vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I demand the immediate removal of these entries from my credit report. I did not authorize any CRA to use or advertise my personal data without my explicit permission. This unauthorized use of my data constitutes a serious breach of privacy and is tantamount to identity theft on their part. 
MY only name on my credit report should read : XXXX XXXX. I called each bureau in XX/XX/XXXX and reported this and it has not changed. 
My only address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the credit bureaus in XXXX XXXX, and it has not changed. 
XXXX XXXX, is reporting charged off XX/XX/XXXX XXXX XXXX ( I have not received a 1099c ) I reached out to them and a scammer trying to get money from me. 
XXXX XXXX XXXX XXXX  reported charged off XX/XX/XXXX ( I never received my 1099c ) but now reporting past due XXXX XXXX XXXX XXXX  XXXX reported charged off XX/XX/XXXX ( I never received my XXXX ) but now is reporting past due XXXX XXXX XXXXXXXX. Reported charged off XX/XX/XXXX now reporting open. Was removed from agencies. 
XXXX XXXX XXXX XXXX  We settled however they charged off the account prior to my payment. ( I never received my 1099c ). 
Police Report 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand the immediate removal of these entries from my credit report. I did not authorize any CRA to use or advertise my personal data without my explicit permission. This unauthorized use of my data constitutes a serious breach of privacy and is tantamount to identity theft on their part. 
MY only name on my credit report should read : XXXX XXXX. I called each bureau in XX/XX/XXXX and reported this and it has not changed. 
My only address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the credit bureaus in XXXX XXXX, and it has not changed. 
XXXX XXXX, is reporting charged off XX/XX/XXXX XXXX XXXX ( I have not received a 1099c ) I reached out to them and a scammer trying to get money from me. 
XXXX XXXX XXXX XXXX  reported charged off XX/XX/XXXX ( I never received my 1099c ) but now reporting past due XXXX XXXX XXXX XXXX  XXXX reported charged off XX/XX/XXXX ( I never received my XXXX ) but now is reporting past due XXXX XXXX XXXXXXXX. Reported charged off XX/XX/XXXX now reporting open. Was removed from agencies. 
XXXX XXXX XXXX XXXX  We settled however they charged off the account prior to my payment. ( I never received my 1099c ). 
Police Report XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-07 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:
Unfortunately, I'm a victim of the Equifax XXXX breach and I'm requesting that these unauthorized accounts be removed & blocked immediately- IC systems. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Dates- XX/XX/year>, XX/XX/year> XXXXXXXX XXXX  XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Chargeoff XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$7100.00} Inquiries in Dispute : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-04-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-07 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: NY

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Ive been disputing this account for over 120 days regarding inaccurate late payment reporting. I requested correction of the payment history to reflect Paid As Agreed PAANL based on Metro 2 compliance. The furnisher has failed to provide any legally required documentation under 15 U.S.C. 1666b ( Fair Credit Billing Act ) showing I was ever mailed notice of billing errors or delinquency within 30 days. They also failed to reinvestigate and respond to my dispute within the required 30-day window, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) under the FCRA. Despite being notified of reporting errors, they continued to furnish derogatory data in noncompliance with CDIA Metro 2 format. This is willful and negligent under 1681n and 1681o. I am requesting CFPB enforcement and correction of the account to reflect Metro 2-compliant status : Status : C Current / Pays As Agreed Profile : PAANL Paid As Agreed / No Lates Last Payment and Last Reported Dates updated accordingly

