vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complains has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the transition credit reporting agency, block information from appearing on my consumer credit report that Is the result of identity theft and fraud within 4 days of receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX on XXXX under the account number XXXX with a balance of {$530.00}. A credit card opened with XXXX XXXX on XXXX under account number XXXX with a balance of {$290.00}. A credit card opened at XXXXXXXX XXXX XXXX under account number XXXX with a balance of {$5900.00}. A credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of {$380.00}. A credit card opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of {$180.00}. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on m consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquires mentioned.The aforementioned accounts, collections, and hard inquiries were not opened, made or initiated by me. All of the aforementioned accounts, collections, and inquiries are the result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( Reference number XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For years, and I do mean YEARS, Equifax had NOT updated my credit profile. Even when my XXXX  is at XXXX credit scores, Exquifax has never updated my credit profile. They constantly maintain it at XXXX. This has credit a lot of issues with me obtaining jobs, and even credit. Now that my entire identity has been exposed due to hackings on Exquifax, XXXX, and a few other website where I have my account, I am asking them to sweep my credit. It has been going on a decade that even though my credit scores has risen on XXXX  at times, Equifax does not update any of my scores or info, and keeps me in the XXXX credit score. If they do not fix this issue, I am looking at arbitration for damages. 

Because if the data leak, my information was been out o. The dark web. And I have been trying to fix it, but I get hundreds of spam emails every week. Plus my emails and accounts constantly getting hacked due to the Exquifax data hacking.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/scrub>XXXX  XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX 1681i ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX XXXXe ) for deceptive and misleading 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 2025-05-08 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: Block, Inc.
State: TX

Complaint narrative:
So in the beginning of XXXX, I was scammed out of {$500.00} from a false company that was pretending to be XXXX XXXX, due to an unknown transaction through my XXXX XXXX that I never made before. I called the company, but it was the wrong number and made me do a whole process through Cash app. They ended up taking XXXX dollars through bitcoin and tried to make me send XXXX more to them, I called my bank first to requesting a case for fraud than cashapp, they said they would work together on the case So about 3 days later my bank confirmed it was fraud sending the money back into my account and closing the case, and about a week later cashapp sent me a email saying that they closed the case and I was fully responsible for the XXXX dollars, about a few weeks later sending me a notice through mail that they will take the money from my account on XX/XX/XXXX. They took my money out, and I tried to get a hold of them but they werent giving answers I eventually closed my account with them and tried to do follow up a month later asking why they took my money out again, they never responded back to my complaint and I was left with debt I had to end up paying for.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My TransUnion credit report inaccurately lists multiple charge-off accounts, including XXXX XXXX ( XXXX ) dated XXXX, XXXX ( XXXX ) dated XXXX , and XXXX ( XXXX ) dated XXXX with a balance of {$730.00}. These entries are deeply concerning, as they not only misrepresent my financial history but also significantly damage my credit score and financial reputation. The presence of these unvalidated charge-offs is a clear violation of my rights under XXXX USC XXXXn , XXXX ( c ) 2, and XXXX ( g ), which require accurate and complete reporting of account statuses. The stress of seeing these inaccurate entries, especially from well-known financial institutions, has taken a toll on my peace of mind and financial stability, limiting my ability to access fair financial products. Given the sensitive nature of financial data, the presence of these errors also raises concerns about potential data breaches, which further erodes my confidence in the accuracy and security of my personal information.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/ 2025 I was at XXXX. I tried to purchase a {$50.00} XXXX Gift card and a {$500.00} gift XXXX card. The {$50.00} dollar card was approved but the {$500.00} was declined. When checking my account the {$500.00} was taken out of my account. Chime says XXXX got the money, XXXX said they did not get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM WRITING TO YOU TO FORMALLY NOTIFY THAT I AM A VICTIM OF IDENTITY THEFT. I DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN USED WITHOUT MY CONSENT, AND I AM TAKING IMMEDIATE STEPS TO ADDRESS THIS SITUATION.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
This item was purchased by a third party Debt Collector. This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the third party debt collector. How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate and complete.DELETE THIS IMMEDIATELY

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made several attempts to request a deletion of fraudulent information from my Transunion credit report and they refuse to correct the inaccuracies. I was told to re-upload documents that Ive already submitted XX/XX/year>. I made a new complaint today and attached the FTC report and the supervisor keeps telling me he cant see the attachments. Transunion has violated my consumer rights and I demand this company to delete all requested disputes from my report immediately!

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I was made aware of the debt from portfolio recovery, on XX/XX/year>, this is not my debt and is a result of someone stealing my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I am filing this complaint against Experian for failure to correct inaccurate mortgage reporting tied to my XXXX XXXX account, despite receiving formal disputes and comprehensive supporting documentation. 

The XXXX XXXX tradeline was added to my Experian credit report in XX/XX/XXXX following the servicing transfer of my mortgage from XXXX XXXX. The account began reporting 30-day and 60-day delinquencies, which are factually incorrect and materially misleading.

