vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against TransUnion for continuing to report inaccurate and unverifiable information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Despite my disputes, TransUnion continues to report accounts that are inaccurate, unverifiable, and in some cases duplicative. This is a clear violation of FCRA 1681i ( a ), which requires the credit reporting agency to delete information that can not be verified, and 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 

The following accounts are in dispute XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Balance {$550.00} Date Opened XXXX XXXX XXXX XXXX Reported with an unverifiable balance. No documentation proving accuracy has been provided. Continued reporting without verification violates 1681i. 

XXXX Account XXXX XXXX XXXX XXXX XXXX  Balance {$960.00} Date Opened XXXX XXXX XXXX XXXX Reported with an unverifiable balance. No proof of accuracy or validation was provided by the furnisher. This violates 1681s-2 ( b ) and 1681e ( b ). 

XXXX Date Opened : XX/XX/year> Appears to be a duplicate or erroneous entry, inflating the appearance of debt. Duplicate reporting is misleading and unlawful under 1681e ( b ). 

By continuing to report these items without providing documentation proving their validity, TransUnion is engaging in negligent or willful noncompliance with the FCRA. Under 1681n and 1681o, this exposes them to liability for actual damages, statutory damages, attorneys fees, and punitive damages. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau require TransUnion to : Conduct a lawful reinvestigation of the accounts listed above. 

Provide me with documented proof from the original creditors verifying the accuracy of these accounts. 

Delete all accounts that can not be fully verified with original documentation. 

Correct any duplicate or erroneous entries.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX  XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
On XX/XX/year> I received an automated call at XXXXXXXX XXXX from phone number XXXX instructing me that " Genesis '' ( the name of the company ) was attempting to contact me regarding an attempt to collect a debt. 

The message instructed me to call them back at XXXX. Upon calling back at XXXXXXXX XXXX, I made contact with a male employee ( I'm not sure of his name but all of their calls are recorded, so they would have the recording on file ) I explained to them that I mailed an offer letter to them and that I assumed their request for me to call back was in response to my letter. He confirmed they received the letter on the XXXX. He then placed me on hold presumably to check if they can work with my proposal. 

Once he returned to the call, he told me a number ~ {$500.00} higher than my settlement suggestion to which I declined and stated that I would rather wait for it to fall off my credit report. This made him upset and he proceeded to tell me " It won't fall off. '' I said " Yes it will, after 7 years, it has to ''. He said " It won't, you won't be able to rent or finance anything! ". I explained to him that that's not true and proceeded to hang up the phone. 

I find it very disturbing that a collection agency would make inaccurate threats to me about this balance and what would happen to my credit. Furthermore, this company is not even licensed to collect in my state, which requires all debt collection agencies to have a license in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am Treasurer of the XXXX XXXXXXXX XXXX XXXX and manage our bank account at USBank at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. We have a checking and XXXX XXXX account that pays 4 %. 
XXXX  XX/XX/XXXX I noticed USBank did not pay anywhere near 4 % on our roughly {$70000.00} XXXX XXXX account, it was more near XXXX XXXX  of XXXX percent for XXXX months starting XX/XX/year>. USBank owes us near {$800.00} and a fix on our savings rate. 
XXXX  XX/XX/XXXX after XXXX calls to the USBank XXXX, I spoke to the lady who set up our account and pointed out my concern. She said I was wrong, that it says we are paying 4 %. I told her to look at the interest payments. She said well it could float lower. I asked what would be a normal adjustment and the answer was possibly 3.5 %. I said we are earning XXXX of 1 %. She said no, it says 4 %. Finally, after that dialog circle too many times she said yes there seems to be a problem call our toll free number I can not help you. 
XXXX  XX/XX/XXXX I called the toll free number. The person said yes there is a problem and needed to check with someone in another department, I will put you on a short hold. Listened to music XXXX minutes and the line went silent. 
XXXX  XX/XX/XXXX I called back again, new person, same thing, yes a problem I need to put you on hold. I told them what happened XXXX minutes earlier and asked how long the hold would be. They said probably XXXX minutes. I asked for their number in case we got disconnected and they said they cant do that but would call me back if that happened. Got disconnected in about XXXX minutes, again, and no one called me back. 
XXXX  XX/XX/XXXX same exact thing, said hold but it wont take long, no I cant give you my number and yes we will call you back. Eventually disconnected no call back. 
XXXX  XX/XX/XXXX same thing, told him this is round XXXX and he promised he would get it done. No he wouldnt leave his number, yes he promised a return call if we got disconnected. Hold went immediately to disconnect and no call back. 
XXXX  XX/XX/XXXX I walked into the bank and found young man in an office with his glass door closed. I asked if he was a XXXX or could get the XXXX and he explained he was simply a XXXX XXXX but asked me what was wrong. Finally a decent USBank employee. I told him and he said he would give my phone number to the branch XXXX and was sure he would call me. 
XXXX  XX/XX/XXXX XXXX PM the branch XXXX called, I missed him ( XXXX ) he left a XXXX. 
XXXX  XX/XX/XXXX I left XXXX XXXX to him to call back, no response. 
XXXX  XX/XX/XXXX I left a XXXX and said no call back means I file a complaint with the XXXX, CFPB and/or XXXX XXXX No response. 
XXXX  XX/XX/XXXX the interest rate earnings have not been corrected.

