vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. This is your final notice. You are in violation of federal law by continuing to report and verify account that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that this account has been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate.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 2025-04-21 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: OH

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX Bankruptcy US BKPT CT OH CLEVELAN Reference # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle we werent notified cash I was sending got lost in space XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
Company failed to inform me that loan deferment had come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I want to inform the Credit Bureau that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cash App needs to make an option to CANCEL A TRANSACTION!!! Or to at least put it on hold. I was scammed by a fraudulent mobile mechanic. I paid him {$320.00} and he did NOT come complete the job. He has blocked me from all forms of communication and will not respond to my request for a refund. Cash App NEVER helps with disputes, ever. I want my money back. I have proof that he never completed the job and then blocked me. Why should scammers be able to keep peoples hard earned money?!? I already contacted XXXX XXXX and my police department. They said it has to be reversed on Cash Apps end. I want my refund and then I will never be using CashApp again. Transaction XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX {$68000.00} they came and got the vehicle I tried to get vehicle back and they have yet to contact me back regarding the vehicle, then tried to order me to come to court without my knowledge. 
steady reporting late payments and adding stuff on credit. sold vehicle then reporting higher amounts on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
RE : FORMAL REQUEST FOR BLOCKING OF FRAUDULENT ACCOUNTS PURSUANT TO FCRA 1681b AND 1681c2 ( 605B ) Consumer Report Dispute due to Identity Theft and Unauthorized Accounts Opened Post Data Breach To Whom It May Concern : I represent myself in this matter and submit this correspondence as a formal dispute and statutory request for the immediate blocking and removal of fraudulent information from my consumer file pursuant to 15 U.S.C. 1681c2 ( FCRA 605B ). My personal information was compromised in a national data breach, which I have documented and reported, resulting in unauthorized accounts being opened in my name without my knowledge, consent, or legal authorization. 
As defined by law, these unauthorized accounts constitute identity theft, and as such, I demand that your agency immediately block and permanently remove all related entries. These unauthorized entries were established using my identifying information, in direct violation of 15 U.S.C. 1681b, which regulates permissible purposes for the access and use of consumer reports. 
Accounts Identified as Fraudulent and Subject to Blocking under FCRA 605B : 1. XXXX  XXXX XXXX Account XXXX : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$5900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$1600.00} XXXX. XXXX XXXX XXXX ( XXXX  ) Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NJ

Complaint narrative:
I hope this complaint finds you well. I am writing to follow up on the disputes I previously submitted regarding specific items on my credit report. 

To date, I have not received any updates or responses concerning the resolution of these disputes. While I understand that investigations may take time, I would appreciate any information on the current status and progress made thus far. 

Below is a list of the items I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX * * Balance : {$19000.00} XXXX XXXX * * * * Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX * * Balance : {$74.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-21 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Collection Account Monterey Collection SV Reported Account Number ( Partial ) : XXXX To Whom It May Concern, I am formally disputing a collection account reported on my credit file by Monterey Collection SV, associated with XXXX, reflecting a balance of {$730.00}, and showing a delinquency as of XX/XX/XXXX. This account is inaccurate, unverified, and unauthorized. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is legally required to conduct a reasonable and independent investigation into any disputed item. As held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), a consumer reporting agency may not merely rely on the furnishers representationit must actually investigate the accuracy of the information provided.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request validation of the debt, including a copy of the original signed agreement, the chain of assignment from XXXX to Monterey Collection SV, and a full itemized accounting of the amount allegedly owed. 



Please also be advised that I did not provide consent to XXXX to transfer, assign, or sell this alleged debt to a third-party collection agency. According to basic contract law and supported by the principle in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, XXXX ), the assignment of contractual rights does not inherently bind the obligor ( myself ) unless there was an agreement to such terms. Since I never agreed to any contractual relationship with Monterey Collection SV, I have no legal obligation to them.

As such, I assert that : I am not responsible for any debt claimed by Monterey Collection SV. 

This alleged account must be removed from my credit report if it can not be independently verified with original documentation and lawful assignment. 

Continued reporting of unverifiable, invalid debt may constitute willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to civil liability. 



Accordingly, I am requesting the following : A thorough reinvestigation of this item. 

Full documentation used in the verification process, including original creditor agreements and legal chain of assignment. 

Permanent deletion of the account if it can not be fully validated. 



Please consider this letter a formal dispute. I expect a response within the required 30-day period as established by law. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-21 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: IL

Complaint narrative:
I want to inform the Credit Bureau that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1000.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$310.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-21 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:
XXXX reported 90-day late status to credit bureaus for the month of XX/XX/year> for one of my accounts. However, I made a payment in XXXX, but the payment was not disbursed between my two accounts ( the same thing happened for XXXX, which resulted in me having to pay more ). I called and they redistributed the payment from XXXX, but the 90-day late payment is still reflected on my credit reports. I need this 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX reported 90-day late status to credit bureaus for the month of XX/XX/year> for one of my accounts. However, I made a payment in XXXX, but the payment was not disbursed between my two accounts ( the same thing happened for XXXX, which resulted in me having to pay more ). I called and they redistributed the payment from XXXX, but the 90-day late payment is still reflected on my credit reports. I need this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX reported 90-day late status to credit bureaus for the month of XX/XX/year> for one of my accounts. However, I made a payment in XXXX, but the payment was not disbursed between my two accounts ( the same thing happened for XXXX, which resulted in me having to pay more ). I called and they redistributed the payment from XXXX, but the 90-day late payment is still reflected on my credit reports. I need this 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the accuracy of the account status and comments for my XXXXXXXX XXXX XXXX account ( Account Number ending in XXXX ) on my Equifax credit report, dated XX/XX/XXXX. The account is currently reported as " CHARGE OFF '' with a comment stating " Account paid for less than full balance Charge off. '' This is inaccurate and should be updated to reflect a " PAID '' status with positive or neutral reporting, as the balance is now {$0.00}. 

Details Supporting My Dispute : 1. The balance history shows the account balance was {$13000.00} until XX/XX/XXXX, then decreased progressively, reaching {$0.00} in XX/XX/XXXX, with the last payment made in XX/XX/XXXX 2. The current balance is {$0.00}, and the amount past due is {$0.00}, indicating the account has been fully resolved. 
3. The " CHARGE OFF '' status and comment about paying less than the full balance are no longer applicable since the debt is cleared. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: NM

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
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 explanation
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries at all. 
XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX Inquiry date Removal date 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 explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief