vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-04 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, demand the deletion and removal of the listed accounts on my credit report : XXXX XXXX, Open date : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX, Inquiry XXXX, .XXXX, Inquiry XXXX, .XXXX, Inquiry date : XXXX XXXX XXXX XXXX, Inquiry XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Inquiry XXXX .XXXX  XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry XXXXXXXX XXXX XXXX, Inquiry XXXX, .XXXX, Inquiry XXXX, XXXX XXXX  XXXX Inquiry XXXX, XXXX, Inquiry 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or recognize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their deletion within the next 15 days. The attached documents provide relevant details for your review. Furthermore, discrepancies exist in how the accounts are reported to each credit bureau

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 2025-04-04 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According

to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no
person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-04-04 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: KS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is a formal response regarding your insufficient reply to my dispute. The document you providedmerely a typed summary of alleged chargesdoes not constitute proper validation of debt under the FDCPA ( 15 U.S.C. 1692g ). It does not include a contract with my signature, ID, or any documentation verifying that I incurred this alleged debt. 

Additionally, I have never lived at the referenced apartment unit, and I have submitted documentation supporting my XXXX data breach claim, which may have resulted in fraudulent activity using my personal information. 

Placing the account in a restrictive status does not absolve your responsibility to delete unverified, inaccurate, and potentially fraudulent information from my credit reports. Listing this account as disputed does not cure the violations, especially when : The balance reported does not match across credit bureaus, violating FCRA 1681s-2. 

The date last active has been altered, which constitutes unlawful re-aging under FCRA 1681c. 

No written notice was initially sent to me, violating FDCPA 1692g ( a ). 

I am not requesting updates. I am demanding the immediate deletion of this unverifiable account from all credit bureaus due to your failure to provide sufficient evidence and continued violation of federal law. 

If this account is not removed within 3 days, I will move forward with legal action and seek statutory damages under the FDCPA and FCRA. A true bill is attached for your reference, and payment for damages should be remitted to the address listed.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XXXX bal {$1100.00}

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 2025-04-04 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: FL

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your review. Additionally, inconsistent account details are being reported across different bureaus.

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 2025-04-04 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-04 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: AZ

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I received a text from XXXX asking if i had just made a purchase at XXXX for XXXX  amount on my XXXX card. I no longer use them but i never closed out my account. I replied, NO. About 30 minutes later, after i got home i received a call from a man who said his name was XXXX XXXX and that he was with the fraud division of XXXX and Cashapp. He asked if i had made a purchase with my XXXX card at XXXX for XXXX and i told him No. He then asked me about purchases made on my Cashapp card and also said something about they were looking into my account because they thought there might be some issues with identity theft. Back in XXXX of XXXX i received a letter from the IRS saying that someone may have stolen my identity and filed taxes with my SSN. The mention of this only gave more credibility to the caller. He asked me some questions which he already knew the answers to, my Cashapp account number, my cashtag, and my pin number which i did not give out. He even knew the balance in my bitcoin and my account. He told me he had to do something and he was going to disconnect the call but he would call me right back. Then I got another text alert, from Cashapp this time saying that my ATM withdrawal for {$480.00} was declined because my Cashapp card was locked. I breathed a big sigh of relief because I was at home and nowhere near an ATM. Less than 60 seconds later i got another alert from Cashapp saying I withdrew {$480.00} from an ATM at XXXX. I knew right then that i had been scammed. During the time i was talking with XXXX XXXX i also received a couple of emails from Cashapp, one at XXXX XXXX and the other at XXXXXXXX XXXX. They were bith telling me that i had new device logins on my account. The first one was near Nebraska and the other was near Florida. I have only one device to my name. I later filed a complaint with the XXXX, the FTC and I thought i had filed one with the CFPB but am now finding out otherwise. I was extremely upset that night, i have a mental illness, I also have XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX also XXXX XXXX XXXX and XXXX, living on XXXX which is very little. What they stole from me was more than half of my check. All of this happened on XX/XX/year>. When i filed my dispute with Cashapp i didnt have any documents to support my claim but they sure came up with one of their own. It was their own letterhead with a printout of the transaction on it and that is what they based their denial of my dispute on. I did file a dispute with Cashapp that same evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc
State: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I have wrote financial assistance Inc. multiple dispute letters sent to them via certified mail. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The following accounts on my credit report have multiple inaccurate and inconsistent information being reported : XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Original creditor : XXXX XXXXXXXX XXXXXXXX XXXX Debt buyer who is contacting me, LVNV Funding LLC Account # : XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Debt amount : {$590.00} According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communication. please remove this collection off of my credit report thank you.

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see validated proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of validated proof, you must remove the accounts listed below. 

Account # XXXX I demand the following accounts to be validated or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding an unresolved issue involving a fraudulent transaction conducted via the Cash App platform. 

On XX/XX/XXXX, I sent a payment of {$1400.00} through Cash App to an individual for the purchase of a vehicle. Unfortunately, after receiving the funds, this individual sold the car to someone else and failed to deliver the vehicle to me. I promptly reported the incident to Cash App and provided supporting documentation demonstrating that I had been the victim of a scam. 

Initially, Cash App denied my claim. However, after I filed a complaint with the Better Business Bureau ( BBB ), Cash App reversed its initial decision, acknowledged the transaction as fraudulent, and partially refunded mereturning only {$250.00} of the {$1400.00} XXXX lost. 

Despite acknowledging the transaction was a scam, Cash App has refused to refund the remaining {$1100.00}. They have not provided any justification for why I am only entitled to a partial refund, nor have they explained the reasoning behind this discrepancy. 

By allowing the scammer to retain a portion of the stolen funds, Cash App is effectively enabling and incentivizing fraudulent activity on its platform. This lack of transparency and accountability is deeply troubling, and I believe it reflects a serious failure in their consumer protection practices. 

I am requesting investigation this matter and take appropriate action to ensure that Cash App fully refunds the remaining balance of {$1100.00} and implements more robust safeguards to protect users from fraud. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation