vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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 am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

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 2025-04-28 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : XXXX. I dispute the entire amount of the alleged debt. 
XXXX. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached. 
XXXX. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me. 
XXXX. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-28 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: MI

Complaint narrative:
XXXX Hard inquiries Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Hard inquiries XXXX XXXX Inquiry : XXXX XXXX, 2025 XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX CARD Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX CARD Inquiry : XXXX XXXX XXXX The previous hard inquiries are a result of identity theft. Per 18 U.S. Code 1028A - Aggravated identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want these hard inquiry removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately

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 2025-04-28 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:
To begin, i was a victim of identity theft. In the month of XX/XX/XXXX accounts i didn't initiate began appearing on my credit report. Fast forward to XXXX there are 3 accounts that are inaccurate appearing on my credit report. On the date of XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX  was opened. The current balance of this account is {$18000.00}. A " XXXX XXXX '' account was opened on XX/XX/XXXX. It began appearing on my credit report with a reported balance of {$100.00}. The final account is a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX. The current balance is {$2300.00}. I have no knowledge of these accounts or how they were opened. Below is an attached pdf file of my identity theft report showing more information about the theft.

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 2025-04-28 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: GA

Complaint narrative:
To begin, i was a victim of identity theft. In the month of XX/XX/XXXX accounts i didn't initiate began appearing on my credit report. Fast forward to XXXX there are 3 accounts that are inaccurate appearing on my credit report. On the date of XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX  was opened. The current balance of this account is {$18000.00}. A " XXXX XXXX '' account was opened on XX/XX/XXXX. It began appearing on my credit report with a reported balance of {$100.00}. The final account is a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX. The current balance is {$2300.00}. I have no knowledge of these accounts or how they were opened. Below is an attached pdf file of my identity theft report showing more information about the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
Upon review of my reports, I discovered multiple derogatory items including charge-offs and late payments that I believe are being reportedinaccurately without proper legal verifi cation. There are privacy violations, violation of FCRA 602, 607 and 611, violation of FCRA 623 ( a ) ( 2 ) andheightened risk due to data breach associated with XXXX XXXX XXXX XXXX  and his consulting with XXXXXXXX XXXX XXXX XXXX I demand these accounts be removed immediately. Please note that TransUnion, XXXX XXXX XXXX utilize stall tactics to keep me from requesting changes to my report. Please remove accounts attached.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am being charged interest and monthly fees for a {$920.00} purchase that was refunded months ago. This refunded item was part of a Chase Equal Pay Plan, but the plan was never canceled, so I am still being billed as if I owe the full amount even though I received a full refund. 

I have spoken with Chase multiple times, but no one has been able to remove the plan, explain the charges, or reverse the interest/fees. As a result, my balance remains inflated, and I now have a past due amount reported. 

I am requesting that the Equal Pay Plan tied to the refunded item be canceled retroactively and that all related charges and fees be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is inaccurately and irresponsibly reporting several accounts as derogatory debts, even though these obligations were properly handled and XXXX through bankruptcy proceedings under XXXX XXXX. Specifically, the XXXX XXXX Bankruptcy case number XXXX included XXXX CARD account number XXXX * * * * with a {$0.00} balance, XXXX XXXX account number XXXX * * * * with a {$0.00} balance, XXXX XXXX  account number XXXX * * * * with a {$0.00} balance, XXXX account number XXXX * * * * with a {$0.00} balance, XXXX account number XXXX * * * * with a {$0.00} balance, XXXX account number XXXX * * * * with a {$0.00} balance, and XXXX account number XXXX * * * * with a {$0.00} balance. All of these accounts were included in my bankruptcy discharge and legally resolved, yet Experian continues to report them inaccurately, misleading future lenders about my creditworthiness. This is a clear violation of 15 USC 1681e ( b ) and 15 USC 1681i, which require Experian to ensure maximum possible accuracy and conduct a reasonable reinvestigation when disputed. The inaccurate reporting is extremely damaging and is likely due to outdated or compromised data from a prior data breach or poor 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 2025-04-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-04-28 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: PA

Complaint narrative:
Today, during my usual credit report review, I discovered some accounts that shouldn't be there, and I'm unsure of their origin. I tried refreshing the page, suspecting a glitch, but the erroneous entries remained. I'm requesting a comprehensive review of the documents I've sent to rectify this matter and alleviate any ongoing worries.

