vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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:
Subject : Request for Verification and Correction of Inaccurate Information on My Credit Report Due to Possible Fraudulent Activity Dear Sir/Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> / XX/XX/year> 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 2025-04-10 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: NY

Complaint narrative:
I need clarification as why you reporting information again with out previous notification XXXX  days prior reinsertion XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask experian, equafax, and transunion to validate the debt experian took over XXXX  days because the creditors couldnt be able to send a legal validation along with some inaccurate history reported experian Deleted both of the collections and XXXX  month later they reinstated with out writing notification and the history remains inaccurate in all XXXX beraus on XXXX how do I know which one is the correct.

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 2025-04-10 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: NY

Complaint narrative:
I need clarification as why you reporting information again with out previous notification XXXX  days prior reinsertion XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask experian, equafax, and transunion to validate the debt experian took over XXXX  days because the creditors couldnt be able to send a legal validation along with some inaccurate history reported experian Deleted both of the collections and XXXX  month later they reinstated with out writing notification and the history remains inaccurate in all XXXX beraus on XXXX how do I know which one is the correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Transunion for failure to comply with the Fair Credit Reporting Act ( FCRA ). I submitted formal written disputes regarding inaccurate or incomplete information on my credit report on XX/XX/year>, and the credit bureau ( s ) have not responded or completed their investigation within the XXXX period as required by law. 

Under the FCRA, credit reporting agencies are required to investigate disputes and respond within 30 days of receipt of a consumers notice of dispute. As of today, more than 30 days have passed without any communication, results of an investigation, or confirmation of reinvestigation. This failure to respond violates federal law and obstructs my ability to ensure the accuracy and fairness of my credit file. 

I am requesting that the CFPB take immediate action to compel the credit bureau ( s ) to comply with FCRA requirements, complete the reinvestigation of my disputes, and provide a full response in writing. I am also requesting that the credit bureaus be held accountable for their noncompliance.

Supporting documentation is available upon request. I also submitted utility bill, ID, and SSN with my letters.

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 2025-04-10 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: AZ

Complaint narrative:
XXXX XXXX  XXXX  had failed to report the correct balance of my account. I currently have XXXX remaining and for months XXXX XXXX has been reporting the balance to be XXXX. I have tried several different ways to make this correct and they refuse.

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 2025-04-10 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: AR

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 2025-04-10 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: AR

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I deposited an insurance claim check into my Bank of America account. The deposit was never processed, and the bank failed to notify me. After I followed up, I was told the check was rejected due to a missing endorsement. That is false I did endorse the check. 

Additionally : They claim to have sent me a notification letter, but I have XXXX XXXX XXXX, and no such letter was ever sent. 
There is no scanned image of the check in my transaction history, which further suggests mishandling. 
I missed bill payments while waiting for this check to clear, which caused my credit score to drop. 

I am requesting : A thorough investigation A reissue of the check or expedited resolution Support from the bank in disputing any credit damage Any necessary compensation for the financial harm caused

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Case Reopen Summary ( For Portal Text Box ) : I am requesting that Complaint # XXXX be formally reopened and escalated. 

New evidence shows that XXXX XXXX XXXX XXXX XXXX ) and XXXX  XXXX submitted multiple contracts under falsified income without my knowledge or consent. Although I signed XXXX contract at the dealership, I later discovered it also contained fraudulent income figures. Following my dispute, XXXX created a third loan account with different termsbut I was never informed of this change, never signed a new agreement, and my attempted payment was rejected, likely because the account was never finalized. 

XXXX continues to shift responsibility to the dealership, yet they are the lender that funded and maintains the loan. This mishandling is now causing financial and emotional hardship. 

I have attached a detailed letter outlining the full timeline, legal concerns, and parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-04-10 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: FL

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please help me create a dispute letter for civil liability negligence noncompliance.

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 2025-04-10 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: IL

Complaint narrative:
Please help me create a dispute letter for civil liability negligence noncompliance.

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 2025-04-10 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We DID NOT purchase ant vouchers or gift cards! The merchant has blatantly lied and copied & pasted fictitious receipts. 

A simple XXXX  day XXXX person mini vacay turned into a nightmare. I feel if the credit card company followed thru with investigating the matter, its evident. I would have NO REASON to purchase items the merchant has provided as their evidence. 

