vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
According to FCRA section 605b. It is illegal to report any information en my credit profile without my permission. Please remove this negative item from my credit report. Thank You

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 2025-04-25 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report 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

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 2025-04-24 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: GA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
XX/XX/XXXX I bought some candy XXXX from XXXX XXXX and messaged the on XX/XX/XXXX and asked where my candy was at no answer from them and I paid for express shipping debuted it with cash app and denied a refund with no action on there part tried 4 times to get a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
To Whom it may concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am so writing a victim of identity theft and request immediate blocking and deletion of all fraudulent accounts and information related to the identity theft, as authorized by 15 U.S.C. 1681c2 ( a ). I became aware of the breach of my personal through the Equifax XXXX breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts have been identified as a result of this breach.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom it may concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am so writing a victim of identity theft and request immediate blocking and deletion of all fraudulent accounts and information related to the identity theft, as authorized by 15 U.S.C. 1681c2 ( a ). I became aware of the breach of my personal through the Equifax XXXX breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts have been identified as a result of this breach.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tromberg, Miller, Morris & Partners, PLLC
State: TX

Complaint narrative:
I have received this debt collection letter from Tromberg, Morris & Partners, PLLC.

It stated that I owe {$23000.00} since XX/XX/year> without showing the company besides the collection agency company. This debt is not belong to me or I don't have any knowledge of this. I need to dispute this ASAP. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
My Equifax credit report contains unauthorized and inaccurate information due to identity theft. Someone has used my personal identification, including my Social Security number, without my permission. This misuse resulted in the reporting of fraudulent accounts and inquiries, which continue to impact my credit despite my prior correction requests. These entries were reported without proper confirmation of their validity. While I am not requesting a fraud alert, I am insisting on the immediate removal of these fraudulent records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-25 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Valley Collection Service, LLC
State: MO

Complaint narrative:
I contacted Valley Collection at XXXX and spoke with XXXX, also see below address. 

Valley Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX It was brought to my attention from XXXX XXXX XXXX XXXX XXXX at bad debt reported too all three credit bureau 's XXXX XXXX XXXX XXXX for XXXX. 

I called today, where I was told that if I paid the amount today, they would update all three credit bureau 's. Continuing, they told me that I would be emailed the receipt for payment. Also, they said I would have to email back the receipt along with a copy of my driver 's license, then they would update all three credit reporting agencies. 

After making the XXXX dollar payment, the receipt was email, received, and sent back with a copy of my driver 's license. XXXX emailed me back stating that I needed to sign the receipt. First, they did not tell me this. Also, they did not provide an attachment of the receipt, the receipt details has been included in the body of the email. Finally, I do not have a printer to print it off, then sign it, scan it back into my computer, then email it back to them as an attachment! 

XXXX and Valley Collection LIED TO ME purposefully in order to get me to pay the debt. They had no intentions what so ever to update all three credit bureaus as a condition of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: SECURITY FINANCE CORP
State: WI

Complaint narrative:
Upon reaching out to this company it has came to my attention this account is identity theft I did not open or authorize this account Section 1681s-2 of the Fair Credit Reporting Act ( FCRA ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ), such as credit bureaus. It essentially prohibits furnishers from providing inaccurate information to CRAs after being notified by a consumer that specific information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: WI

Complaint narrative:
Upon reaching out to this company it has came to my attention this account is identity theft I did not open or authorize this account Section 1681s-2 of the Fair Credit Reporting Act ( FCRA ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ), such as credit bureaus. It essentially prohibits furnishers from providing inaccurate information to CRAs after being notified by a consumer that specific information is inaccurate.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: VA

Complaint narrative:
My XXXX  XXXX XXXX wrote a check # XXXX on Community Bank N.A. of XXXX NY dated XX/XX/XXXX for {$20000.00} payable to XXXX XXXX XXXX, enclosed in a sealed window envelope and deposited in a mailbox in XXXX XXXX Somewhere, the envelope was stolen and deposited in a bank by a person signing as " XXXX XXXX XXXX into account number XXXX around XX/XX/XXXX. ( Please see attached image of front and back as deposited ). We were informed by XXXX XXXX XXXX of the missing payment around XX/XX/XXXX. Subsequent investigation showed that the check was cashed at a bank and paid by Community Bank without performing due diligence. By comparing other checks in the same sequence ( see for instance image of check # XXXX attached ), it is clear that the front of the check was missing security lock and the back of the check was differently printed without any pink fingerprint outline. ( There may have been other security breaches that we don't know ). We do not know what fraud marks were sought by XXXX XXXX. However, XXXX XXXX  certainly was laxed in its due diligence. We have filed a police report with XXXX NY police. The branch XXXX XXXX XXXX did determine that the check was deposited at a XXXX XXXX  ( branch unknown ) but thinks that Community Bank is not liable and is not willing to return the stolen funds to our account. Nor are they willing to pursue XXXX XXXX  to make us whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Reporting To Whom It May Concern, I am writing to dispute the unauthorized furnishing of my consumer report by your organization. I recently discovered that my credit report contains information that was reported without my knowledge or consent, and without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. it's also violating the FCRA It was removed from my credit report XX/XX/XXXX, and placed back on my report without notifying me within 5 days of furnishing my report. 



inaccurate information currently being reported on my Equifax credit file. After reviewing my credit report, I have identified the following item ( s ) that I believe are incorrect and need to be investigated and removed or corrected : [ Describe the item ( s ) in dispute ] Example : Account Name : XXXX XXXX Account Number : XXXX Worst delinquency : 30 days past due Opened : XX/XX/XXXXXXXX  Payment Status : Pays account as agreed Balance : XXXX These are inaccuracies reporting to Equifax as of XX/XX/XXXX Reason for Dispute : I never had any account with this company and did not authorize this reporting. It has inaccurate Payment history, inaccurate payment status ( Paying as agreed ) and it states 30 days late this is damaging my credit profile. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax, Experian, and Transunion investigate this matter and correct or remove the erroneous information from my credit report. Please provide written confirmation once the investigation is complete, and documentation showing how your findings were verified. 



I have not authorized any inquiry, application, or transaction that would justify your company furnishing or accessing my consumer report. I therefore request the following : 1. A complete explanation of the basis and legal grounds under which my report was accessed or information was furnished.

2. The name of the entity or entities to whom my information was furnished.

3. Immediate deletion of any unauthorized information from my consumer report.

4. Written confirmation that my file has been corrected and that no further unauthorized access or furnishing will occur. 



Please consider this a formal dispute under the FCRA, and be advised that you are required to investigate and respond within 30 days. I have included a copy of my identification and a utility bill to verify my identity. 



Failure to resolve this issue promptly may result in complaints being filed with the Federal Trade Commission ( FTC ), and other appropriate authorities. I also reserve the right to seek legal remedies. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : Account Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : Account Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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