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
My account is showing delinquent for XX/XX/year> I have disputed this and reached out to the company to have this fixed I never received a billing statement and and there online website was down for multiple months they were in the process of updating website during that time I was not notified and I did not get a paper billing statement and I was unable to even access my account and was not receiving email notifications either so because the company did not inform me prior of the website being down and did not mail me a paper billing statement the account went past due they have not been helpful in correcting the delinquency so this is why Im filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate Account Name : XXXXXXXX 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 2025-04-07 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/XXXXXXXX XXXX I was locked out of XXXX. While XXXX the problem a phone number on XXXX came up under XXXX. If locked out and lost email and phone number you can call this number. They answered XXXX  They did not help me and then when I tried to get into my XXXX again I had to complete a license upload and biometrics. I believe they stole my biometrics. By the next day XXXX I had about {$760.00} missing from ( XXXX  ) accounts connected with cash app. I then reported it to the banks which they closed debits down and to cash app. The banks claim they can't help. But they never disclosed they would not back up a cash app transfer if fraud ( no disclosures ) and cash app would not help at all. I tried to talk to over a dozen people. They state that I did this. I did not do this. There was also money left in my cash app account and did not come back. ( $ XX/XX/XXXX ) This was done by a savvy person with my biometrics. My banks and cash app all have my biometrics because I own an XXXX  phone. No one has helped me and I believe this should be backed by FDIC. This was identity theft plus fraud. The sheriff investigating this stated this is not your fault they trigger older people who trust more. Also, its not just against cash app but all three banks. They never gave me a disclosure when I attached my debit card to cash app that they would NOT COVER FRAUD. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
on XX/XX/XXXX XXXX dollars was withdrawal from my bank account to a unknown XXXX XXXX balance ( described as " XXXX XXXX BALANCE XXXX XXXX XXXX XXXX '' ) This occurred a total of XXXX times totaling XXXX dollars, throughout the dates of XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After discovering that this was occurring, I immediately went to the bank ( TD BANK ) to dispute these charges, they tried to pin it XXXX XXXX saying its an XXXX issue or a subscription that I have subscribed to. But the withdrawal clearly says its a XXXX cash balance meaning a XXXX wallet. Meanwhile my apple wallet account currently can not receive or send cash ( see image attached ). Next time I went to TD bank to provide evidence, a different employee told me how these transactions were clearly fraudulent. 
After I disputed it they declined it saying " Transactions appeared to be authorized because successful online banking logins and attempts during disputes timeframe. '' They did not provide me with any documentation regarding when I logged in or told me what XXXXXXXX XXXX this money has went into, even when I called and asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Ive been dealing with the fallout from these report errors for far too long. I've had credit cards declined, watched my score tank for reasons that make no sense, and spent countless hours trying to dispute entries that shouldn't even exist. It's humiliating and stressful, especially when these issues are beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
To Whom It May Concern, On XXXX XXXX XXXX I received an email from XXXX XXXX, a legal assistant for XXXX XXXXXXXX XXXX  XXXX. The email stated that I, XXXX XXXX, was listed as a receivable account in connection with a defaulted loan involving a company called XXXX XXXX XXXX. The email included an attachment containing contract and transaction details, specifically showing a XXXX transaction of {$600.00} under my name. 
I want to make it clear that I have no affiliation with XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, or any of the entities mentioned in the email. I have never conducted business with these companies nor authorized my information to be used in any financial transactions related to them. This situation is evidence that I am a victim of identity theft, as my personal information has been used without my knowledge or consent. 
In response to this fraudulent activity, I have filed a police report with the XXXX XXXX XXXX XXXX ( Case Number : XXXX ). Additionally, I am aware that my personal data has been exposed in multiple data breaches involving credit reporting agencies. After reviewing my credit reports, I have identified inconsistencies across the three major credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681c-2 ), I am formally requesting a fraud alert and the blocking of any fraudulent accounts or transactions associated with my identity. The FCRA mandates that credit reporting agencies must remove fraudulent information from a victims credit file upon receipt of proof of identity theft. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692c ), debt collectors are prohibited from contacting consumers regarding debts that do not belong to them. This continued harassment and misuse of my information are violations of my consumer rights. 
Due to this fraudulent activity, I have been unable to secure assets and make financial progress. My privacy has been violated, and my credit profile is being used unlawfully. If this matter is not resolved promptly, I will be forced to pursue legal action to protect my rights. 
I expect immediate action to correct my credit profile by removing any fraudulent activity associated with my identity. Please confirm receipt of this letter and provide a timeline for resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
To Whom It May Concern, On XXXX XXXX XXXX I received an email from XXXX XXXX, a legal assistant for XXXX XXXXXXXX XXXX  XXXX. The email stated that I, XXXX XXXX, was listed as a receivable account in connection with a defaulted loan involving a company called XXXX XXXX XXXX. The email included an attachment containing contract and transaction details, specifically showing a XXXX transaction of {$600.00} under my name. 
I want to make it clear that I have no affiliation with XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, or any of the entities mentioned in the email. I have never conducted business with these companies nor authorized my information to be used in any financial transactions related to them. This situation is evidence that I am a victim of identity theft, as my personal information has been used without my knowledge or consent. 
In response to this fraudulent activity, I have filed a police report with the XXXX XXXX XXXX XXXX ( Case Number : XXXX ). Additionally, I am aware that my personal data has been exposed in multiple data breaches involving credit reporting agencies. After reviewing my credit reports, I have identified inconsistencies across the three major credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681c-2 ), I am formally requesting a fraud alert and the blocking of any fraudulent accounts or transactions associated with my identity. The FCRA mandates that credit reporting agencies must remove fraudulent information from a victims credit file upon receipt of proof of identity theft. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692c ), debt collectors are prohibited from contacting consumers regarding debts that do not belong to them. This continued harassment and misuse of my information are violations of my consumer rights. 
Due to this fraudulent activity, I have been unable to secure assets and make financial progress. My privacy has been violated, and my credit profile is being used unlawfully. If this matter is not resolved promptly, I will be forced to pursue legal action to protect my rights. 
I expect immediate action to correct my credit profile by removing any fraudulent activity associated with my identity. Please confirm receipt of this letter and provide a timeline for resolution. 
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 2025-04-07 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: AZ

Complaint narrative:
I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dear ChexSystems Dispute Resolution Team, I am writing to formally dispute the information on my ChexSystems report. This is a result of identity theft I do not own any of these accounts and I want these inquirys removed immediately. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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