This merchant hacked several of our credit cards. We were at a casino trying to get a cash advance and upon arriving in the USA, a bunch of charges started hitting. We notified all credit companies immediately. 
XXXX XXXX, found fraud immediately along with my wifes personal bank card. 
This merchant is claiming they are but affiliated with any casino and thats absolutely a lie. We were only at the casino a short walking distance from our room. 
The receipts the credit company is allowing hasnt any address or phone number. Items listed are ketchup, kids diapers, surgical supplies, a stove, faucetthe list goes on. 
I provided a timeline of our entire trip. 
I believe so many employees work from home and are NOT investigating this matter to the fullest. 

XXXX XXXX, wife XXXX & do not nor would not need nor have any means of getting TENS OF $ XXXX of this stuff on a plane home. Its not rocket scientist material. 

Definitely need help with this fraudulent activity as the merchant has to be trying to launder money. The XXXX XXXX is known for these scams. Unfortunately, we didnt know this until it happened to this on our cards/account. 
They even did this to my step sons credit card. 
All amounts are close to $ XXXX {$5000.00} repetitively. 
Credit Card Companies involved : Wells Fargo, XXXXXXXX XXXX XXXXXXXX XXXX ( which found all charges fraudulent ) & XXXX ( my step sons card ). 
My credit card history speaks volumes of how I charge and pay monthly. 
The scam the XXXX  are doing to tourists must stop.

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 2025-04-10 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: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$0.00} The fundamental basis of credit reporting depends on strict adherence to regulatory requirements and unwavering accuracy. What steps have been taken to guarantee that all of the information in this account satisfies the requirements? If there are any discrepancies, I demand that all false information be immediately removed from my profile. 

XXXX - Account # XXXX Balance : {$4900.00} I respectfully ask that you take immediate action to resolve the data inconsistencies pertaining to this account. Ensuring verified information is essential because it has a significant impact on your reports ' credibility. In order to maintain the required standards and clear the records, kindly take action. 

XXXX XXXX - Account # XXXX Balance : {$0.00} Inconsistencies in your most recent report cast doubt on its veracity. In addition to being important, action is essential. Please give these disparities the careful consideration they require. Only verifiable information ought to be included in the records. It is unacceptable to deviate from this accepted norm in any way. This calls for the false information to be removed. 

XXXX XXXX XXXX - Account # XXXX Balance : {$5400.00} I insist on prompt openness about the accuracy and compliance with rules pertaining to the reporting of this account. The only reasonable course of action, in the absence of tangible proof of your exacting standards, is to remove all dubious entries from my profile. 

XXXX - Account # XXXX Balance : {$0.00} It is important to note that even a small departure from accepted reporting guidelines may raise questions about the data 's accuracy. It appears that your report might not have followed these rules exactly. Please correct any incorrect information in order to address these errors. 

XXXXXXXX XXXX XXXX  - Account # XXXX Balance : {$0.00} I would like to draw your attention to possible inconsistencies in the reporting, which could have an adverse effect on any future financial considerations in my name. Considering the importance of flawless reporting, I insist on a thorough examination and, if necessary, the total removal of any inaccurate data.

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 2025-04-10 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: CL Holdings LLC
State: CT

Complaint narrative:
I am filing a complaint regarding the unauthorized sharing of my credit report information, which I did not consent to. Additionally, my identity has been stolen, and I have already reported this matter to the IRS. The unauthorized access and sharing of my credit details have caused significant concern, and I am worried about potential fraudulent activity. I am requesting that the Consumer Financial Protection Bureau investigate this issue, remove any inaccurate or unauthorized information from my credit report, and ensure my credit is protected from further misuse. I also ask for guidance on securing my credit and preventing future identity theft incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I received a communication from a company on XX/XX/year> identifying itself as XXXXXXXX XXXX XXXXXXXX '' attempting to collect a debt allegedly owed to Synchrony Bank. The alleged debt is over XXXX XXXX XXXX, and based on my records and XXXX law, it is well beyond the statute of limitations for collection. Despite this, the company sent me documents designed to look like official court forms, using intimidating language such as Judgment Orders Pending Wage Garnishment and a Case File Number, though no real lawsuit has been filed and no actual court documents have been served. 

This appears to be a misleading and deceptive collection practice, and I believe it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I never received any judgment paperwork, court notice, or summons. The document was formatted to look official but lacked a case number issued by any court or court seal. 

I have not acknowledged or made any payments on this alleged debt in over XXXX  years. I am requesting that XXXXXXXX XXXX XXXX cease all contact with me, and I request the CFPB investigate whether this company is using deceptive practices to pressure consumers into paying time-barred debts.

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 2025-04-10 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: CA

Complaint narrative:
I did not authorize this inquiry, and it has no permissible purpose. I have no knowledge of this request, nor did I give anyone permission to pull my credit report. This inquiry is completely unjustified and should not be on my file.

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