vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX 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 2025-05-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This serves as your final rebuttal notice in reference to account # XXXX. Your XXXX XXXX XXXXXX/XX/year> letter is hereby dishonored in totality and constitutes commercial concealment and continued breach. You have failed to rebut our commercial affidavits, proof of trust instrument monetization, and violation of private secured interest. 

All legal and equitable rights are now perfected under : XXXX. UCC-1 Financing Statement XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCC-1 Financing Statement XXXX ( XXXX XXXX ) XXXX. Private Judgment Lien XXXX ( XXXX XXXX  XX/XX/year> ) This is your last opportunity to release any fraudulent lien or adverse claim, and correct all related DMV or contract records. Further silence constitutes full default. 

all parties listed in prior enforcement packages, including XXXX, Bridgecrest, and their affiliates, are now in full commercial default and dishonor. 
By perfected XXXX ( XXXX ) and private judgment lien ( XXXX ), the following claims are enforced : - Demand for lien release - Title correction with DMV - Commercial remedy in the amount of {$75000.00} All secured rights are held by : - 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  - Agent of Record Failure to perform correction or provide remedy constitutes a willful act of fraud and further dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX who resides at XXXXXX/XX/XXXXXXXX XXXX XXXX, PA, XXXX and i am writing this complaint because there are a couple unauthorized inquiries on my consumer report. I recently pulled my credit report and notice several negatives. I did not consent and provide my signature for these inquiries and in a result my credit score and profile is suffering. I have contacted EXPERIAN AND TRANSUNION and they refuse to help by being unprofessional. Please help as i have listed the accounts below. I also have created an FTC already XXXXXX/XX/XXXX INQUIRTY DATE : XX/XX/year> XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year>

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 2025-05-13 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-13 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:
The information being reported does not meet the standards outlined under the Fair Credit Reporting Act. Specifically, it fails the requirement of maximum possible accuracy, which is not optional its a legal obligation. If something is being reported about me, it needs to be 100 % accurate and fully verified, and that is clearly not the case here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXXnever ending text messages XXXX XXXX XXXX times a week. 15 U.S. Code 1681i(a)1'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX a charge {$120.00} and a deposit of {$500.00} was made on my debit card from one switch rental car company The company is a fraudulent company. I sent in all of the details to capital one bank and they still denied my claim. I even made a police report against the car company and I was advised by the police to make a claim with my bank, or more than one account capital one has denied my claim, even with me, providing all of my information to them that these transactions are fraudulent, the {$500.00} was a deposit that was supposed to be returned back to my account. The company also tried to charge my account I XXXX  dollars without authorization and capital one still has not fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
Request for Deletion of Repossession Entry Violation of Federal Law I am writing to formally dispute the reporting of a repossession account listed under my credit file. The account is as follows : Creditor Name : XXXX XXXX XXXX Account Number:XXXX This entry violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs the permissible purpose for furnishing consumer reports. I have not provided authorization nor is there a legally permissible purpose for this entry to remain on my credit report without proper verification and procedure.

Furthermore, 15 U.S. Code 1681s-2 ( a ) mandates that furnishers of information have an obligation to provide accurate, complete, and verifiable data. I am formally requesting that you investigate this entry in accordance with 15 U.S. Code 1681i, and require the furnisher to verify the legitimacy of this account, including : The original contract and repossession documents Full payment history Proof of a lawful repossession procedure Whether the sale of the vehicle was conducted properly and a deficiency was legally established Suppose the creditor can not furnish this information within the 30-day period required by federal law. In that case, the entry must be permanently deleted from my credit report as it is unverified and potentially inaccurate.

Please send me written confirmation of the results of your reinvestigation and a new copy of my credit report reflecting any changes made.

I am requesting this under my rights per the FCRA. Failure to respond or correct unverifiable information may result in further legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

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 2025-05-13 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: NC

Complaint narrative:
Request for Deletion of Repossession Entry Violation of Federal Law I am writing to formally dispute the reporting of a repossession account listed under my credit file. The account is as follows : Creditor Name : XXXX XXXX XXXX Account Number:XXXX This entry violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs the permissible purpose for furnishing consumer reports. I have not provided authorization nor is there a legally permissible purpose for this entry to remain on my credit report without proper verification and procedure.