Here is the timeline : - My mortgage was originally serviced by XXXXXXXX XXXX  and entered CARES Act forbearance on XX/XX/XXXX, while the account was current. 
- I completed a series of trial plans and modifications, culminating in a permanent loan modification on XX/XX/XXXX. At no point was I in default. 
- The loan was transferred to XXXX XXXX effective XX/XX/XXXX, and I have continued making payments under the modified agreement. 
- Within days of the transfer, Experian began reporting 30- and 60-day late payments for this account. This reporting is entirely inaccurate. 
- I formally disputed this with Experian in XXXX and XX/XX/XXXX, providing the following documentation : - Loan modification agreement ( XX/XX/XXXX ) - Payment confirmations- Mortgage statements- Certified correspondence with both XXXX XXXX  and XXXX XXXX - City tax documentation disproving escrow-based delinquency claims Despite this, Experian failed to correct the tradeline for over 30 days. On XX/XX/XXXX, the account was marked as " Paid on time, '' but there is no assurance the account won't revert or continue to display late payments due to inconsistent data being furnished by XXXX. Experian has not provided any explanation, resolution letter, or verification methodology used during its reinvestigation. 

I have raised this matter with XXXX, CFPB ( against XXXX XXXX, XXXX and XXXX XXXX, and all agencies have acknowledged receipt. XXXX confirmed in a call on XX/XX/XXXX that my case is being referred to its Office of Investigations.

Experians mishandling of my dispute violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a full and timely reinvestigation of disputed data. It also violates the spirit of Metro 2 reporting standards, which require data furnishers and bureaus to avoid materially misleading reporting.

Requested resolution : Permanently correct or suppress any derogatory payment history related to XXXX XXXX Provide full written results of all reinvestigations conducted Stop reinserting disputed late payments unless they are fully verified in compliance with FCRA 1681i ( a ) ( 5 ) ( B ) Confirm proper Metro 2 formatting has been applied to this account I am attaching supporting evidence, including credit report screenshots, timeline summaries, and verified mortgage documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I am submitting a complaint against Equifax, Transunion and Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. XXXX ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXXday period ( 15 U.S.C. XXXX ( a ) ).

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

Complaint narrative:
I am submitting a complaint against Equifax, Transunion and Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. XXXX ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXXday period ( 15 U.S.C. XXXX ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
NCB management company states they are a collection agency to who I have never brought and products or services from at all! And XXXX XXXX XXXX sold this company NBC management company this collection in the amount of XXXX and I never signed or gave the authorization for XXXX XXXX XXXX permission to sale any of my information to this company at all. And thy call me from different numbers and different times of the day and stating I owe NCB management company XXXX.Practices Act ( FDCPA ), 15 USC 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 USC S1681 et seq., and applicable state laws. I HEREBY DISPUTE THIS ALLEGED DEBT IN ITS ENTIRETY. Under 15 USC 1692g ( b ), I request that you provide COMPLETE verification of this alleged debt, including : 1. A copy of the original signed contract or agreement that created this alleged debt, showing my signature ; 2. Complete documentation showing the chain of title proving your company is the current legal owner of this debt and has standing to collect, including all

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 — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am filing this complaint against LexisNexis for their continued reporting of XXXX fraudulent XXXX XXXXXXXX bankruptcy filings on my consumer report, despite my submission of an Identity Theft Report as defined under Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). 

These bankruptcies ( Case XXXX XXXXXXXX and Case XXXX XXXXXXXX ) were not filed by me and are the result of identity theft, which I have formally reported to the Federal Trade Commission. I have also provided LexisNexis with all supporting documentation required under the law, including proof of identity and a written statement disputing the accuracy and ownership of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I made a high-value purchase ( {$36000.00} ) at a live auction hosted by XXXX XXXX XXXX  ( XXXX ), where I was misled into buying several pieces of jewelry and artwork based on false and materially inaccurate representations. The auctioneer claimed the jewelry was XXXX gold ( it was actually XXXX ), that a gemstone was watermelon tourmaline ( it was not ), that the artwork was original hand-drawn sketches by XXXX and XXXX ( they were later confirmed to be mass-produced prints ), and the diamonds were described as XXXX quality but are found to be XXXX. These representations were all made verbally and visually ( including showing comparable items on the auctioneers phone ) in a high-pressure sales setting. 

After discovering the misrepresentations, I submitted a dispute to American Express in good faith with substantial documentation. 

American Express denied the dispute and appeal, incorrectly citing an all sales final policy and failing to properly review or consider the material misrepresentation of the goods, a core protection under their cardmember agreement. The items delivered were not what was promised. Amexs dispute resolution team appears to have treated this as a change-of-mind return rather than a case of fraud and misrepresentation. They did not request clarification, nor did they address the discrepancies in the evidence I submitted. 

I am requesting the CFPB to review this matter and help ensure Amex appropriately honors its consumer protection responsibilities by reconsidering the dispute based on the actual merits and documented misrepresentation, not blanket policies that do not apply to fraudulent sales.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief