vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
So I have wrote Equifax two certified letters. The first one was XX/XX/XXXXXXXX XXXX  and the second one was XX/XX/year> along with these letters I sent a picture of my state ID a picture of a bill with my name on it and a picture of my Social Security card along with the accounting question. 
I received a letter from Equifax XX/XX/year>. That is three months after my first letter was sent out certified mail instead of them, writing me to let me know that they found a solution to my problems. They wrote me saying that they could not go further into the investigation of my accounts without me sending the same documents I had sent in each of my certified dispute letters, which is a picture of my state ID a picture of my Social Security card and a picture with the piece of mail or a bill verify my address. 
They have violated and continue to violate FCRA provisions and they did not do a thorough investigation under 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
My cash app was closed due to them saying I failed the guidelines and I never felt any other guidelines and they took money from me youre lying. I cant see with a blanket you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I called XXXX XXXX because I was getting emails about missed payments. I had requested paper statements last year because I was not getting the emails, was probably going to spam and being charged {$42.00} each month. I did not realize this until I called today and they said this has been going on since last XXXX and being charged this late fee, on top of high interest rate. I asked if they send a courtesy letter that out these charges and they say they dont because consumers get mad at them. I dont know of anyone that would be mad to let them know about the fees. I They are happy to stay quiet and collect all your money without your knowledge since you cant see the statements with all the charges. This should be unconscionable but greed only has XXXX XXXX. Credit card companies should not be allowed to XXXX consumers like this, this is outrageous!

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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 2025-04-22 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: NC

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 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 2025-04-22 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: NC

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 2025-04-22 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency verres a consumer reoo, " shall follow reasonable, procedures to ensure the maximun possible of accuracy of the information concerning the individual about whom the report relates 15 U.s. Code 16811 ( 5 ) Treatment of inaccurate or unventiabie information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT CREDIT REPORTS I HAVE RECEIVED 1099-C FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA INCOME CAN NOT BE REPORTED ON CONSUMER CREDIT REPORT AFTER CHECKING MY MOST UPDATED CREDIT REPORT IM STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS FOLLOWS Navy Federal Credit Union is claiming and reporting this balance to a third party even though it has been cancelled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Took out a loan from XXXX XXXX in XX/XX/XXXX for {$11000.00}. Made all the payments except for the last XXXX or XXXX. The loan was backed by XXXX which was my oversight. My wife and I hit a hard patch financially. 

Received a text message from XXXX regarding the collection in the amount of {$12000.00} in XXXX of XXXX. Contacted them and told them that this was not my loan and that I was disputing it. The customer service representative informed me that I received a court summons dated XX/XX/XXXX in which I did not. She also kept on insisting to threaten me that they had a judgement. I have since obtained copies from the courthouse and going through what I had kept. 

In this paperwork from the courthouse, the TILA shows amount financed as {$17000.00}. In the court summons dated XX/XX/XXXX, the amount is {$11000.00}. 

On XX/XX/XXXX, received a collection letter from Resurgent Capital Services in the amount of {$13000.00}. 

On XX/XX/XXXX, received a collection letter again from Resurgent Capital Services in the amount of {$13000.00} I have contacted XXXX a second time this month and since then, I have received another collection letter from Resurgent in the amount of {$12000.00} along with a copy of a judgement. 

XXXX XXXX along with XXXX is not acting in good faith and sued for a fraudulent amount under the guise of LVNV Funding LLC and Resurgent. According to my credit reports, XXXX XXXX shows a charge off of approximately {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
Dear CFPB, I am writing to formally report an incident of identity theft that has led to unauthorized accounts/ Inquiries and/or information being reported on my credit file. I recently reviewed my credit report and noticed. 
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 These entries are fraudulent, as I have not authorized or initiated any such accounts, transactions, or credit inquiries. I believe that my personal information has been used without my knowledge or consent. 

To support this claim, I have enclosed the following documentation : A copy of my government-issued ID A copy of my recent credit report with the unauthorized items highlighted/ A completed FTC Identity Theft Report or police report XXXX Any relevant correspondence or documentation from the affected creditor ( XXXX ) I request that you investigate this matter and take the appropriate action to have the unauthorized entries removed from my credit record. Additionally, I ask that you ensure no further reporting is made by these fraudulent accounts. 

Please confirm receipt of this letter and notify me of any further information you may need to proceed with this investigation. I appreciate your attention to this matter and look forward to resolving it as soon as possible. 

Sincerely, 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 2025-04-22 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: IN

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 explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing specific inaccurate, unverifiable, and potentially outdated information currently being reported on my credit file. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information listed on my credit report is 100 % accurate, verifiable, and complete. Upon reviewing my credit report, I have identified several questionable items that do not meet the required standard of accuracy or verification. Your agency is obligated, under 15 U.S. Code 1681e ( b ), to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Furthermore, under 15 U.S. Code 1681i ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it must be promptly deleted or corrected, and the furnisher must be notified of the modification or removal. As per recent updates in XXXX regarding consumer rights under the FCRA, credit reporting agencies are expected to : Provide clear and accessible evidence of verification upon consumer request. Ensure third-party data furnishers comply with accuracy and timeliness regulations. Adhere to stricter timelines for dispute resolution to prevent prolonged negative impacts on consumers. Given these legal requirements, I am requesting the immediate reinvestigation and correction of the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you are unable to provide me with documented, verifiable proof that the disputed information is 100 % accurate, within 15 days of this request, you are required by law to delete or correct the erroneous data. Failure to comply with these legal obligations may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action for noncompliance with federal regulations. I appreciate your prompt attention to this matter and expect to receive written confirmation of the corrections made. Please provide all relevant details of your investigation and any documentation used to verify the disputed information. Sincerely, 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 2025-04-22 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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 2025-04-22 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX XXXX a resident of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing to formally raise a concern regarding a situation involving my former employer, Berkshire Bank, where I believe there may be a breach of proper security protocols and regulatory compliance standards. 

I was previously employed by Berkshire Bank and have since been formally terminated from my role as of XX/XX/year>. Despite my termination, I have been repeatedly contacted and asked to access or test features within the institutions online banking environment, specifically within their XXXX XXXX XXXX ( XXXX ) for security-related functionality. 

I believe this situation raises serious concerns, including but not limited to : Potential violation of internal and industry-standard information security practices Continued unauthorized access to sensitive systems post-termination Risk exposure to customer data or system integrity Lack of proper access revocation and system controls upon employee offboarding I respectfully request that the CFPB look into this matter to determine whether this institution is complying with appropriate consumer protection and cybersecurity standards. 

I am happy to provide any further details, documentation, or communication records related to this issue if needed. 

Thank you for your time and attention.

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 2025-04-22 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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