded to a survey. Being yelled at and treated like I took money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX/XXXX/2025

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 2025-05-08 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer.

* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.

2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 

You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
See attached. Remove accounts. Send to Experian. Equifax. And Transunion.

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 2025-05-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am reaching out to FIFTH THIRD BANK NA to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : FIFTH THIRD BANK NA XXXX Date Opened : XX/XX/year>2020 Balance : {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Subject : Debt Validation and Request for Assignment of Contract Account/Reference Number : [ Insert account number if available ] Dear [ Debt Collectors Name ], This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation and verification of the alleged debt you claim I owe, including but not limited to : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges ; The name and address of the original creditor ; A copy of the original contract or agreement bearing my signature, demonstrating my obligation to pay ; A full chain of assignment and/or a copy of the assignment contract ( s ) transferring the alleged debt from the original creditor to your agency, showing legal standing and right to collect ; Proof that you are licensed to collect debts in [ Your State ], including your license number ; A complete payment history from the original creditor.

Until you provide the requested validation and proof of assignment, I dispute the validity of this debt, and I request that you cease all collection activities and remove any reporting of this alleged debt from all credit reporting agencies.

Please note : This letter has been sent via Certified Mail, Return Receipt Requested, to ensure documented receipt. All future communications must be made in writing only to the address listed above.

If you fail to validate this debt as requested, or can not provide a valid assignment contract, you must immediately cease collection efforts and delete any tradelines associated with this alleged debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This complaint is regarding a mail-in returns from Target.com package that have been delivered back into Target 's possession for weeks but for which I have not been reimbursed, as Target is required to do per its own return policy. This item was purchased on my Target Red/Circle card. I mailed the return back in unused condition and within the return timeframes stipulated in Target 's return policy, and in full accordance with such policy. Target is in violation of its own return policy as well as the law. I must be promptly refunded for this return item. Target 's failure to do so is unacceptable and illegal. 
When I submitted a XXXX complaint about this issues, Target responded that the return was not eligible for refund, but did not provide any justification for that falsehood. As I noted above, it was sent back in unused condition and within the return timeframes stipulated in Target 's return policy, in full accordance with such policy. There is absolutely no basis for Target to deny the refund I am due, and it's extremely alarming that the company submitted fraudulent information to the XXXX XXXX XXXX in response to my complaint. 

Order XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX - XXXX delivered XXXX I sent back the return using labels provided by Target, and I've included the tracking number above. I look forward to a swift resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Eqiufax first what account name and number this is your third stall response you have my information even online also the CFPB has the information you even send me mail and emails this is just another stall letter I hope the CFPB looks into your investigation tactics, funny you have my address in your response now what account are you referring to

Company response to consumer: Closed with explanation