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 2025-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: The J. G. Wentworth Company
State: MO

Complaint narrative:
I was solicited by JG Wentworth to pay off my debts. I had made a lot of payments to them - probably close to {$5000.00} to {$6000.00} and nothing was ever done with the debts. 
I am now being sued by XXXX of the companies included in the debt management program. 

I requested my money back and they would not release my funds. 
Nothing was ever done on ANY of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is inaccurately and irresponsibly reporting an outdated previous addressXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, listed with a reported date of XXXX2021on my credit file, even though this address is no longer associated with me and has no relevance to my current personal identification. Maintaining outdated or obsolete personal information is a direct violation of 15 USC 1681e ( b ) and 15 USC 1681i, both of which require Experian to ensure the maximum possible accuracy of consumer information. The continued presence of incorrect personal data increases my risk of misidentification, identity confusion, and potential fraudulent activity, especially given the widespread data breaches that have compromised consumer information in recent years. XXXX failure to promptly update and maintain accurate personal information reflects a reckless disregard for its legal responsibilities under 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 2025-04-28 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:
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 non-monetary relief
Consumer complaint received 2025-04-28 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: AK

Complaint narrative:
On XXXX/2025 {$120.00} was transferred through CashApp to an account. Account received the transfer but the account owner was unable to access the account. 
On XXXX/2025, following CashApp 's policy, I requested a refund. Recipeint never received notification that a refund was requested. 
On XXXX/2025 recipient contacted CashApps customer service to attempt to regain access to the account. CashApp support responded with " we're unable to grant access to [ redacted account ] for security reasons... we can't override this decision. '' On the same day I contacted CashApp from my account informing them of the issue and that the recipient could not access their account and that they refused to let them access it. That money was sent to this account and a refund was needed. They refused to help and blamed me and the recipient for their actions of locking the account. 
CashApp locked an account owners access to their account but is still allowing other users to transfer money to the account effectively fraudulently obtaining monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX, I applied for a business checking account under promotion XXXX. On XX/XX/XXXX, I was approved for the account. 
On XX/XX/XXXX, I met the signup terms for the account, as confirmed by a representative on XX/XX/XXXX. The bonus was supposed to be paid out by EOD XX/XX/XXXX. Sometime during XX/XX/XXXX, the bonus was allegedly supposed to be applied to the account but was not because the account was incorrectly charged a fee, bringing it to a negative balance, which was told to me be a representative on XX/XX/XXXX. Apparently no future attempts were made to pay out the bonus while my account had a positive balance, even though that would have satisfied the terms of the bonus. My husband, who did the exact same thing I did with his account, received his signup bonus, as did others I spoke with. 
I called on XX/XX/XXXX to inquire why I did not receive the signup bonus and was told there was not clear information for that but that the representative would look into it and tell me within ten business days. 
On XX/XX/XXXX, I called again after not receiving the promised callback and was told the information listed above, which should have been visible to the first representative and which the bank would not provide evidence for beyond stating that they " looked at it. ''

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting a formal complaint because the credit reporting agency failed to properly investigate and remove accounts related to identity theft from my credit file. I submitted a valid FTC Identity Theft Report, supporting documentation, and disputes identifying multiple fraudulent accounts. Despite this, the agency continues to report inaccurate, fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, some previously removed items are still being reported by third parties. 
I submitted an FTC Identity Theft Report detailing multiple fraudulent accounts that have been incorrectly reported under my name. The accounts are listed in the FTC Identity Theft Report, which is attached to this complaint. Despite my prior disputes, the credit bureaus and/or collectors have failed to remove these inaccurate items. 
I am requesting immediate deletion of all accounts identified in my identity theft filing, correction of my credit file to reflect accurate information, and an updated investigation in full compliance with the FCRA. I am also requesting that all outdated addresses and unauthorized inquiries tied to the fraud be removed from my 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