Furthermore, 15 U.S. Code 1681s-2 ( a ) mandates that furnishers of information have an obligation to provide accurate, complete, and verifiable data. I am formally requesting that you investigate this entry in accordance with 15 U.S. Code 1681i, and require the furnisher to verify the legitimacy of this account, including : The original contract and repossession documents Full payment history Proof of a lawful repossession procedure Whether the sale of the vehicle was conducted properly and a deficiency was legally established Suppose the creditor can not furnish this information within the 30-day period required by federal law. In that case, the entry must be permanently deleted from my credit report as it is unverified and potentially inaccurate.

Please send me written confirmation of the results of your reinvestigation and a new copy of my credit report reflecting any changes made.

I am requesting this under my rights per the FCRA. Failure to respond or correct unverifiable information may result in further legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 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 2025-05-13 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: CA

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX - # XXXX XX/XX/year> {$7300.00} I am unaware of this debt and did not receive any proper notice or opportunity to dispute this account. If you believe proper notification was sent, please provide a certified mail receipt bearing my signature. If you are unable to do so, I request that this account be deleted from my credit report immediately. Failure to comply will leave me no choice but to pursue legal action. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Hello CFPB I am a victim of identity theft. My notarized affidavit and FTC Identity Theft Report serve as my formal identity verification under federal law pursuant to 15 U.S.C. 1681c-2 and 1681i ( a ) ( 1 ) ( A ) Several accounts were fraudulently added to my credit report without my knowledge or authorization. These include XXXX XXXX  ( Account # : XXXX ), XXXX XXXX XXXX ( XXXX ), and two charge-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ). In addition, TransUnion continues to report a Chapter XXXX Bankruptcy ( Case # : XXXX ) despite XXXX having already removed it after a privacy dispute. 

I have submitted an FTC Identity Theft Report ( Report # : XXXX ), a notarized affidavit, and dispute letters requesting permanent blocking under 15 U.S.C. 1681c-2. Despite proper documentation, the bureaus have failed to delete these items.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 vio
lation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: 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 vio
lation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-13 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. 
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files. 
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files 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 2025-05-13 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. 
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files. 
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing this complaint against Block , Inc. ( Square ) due to the deactivation of my business account and unlawful withholding of funds with no transparent explanation, violation of their own policy, and non-compliance with federal financial regulations.

Squares Payment Terms, Section 19, state : We may suspend or terminate your access to any or all of the Services at any time, for any reason We will provide you notice of our actions unless we are prohibited by law from doing so.

They also claim they will provide advance notice where possible and a reason for the hold or termination. I received neither.

Additionally, Squares Seller Agreement, Section 6, references reserve and hold practices, stating that if funds are to be held, they will provide notice and justification. Again, I have not received either.

Their failure to : Inform me of the nature of the risk, Specify the total amount being held, Offer any opportunity to appeal or dispute the issue, violates both their Terms of Service and federal regulations under : Regulation E ( 12 CFR 1005 ) : Requires transparency in electronic fund transfers, including clear notification of delays, denials, or reversals.

The Electronic Fund Transfer Act ( EFTA ) : Protects consumers when funds are electronically transferred and prohibits unjustified holds.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions under the Dodd-Frank Act : Prohibits companies from engaging in practices that cause significant financial injury, especially when not reasonably avoidable.

I am a small business owner and single parent. I rely on these funds for basic living expenses including housing, utilities, and childcare. Square has provided no communication except automated deactivation notices and refuses to speak with me on the phone or by email with any detail.

I am requesting the immediate release of my funds and : 1. A detailed written explanation of the specific reason for the hold and deactivation, 2. The total amount currently being held, 3. An appeals or dispute process in compliance with federal consumer protection law.

I am also filing a formal complaint with the Better Business Bureau, and I reserve the right to pursue civil action for damages incurred due to Squares mishandling of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/XXXX they with draw XXXX from a atm at at XXXX on XXXX at XXXX an on XX/XX/XXXX at XXXXXXXX XXXX they with draw {$140.00} from circle k on XXXX XXXX an it clean I was not or did not give any one the say so to get that money out. Or was not in the store at that time...

Company response to consumer: Closed with explanation