vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
My usual payment patterns are not reflected in this inaccurate record of late payments. I request that it be removed in order to ensure that my account is showing accurate information, since I have always made my payments on time.

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 2025-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Tilt Finance, Inc.
State: GA

Complaint narrative:
I was sent an an email stating that a check was sent to me in the mail and please allow XXXX to XXXX business days. The check has not arrived as of today my original XXXX checking account ending in XXXX was compromised and had fraud on it so I was given a new XXXX account ending in XXXX Empower cash advance and credit mobile app did not merge my account. I have given them all the requested documentation. Since the account number has changed, my address has changed. I recently purchased the home on XX/XX/XXXX and my drivers license has a XXXX  XXXX XXXX address I have given them copies of the bank statement where the money had been taken out of my XXXX account. I have given them proof that the same Social Security number is linked to the new XXXX account, I have given them copies of my electric bill, my Internet bill, a copy of the receipt where I pay my mortgage Ive given them copies of XXXX  documents, where they guarantee my loan Ive given them copies of my proof of income from the XXXX I have over XXXX emails with them since XX/XX/year>. I have many recorded over the phone conversations with them. I only get an automatic email response stating that theyll contact me within a day or so. The escalation team has only reached out to me XXXX or XXXX times and they never contact me back. I am just trying to get my {$500.00} from their auto save program which they have automatically drafted from my XXXX checking account that ended in XXXX account which is now the XXXX account. The auto save account funds is held in XXXX Bank.for Empower Cash Advance and XXXX XXXX XXXX or XXXX XXXX to resolve this issue I just want my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of mobile banking fraud through XXXX and XXXX on XX/XX/XXXX. I was scammed out of {$2400.00} when someone hacked into my account via XXXX and had all my personal information including my banking information because my bills are on auto pay to earn mobile bill discounts. On XX/XX/XXXX, I provided Citibank 's fraud department information regarding the scam including a police report number, the police officer that took the report and the precinct where it was filed. I received a denial letter from Citibank on XX/XX/XXXX indicating that XXXX did not have the same fraud protection as transactions as the bank and my claim was denied. When I called Citibank back, I was informed that a police report was never obtained by Citibank 's fraud department. They had not even investigated the claim. I was quite upset to learn that they did not take my claim seriously when I mentioned that an investigation was underway and a case of grand larceny was in the process of being investigated by the XXXX. Citibank also informed me that they didn't need me to submit supporting evidence. Furthermore, the only means to submit information to them is via fax. All evidence was submitted to the precinct which Citibank could have obtained but did not bother doing. It is now XX/XX/XXXX and I have not heard anything back. They indicated it could take up to 45 days, but they denied my claim within 6 days upon my initial filing of the scam without investigating it. The perpetrator from XXXX XXXX  me on phone and looked at my account which I informed Citibank of. They did not provide me with any remediation efforts at all. After discussing with the branch to escalate the issue, I was denied again because they said I initiated the transactions despite me explaining the situation and the lack of resolution by the offshore fraud department. Again, no one has obtained the police report to reflect the fraud which I find unbelievable. They are blaming me for initiating a transaction that is rooted in fraud. There was nothing provided in writing from the branch, only verbal denial so I have no paperwork to attach to this complaint.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2025, I discovered my wallet had been stolen. A fraudulent in-person transaction for {$520.00} occurred at XXXX, which does not accept XXXX XXXX XXXX My Cash App card was in my stolen wallet, and while I could still use XXXX XXXX ( which uses a digital token ), I could not have made this transaction because XXXX does not accept XXXX XXXX. 

Ive disputed this transaction over XXXX times within the Cash App app and have not received proper assistance or resolution. They continue to deny my dispute despite clear evidence that I could not have made the transaction. 

I have attempted to contact their support team via the app and through their website. No live support is available, and I have not been given a way to speak to a human or escalate my case. This is a fraudulent charge, and Cash App has failed to protect me or reimburse me as required. 