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 monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I demand the removal of all fraudulent hard inquiries from my Equifax credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry ( XXXX ) : XXXX - XXXX Unauthorized Inquiry ( XXXX ) : XXXX - XXXX Unauthorized Inquiry ( XXXX ) : XXXX - XXXX Unauthorized Inquiry ( XXXX ) : XXXX XXXX XXXX - XXXX All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Information Solutions , Inc . 


Issue : Incorrect information on my credit report and improper handling of dispute Complaint : Experian has reinserted inaccurate information on my credit report regarding my XXXX account ending in XXXX. The report falsely shows I was 60+ days late, which is untrue. I have never been late on this account, or on any of my accounts.

One of my creditors confirmed that they have asked Experian to remove this item twice, but it remains. Experian has not provided proper verification or notice of reinsertion.

When I try to contact Experian by phone, I am unable to reach a representative and receive automated messages that prevent me from discussing this matter. This denies me a fair process under the Fair Credit Reporting Act ( FCRA ).

I am requesting : Permanent removal of the inaccurate delinquency from my credit report.

Written confirmation from Experian that the error has been corrected.

Proper access to dispute representatives in the future.

This situation is harming my credit and limiting my ability to manage my accounts.

Requested Resolution : Remove the inaccurate delinquency, confirm in writing, and ensure Experian complies with FCRA dispute obligations

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: LA

Complaint narrative:
This company is reporting an accurate information on my credit report. This is a violation of my rights and is a violation of federal law. They need to remove these negative items immediately or we'll seek litigation against them.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/XXXX I called citi bank in regards of me not being able to access my account, I was told my account had been compromised. They requested I open a new account ( via phone ) and the would be able to transfer my funds in between accounts ( I have 6 hours worth of recordings ) they said it would take 10 business days and I would receive everything via mail for verification, I submitted all documentation for them and took the proper precautions to receive my money today is XX/XX/XXXX I still have not received ANYTHING! I requested to just close the account theyre refusing to send me my money.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXXXX/XX/XXXX I used my xoom account that is associated with my email XXXX and I started a transaction ID : XXXX sending the amount of XXXXXX/XX/XXXX to a bank in XXXX named XXXXXX/XX/XXXXXXXX XXXX XXXX I selecc the option direct deposit to a bank account which charges a commission of XXXX XX/XX/XXXX so that it can be deposited the same day within a period of no more thanXX/XX/XXXXas specified on its website, the total amount that was debited from my debit card immediately was XXXXXX/XX/XXXX On the same day XX/XX/XXXX I received a text message at XXXX pm indicating that the transaction was on its way to XXXX ( XXXX de XXXX XXXX XXXX ) and that it would arrive on XX/XX/XXXX at XXXXXX/XX/XXXX, I immediately called and they told me that that same day in the morning XXXX had made an update to his system and because of that it took a little while but that the deposit would still be made, so I waited until the next day the XXXX they didn't deposit anything and I called again and they told me it was in process, ok I waited in the afternoon I called again and they told me that XXXX couldn't find my transaction and that they going to cancel it and they would return the money to my debit card, ok I waited again until the next day the XXXX and I called again because they didn't return anything to my debit card and this time who attended me told me that the money was ready to deposit because as the initial message said it was going to be deposited on the XXXX at XXXXXX/XX/XXXX so please I should wait, I waited all afternoon and nothing I called again and they told me the same thing that they had already escalated my case and I waited for the update, today the XXXX I called in the morning and they told me that I had to wait for it to be solved, in the afternoon at XXXX XX/XX/XXXX I called again They gave me the same information, but this time I asked to speak to the manager a man named XXXX, who told me I should keep waiting because the case had already been escalated to another department and that they couldn't do anything. They could respond within XXXXXX/XX/XXXX. It's important to note that they immediately withdrew the {$770.00}XX/XX/XXXXfrom my account at XXXXXX/XX/XXXX.ontheXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal dispute regarding a fraudulent account listed under my credit profile. I have never authorized or maintained this account, and its presence is misleading, inaccurate, and harmful.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app does not show what source funds are being pulled from when adding money to account. Cash app does not show which account withdrawals are being made from.

I have a wells fargo bank account and a debit card on file. When adding funds to cashapp or withdrawing money from cash app IT DOES NOT SHOW THE SOURCE THE FUNDS ARE BEING DEDUCTED FROM OR WITHDRAWING TO. Does not reflect if money is being deducted from bank, debit and same with withdrawals.

I have contacted cashapp over 12 times requesting information regarding the issue from management. Each reply I get is incompetent and off topic, as if they do not even read my complaints. I ask specifically regarding ADDING MONEY, WITHDRAWING SHOWS NO SOURCE OF WHERE ITS COMING OR GOING TO. CASH APP SUPPORT IS VERY INCOMPETENT, INSTEAD OF ADDRESSING MY SPECIFIC ISSUE I AM GETTING RESPONSES ON HOW TO ADD MONEY TO MY ACCOUNT WHEN THAT IS NOT MY ISSUE AT ALL.I SENT SEVERAL SCREENSHOTS SHOWING THERE IS NO SOURCE OR OPTION TO CHOOSE OR VIEW WHERE ADDING MONEY OR WITHDRAWING IS COMING DIRECTLY FROM.

Company response to consumer: Closed with explanation