vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX XXXX Date : XX/XX/year> Subject : Complaint Against TransUnion for Continuing to Report Invalid XXXX XXXX XXXX  Dear CFPB, I am writing to file a formal complaint against TransUnion for continuing to report a debt account from XXXX XXXX XXXX XXXX even though I won a court judgment in my favor, and for failing to provide a method of verification when I requested it under the Fair Credit Reporting Act ( FCRA ). 

Here are the facts of my situation : On XX/XX/year>, I appeared in Luzerne County Magisterial District Court for a lawsuit filed by XXXX XXXX XXXX regarding this alleged debt. 

The judge ruled in my favor and dismissed the case ( I have documentation to prove this ). 

Despite this legal outcome, TransUnion continues to report this account on my credit file and responded to my dispute by stating it was " verified as accurate. '' I specifically requested a method of verification ( as allowed under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), but TransUnion failed to provide it.

This ongoing reporting of an invalid and legally defeated debt is damaging my credit and violates FCRA 1681e ( b ), which requires consumer reporting agencies to report only accurate and verifiable information.

I am requesting that the CFPB take immediate action to investigate TransUnions conduct and ensure that this account is deleted from my credit report, and that TransUnion is held accountable for failing to comply with federal law.

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 2025-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a deposit of a local check for {$110.00} at the branch teller window into savings and the bank has it on hold for XXXX business days. I believe this is contrary to Regulation CC which states checks are held for XXXX business day absent certain special reasons which they list which does not affect my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had this account for approximately XXXX or XXXX  years and have had my social security direct deposit going into my checking account. The bank offers me early paycheck or access to my funds XXXX days early or on the XXXX of the month. If the first falls on a weekend, they always made my funds available the previous friday, never on a weekend. This month in XX/XX/year>, I did not receive my direct deposit on friday XX/XX/year>, the way it should have been, and I called the bank this morning on Saturday XX/XX/year> to let them know that I still dont have my direct deposit. A woman from customer service was extremely rude to me so I asked for a supervisor. I told him what the problem was and he said they dont have any information yet on my direct deposit and they it maybe will be there on Sunday the XXXX. I told him that that is very strange since this has never happened before and that I was supposed to get my check on Friday XX/XX/XXXX. I told him this all sounds very strange and I feel the bank is retaliating because I filed a complaint about them before which I am not even satisfied with their response. Is it possible to reopen that complaint? They have ruined my credit by not assisting me with the credit card I closed and all they want is to issue late fees to me which is illegal. Now I feel they are retaliating and not making my direct deposit available on a XXXX when it falls on a weekend out of retaliation. I need you to please investigate what is happening with this bank but I believe they are doing illegal things. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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 a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} INQUIRIES : XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I went on XXXX  to dispute certain items off of my credit report. When I go in and check the results the item have a new creditor name and a new opening date! Also one of the items on my credit report has two different debt buyers names but the same amount. I have noticed some of the old accounts are being reposted with more current dates as if the account was recently added or opened. I have asked for proof of debt validation and still havent received it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: LEXISNEXIS
State: MO

Complaint narrative:
I disputed the reporting of my personal and account information with LexisNexis and requested suppression under FCRA 602 and 604 ( a ) because I do not consent to the continued reporting of any information. I did not authorize any data to be collected, maintained, or shared by LexisNexis. Despite my formal dispute, LexisNexis continues to report my personal details and financial activity to third parties without a permissible purpose.Furthermore, given LexisNexis was recently involved in a significant data breach, I am deeply concerned about the exposure of my personal data to unauthorized third parties.

This violates my rights under : FCRA 602 Privacy and fairness in credit reporting FCRA 604 ( a ) Permissible purpose requirements FCRA 607 ( b ) Failure to maintain proper procedures FCRA 611 ( a ) Duty to investigate and remove unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, two transactions were sent concurrently to my wife by a third party minor, in the amounts of {$1800.00} & {$23.00}. My wife immediatelyrefused and refunded the transactions. To date, I have not received these funds as returned despite numerous calls in CashApp and my bank. My bank shows no trace of the funds reaching their accounts. Cash App has refused any further assistance, including a confirmation of whether or not the funds are recorded as receive by my bank in their

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
XXXX XXXX  has decided to start charging junk fees with little notice. I called them and even their own people have no clue what the junk fees are for. I finally was able to get a representative who let me know that XXXX XXXX believes it can unilaterally and retroactively changes its fees and contracts with NO notice. I have a XXXX XXXX credit card and they are now charging fees and interest equal to about XXXX XXXX ( Yes, about XXXX XXXX percent annually ). The reason given for the rapid increase is solely that they want more money and nothing I did. They also have done away with the grace period for people who pay their account in full each month so that their exorbitant interest applies to their fees as soon as they charge them. They also threaten to RUIN the credit of anyone who will attempt to pay off and cancel their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
I am submitting this formal complaint regarding an account reported by XXXX XXXX XXXX that is inaccurate, unverifiable, and in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) of XXXX and Metro 2 data reporting standards. 