I am requesting that Cash App investigate this matter thoroughly and return my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I reviewed the report from XXXX and noticed a rental collection from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report which I can provide to support this. I disputed these fraudulent collections with the company XXXX. Please see the attached documents. I request to remove these collections from my 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 2025-05-22 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-22 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: GA

Complaint narrative:
Considering I had no involvement in opening these fraudulent accounts and was ignorant of their existence, I ask that they be deleted from my credit report. I request that they be deleted within 15 days in accordance with USC 1681g. Attached are supporting materials.

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 2025-05-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
These companies are not thoroughly conducting investigations inregards to my credit and my information. It has taken 3 years to finally remove inaccuracy of spelling, addresses, employers and etc.

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 2025-05-22 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: WA

Complaint narrative:
These companies are not thoroughly conducting investigations inregards to my credit and my information. It has taken 3 years to finally remove inaccuracy of spelling, addresses, employers and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries AN XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Approve Holdings, Inc

Complaint narrative:
XXXX XX/XX/year> I receive an email thanking me for having approached XXXX Approve and advising me that they could not facilitate me. 
I contacted them seeking clarification given that I live in XXXX and had never made any contact with them. 
Intially they appeared to want to resolve the matter however they then went silent. 

On XXXX XX/XX/year> I emailed XXXX Approve seeking a copy of the information they have relating to me and seeking clarification of where they received this information. 

I received a response that did not address the request I had made. I responded to their email again setting out my request however I have not receive any response from the company. 

I am attaching a copy of all email correspondence and will appreciate your support in having this matter investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
Following the FCRA rule, which was enacted in XX/XX/year>, the CFPB finalized a rule that would remove medical debt from credit reports and prohibit lenders from making credit decisions based on medical debt. This rule went beyond industries ' voluntary efforts to exclude only certain kinds of medical debt and was set to take effect in XX/XX/year>. 
I need to remove several medical reporting departments from the credit bureaus. Which includes. : * Arrgon agency, Inc. XXXX XXXX XXXX for {$1100.00}. 
* Arrgon agency, Inc. XXXX XXXX XXXX XXXX, XXXX for {$1300.00}. 
* XXXX, XXXX - XXXX XXXX, for {$2000.00}. 

I need these to be taken off my credit report. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My mortgage company is charging me for XXXX parcels on property taxes. They are saying they will refund me the money ones they have the correct information from the city. But until they have it, they are charging me for XXXX parcels. Increasing my mortgage payment from {$6300.00} to {$7700.00}. My mortgage company is United wholesale mortgage. Loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: OR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
According to Bank of America a cashier check was supposedly sent out a long time ago. I told Bank of America I never received the funds and that the funds were stolen. They said they would help me recover my funds but nothing has been happening. Afraid I won't be able to get my money from Bank of America I've been waiting for patiently.

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 2025-05-22 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:
am filing a formal dispute involving three credit bureaus ( Experian, Equifax, and TransUnion ) that are inaccurately reporting collection accounts, hard inquiries, and addresses that do not belong to me. 
COLLECTION ACCOUNTS ( Must Be Deleted ) XXXX XXXX XXXX  {$5200.00} Last Reported : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX {$1100.00} Last Reported : XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Last Reported : XX/XX/XXXX These are either unrecognized or associated with a business I did not authorize. I was not a personal guarantor, and no contract or application exists. 
These accounts also violate Metro 2 compliance reporting requirements and lack proper XXXX codes, DOFD values, and accurate data under FCRA 623 and 607 ( b ). 
UNAUTHORIZED HARD INQUIRIES ( Experian ) XXXX XXXX XXXX XXXX, XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX I never applied for credit with these companies. These inquiries are a direct violation of FCRA 604 ( a ) ( 3 ) and were not authorized by me. 
INACCURATE ADDRESSES ( Experian ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  IL I never lived at these addresses. They were added to my credit report in error and must be removed immediately. 
I have attached all supporting letters, legal dispute references, and verification files for this complaint. 
I am demanding the immediate deletion of all collections, inquiries, and false address entries across all three bureaus. Thank you.

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 2025-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on XXXX. Since then the account has been updated as charged off every month. This is an update in payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. They have failed to investigate properly and their neglect has violated my rights. I demand the deletion of the account. 

Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-22 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:
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 violation 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 2025-05-22 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:
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 violation 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 2025-05-22 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: NV

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain.

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