vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: DE

Complaint narrative:
I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation.

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life. 

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution. 
Account Number : XXXX Balance Reported : {$620.00} High Credit : {$620.00} Status : In Collections This account is listed as a debt collection, but TransUnion did not provide any proof of its legitimacy. Since XXXX is a debt buyer, NOT the original creditor, they are required to provide : Proof of the original agreement showing I legally owe this debt. 
A chain of title proving XXXX XXXX legally owns the debt. 
A full transaction history showing how the balance was calculated. 

TransUnion failed to provide this documentation but still reported the account as verified. This is a violation of FCRA Section 609, which requires proper validation.

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 2025-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Auto Loan account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX, under the account number ( XXXX ), an auto loan account opened at XXXX XXXX account on XX/XX/XXXX under the account number ( XXXX ) credit reporting XXXX XXXX opening date XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports 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 2025-03-06 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: GA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Auto Loan account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX, under the account number ( XXXX ), an auto loan account opened at XXXX XXXX account on XX/XX/XXXX under the account number ( XXXX ) credit reporting XXXX XXXX opening date XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-07 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:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
I downloaded the app and when I got to where I had to put my social security number my credit card number and when I got to pay it wouldn't let me pay so I feel like it's a scam they just wanted my all of my information then I went to the comments and complaints with that's what I should have did at first but everybody says that it's a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am an XXXX woman, and I am writing to you out of sheer frustration and desperation. On Monday night, I received an email stating that my Chime account had been closed, this happened a few days after my monthly retirement pension payment ( {$6200.00} ) was deposited, thankfully I had managed to send some of it ( {$2500.00} ) to my Granddaughter using the Pay Anyone feature on Chime. 

The next morning, I immediately called Chime to ask what had happened and to request that my remaining funds be returned. But instead of helping me, they coldly told me that I had violated their policy and that I would not be getting my money back. No explanation, no consideration, just a flat refusal. 

I have depended on my pension for survival, and now, without warning, Chime has taken away the money I need to live on. I am heartbroken, scared, and dont know where else to turn. How can a bank do this to someone who has worked their whole life and relies on their retirement to get by? 

Please, I beg of you, help me get my money back. This is not just some inconvenience ; this is my livelihood. No one should have to go through this, especially at my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was exposed in the data breach the recently occurred and I want to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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'VE BEEN A VICTIM OF IDENTITY THEFT, THERES SOME ACCOUNTS HAS BEEN OPENED WITHOUT MY CONCENT AND THEY ARE AFFECTING MY REPORT SO BAD. 
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

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 2025-03-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MA

Complaint narrative:
I got Access to my credit report and saw fraudulent accounts and inquiry 's reporting on my credit report Please help me resolve this issue this is destroying me financially in my life please help me request written permission with consent and signature of the full disclosure of these account being open from the creditors and credit bureaus. this is a violation of FCRA LAW CODE : 15 USC 1681B Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates. 
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME RESOLVE THIS ISSUE AND REMOVEDELETE THESE ITEMS : Collection XXXX OPen XXXX Balance : {$1300.00} Collection XXXX Open XXXX Balance : {$800.00} XXXX XXXX Open Date : XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX  Balance : {$1900.00} THESE ARE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NC

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 2025-03-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have pulled my credit report, and found several credit cards open with my social security number at the age of XXXX XXXX XXXX XXXX XXXX I have not reached out to the credit bureaus working on that now and try and get a freeze on my credit report. I would like for all three credit bureaus have this information. 

XXXX XXXX opened XX/XX/XXXX {$930.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXXXXXX XXXX  opened XX/XX/XXXX {$2700.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX opened XX/XX/XXXX {$1900.00} XXXX XXXX opened XX/XX/XXXX {$1400.00} XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$630.00} XXXX. XXXX XXXX XXXX opened XX/XX/XXXX {$890.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-06 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: DE

Complaint narrative:
I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation.

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life.

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution. 
XXXX XXXX XXXX ( Auto Loan - Joint Account ) - ILLEGAL CHARGE-OFF Account Number : XXXX Balance Reported : {$22000.00} High Credit : {$23000.00} Status : Charged-Off TransUnion has wrongfully verified this charged-off auto loan without providing proof of balance calculations, ownership, or payment history. I have requested validation under FCRA Sections 609 and 623, including : The original signed contract proving I agreed to this loan.

A full breakdown of the balance history, fees, and payments. 
Proof that the lender has the legal right to report this debt. 
TransUnion has not provided any of this information yet still marked the account as verified. This is a clear violation of my rights under the FCRA.

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 2025-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to formally challenge your response regarding my dispute for a fraudulent chargeback of {$70.00}. My previous complaint ID is XXXX. 

Key Issues With Your Response : 1. My Complaint is NOT Related to the CFPB Consent Order.

* My complaint is regarding a specific fraudulent chargeback where a buyer acknowledged the transaction, received the product, then falsely claimed it was unauthorized.

* You have failed to review the evidence I submitted, which includes : * Screenshots of my conversation with the buyer acknowledging the purchase.

* Proof that they blocked me after I confronted them. 
* Transaction records. 
2. You Have Not Investigated My Claim.

* Your response does not address my specific case and instead refers to a broad settlement with the CFPB.

* If my case was truly part of this settlement, you should be able to confirm it explicitly and provide details on my eligibility for compensation.

3. Attempt to Prevent Escalation to Regulators.

* You stated that I " do not need to do anything, including filing a CFPB complaint. '' * This is unacceptable. If you are refusing to investigate my claim properly, I will escalate this matter to the OCC ( Office of the Comptroller of the Currency ) and the State Attorney Generals office.

Requested Actions : 1. Confirm whether my case is actually part of the CFPB settlement.

* If so, provide clear details on when I will receive compensation and under what terms.

* If not, acknowledge that my case was improperly handled and escalate my claim for further review.

2. Provide a Transparent Explanation for Your Decision. 
* Specifically explain why the buyers fraudulent behavior ( acknowledging receipt of the product and then blocking me ) was ignored in your review. 
* If my claim was denied, provide a detailed breakdown of the reasoning. 
3. If You Fail to Address My Concerns, I Will Escalate This Case.

* I am prepared to file additional complaints with the CFPB, OCC, and State Attorney Generals office if this matter is not resolved.

This is my final attempt to resolve this issue directly with Cash App. If my concerns are not properly addressed, I will pursue further action. 

Account Information : * Full Name : XXXX XXXX * Cash App Username ( XXXX XXXX XXXX XXXX XXXXXXXX * Phone Number Linked to XXXX * Email Address on Account : XXXX * Last 4 Digits of Linked Bank Account : XXXX * Date of Transaction in Question : XX/XX/year> * Transaction Amount : {$70.00}

Company response to consumer: Closed with explanation