I do not recognize this debt. I have never been contacted by XXXX XXXX XXXX, have never received validation, and firmly believe this debt is not mine. 

This furnisher is violating my rights under 15 USC 1681b, as they have no permissible purpose to report information that is unfamiliar, unverifiable, and inconsistent. 

Account XXXX : XXXX XXXX : XXXX XXXX XXXX. 

Account Number : XXXX Balance Reported : {$2500.00} Reported To : Experian and Equifax Date Opened : XX/XX/XXXX Not Reported To : TransUnion Summary of Violations : XXXX. No Permissible Purpose 15 USC 1681b This account is unfamiliar and unvalidated. No contract exists between me and this company. Reporting an unfamiliar account without my authorization is a clear violation of FCRA. 

XXXX. Failure to Investigate and Maintain Accuracy 15 USC 1681i & 1681 The account balance is {$2500.00}, but the high balance and past due are both listed as {$0.00}, which is illogical and violates data accuracy standards. 

No furnisher contact information is listed on either bureaus report, which prevents me from directly resolving or verifying the debt. This violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion or correction when inaccurate data can not be verified. 

XXXX. No Metro 2 Compliance The account appears only on Experian and Equifax, with inconsistent fields and formatting. This directly contradicts Metro 2 standards requiring uniform and consistent data across credit bureaus. 

Remarks field is blank, no disputed, in collections, or resolved status is shown. 

No last reported date appears on Equifax. 

No furnisher name/address/contact included violating Metro 2 and FCRA requirements for traceable, verifiable data.

4. Violation of 15 USC 1681i ( a ) ( 5 ) ( A ) This law states that if an item is found to be inaccurate, incomplete, or can not be verified, the CRA must promptly delete it from the file. This account meets all three disqualifying conditions. 

I trust the CFPB will take appropriate regulatory action to uphold the protections of the Fair Credit Reporting Act of 1970 and hold all data furnishers accountable for damaging the financial profiles of U.S. citizens through illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
I am submitting this formal complaint regarding an account reported by XXXX XXXX XXXX that is inaccurate, unverifiable, and in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) of XXXX and Metro 2 data reporting standards. 

I do not recognize this debt. I have never been contacted by XXXX XXXX XXXX, have never received validation, and firmly believe this debt is not mine. 

This furnisher is violating my rights under 15 USC 1681b, as they have no permissible purpose to report information that is unfamiliar, unverifiable, and inconsistent. 

Account XXXX : XXXX XXXX : XXXX XXXX XXXX. 

Account Number : XXXX Balance Reported : {$2500.00} Reported To : Experian and Equifax Date Opened : XX/XX/XXXX Not Reported To : TransUnion Summary of Violations : XXXX. No Permissible Purpose 15 USC 1681b This account is unfamiliar and unvalidated. No contract exists between me and this company. Reporting an unfamiliar account without my authorization is a clear violation of FCRA. 

XXXX. Failure to Investigate and Maintain Accuracy 15 USC 1681i & 1681 The account balance is {$2500.00}, but the high balance and past due are both listed as {$0.00}, which is illogical and violates data accuracy standards. 

No furnisher contact information is listed on either bureaus report, which prevents me from directly resolving or verifying the debt. This violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion or correction when inaccurate data can not be verified. 

XXXX. No Metro 2 Compliance The account appears only on Experian and Equifax, with inconsistent fields and formatting. This directly contradicts Metro 2 standards requiring uniform and consistent data across credit bureaus. 

Remarks field is blank, no disputed, in collections, or resolved status is shown. 

No last reported date appears on Equifax. 

No furnisher name/address/contact included violating Metro 2 and FCRA requirements for traceable, verifiable data.

4. Violation of 15 USC 1681i ( a ) ( 5 ) ( A ) This law states that if an item is found to be inaccurate, incomplete, or can not be verified, the CRA must promptly delete it from the file. This account meets all three disqualifying conditions. 

I trust the CFPB will take appropriate regulatory action to uphold the protections of the Fair Credit Reporting Act of 1970 and hold all data furnishers accountable for damaging the financial profiles of U.S. citizens through illegal reporting practices.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Experian and/or Equifax. 
I settled the account in question for less than the full balance on XX/XX/XXXX - XX/XX/XXXX and have provided proof of the settlement agreement and payment confirmation. Despite this, Experian and Equifax continues to report a balance and shows the account as unpaid or charged off, which is false and misleading. 

This violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain accurate and complete information in consumer credit files.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Furnishers failure to correct or update inaccurate information after being notified of a dispute. 

I have disputed this directly with Experian and Equifax, and I provided documentation, yet the inaccurate balance remains. I am requesting that the CFPB require Experian and Equifax and the furnisher to : 1. Conduct a proper reinvestigation.

2. Update the account to reflect the settled status and correct balance ( ideally {$0.00} or the agreed-upon settlement amount ). 
3. Delete the account if accurate reporting can not be verified. 

This inaccurate reporting is negatively affecting my creditworthiness and causing financial harm. I respectfully request the CFPBs assistance in resolving 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