vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been dealing with this since XXXX  i have submitted docs, etc. nothing is fixed Ive seen accounts get removed just to be placed back on to my credit report which by law the credit bureau supposed to informed within 5 days which they have failed to do, also my info has been leaked and data breach, also i cam currently going through a lawsuit with XXXX XXXX XXXX on the data leak also my info was impacted by transunion data leak ive mentioned this to the credit bureau and they have failed to removed this info from my credit file. If theses accounts do not get removed I will have to begin litigation and contact my lawyer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I HAVE NO IDEA WERE THIS ACCT COME FROM )

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 2025-03-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2025-03-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I received a mailer from Cash App that included a XXXX  card with my name on it. I do not have a Cash App account and I did not request this card. I have reported this to Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
Company : XXXX XXXX XXXXXXXX, Experian, XXXX Product : Credit Card Sub-product : Secured credit card Issue : Incorrect information on your credit report Sub-issue : Information belongs to someone else or is inaccurate What happened ( full narrative ) : I am filing this complaint against XXXX XXXX regarding two secured credit card accounts that I opened and that were both closed by XXXX XXXX in early XXXX. Despite responsible usage and full refunds of my security deposits, XXXX XXXX has reported inaccurate late payments and improperly charged fees and interest after the accounts were closed. 

Account 1 XXXX XXXX XXXX  Secured Card ending in XXXX Opened XX/XX/XXXX and closed by XXXX XXXX  on XX/XX/XXXX. 
Security deposit of {$200.00} was refunded on XX/XX/XXXX, confirming I had no balance due. 
Despite the closure and full refund, XXXX XXXX continued to report late payments and apply charges that led to a false balance. 
Disputed charges : {$25.00} XXXXturned ACH Fee on XX/XX/XXXX, due to AutoPay being active after closure. 
{$25.00} Past Due Fee on XX/XX/XXXX, despite no missed payments. 
{$25.00} Past Due Fee again on XX/XX/XXXX, two months after closure. 
{$0.00} and {$0.00} in interest charged on the above fees in XXXX and XX/XX/XXXXXXXX XXXX 
On XX/XX/XXXXXXXX XXXX I contacted XXXX XXXX after receiving a statement showing a balance of {$51.00}, made up entirely of these improper post-closure fees. Although I knew the charges were invalid, I paid the balance in good faith to prevent further credit damage. I am requesting a full refund of {$100.00} for these charges ( fees + interest + my payment ). 

Account 2 XXXX XXXX XXXXXXXX Secured Card ending in XXXX This account was also closed by XXXXl XXXX. I received a full {$200.00} security deposit refund on XX/XX/XXXXXXXX 
The XX/XX/XXXX statement showed a credit balance of {$200.00}, with no fees, interest, or past due balance. 
Despite this, the account is still showing on my credit report, and I am unsure if XXXX XXXX is reporting any negative history. I request that no derogatory or inaccurate marks be associated with this account. 
Requested Resolution : Immediate correction of all false reporting related to both accounts. 
Removal of all incorrect late payments, fees, and interest charges from my credit history. 
Refund of {$100.00} for charges associated with account ending in XXXX. 
Ensure no derogatory reporting is applied to account ending in XXXX. 
I have attached supporting statements and payment confirmation, and I am requesting a formal investigation under 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 2025-03-21 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: VA

Complaint narrative:
Company : XXXX XXXX XXXXXXXX, Experian, XXXX Product : Credit Card Sub-product : Secured credit card Issue : Incorrect information on your credit report Sub-issue : Information belongs to someone else or is inaccurate What happened ( full narrative ) : I am filing this complaint against XXXX XXXX regarding two secured credit card accounts that I opened and that were both closed by XXXX XXXX in early XXXX. Despite responsible usage and full refunds of my security deposits, XXXX XXXX has reported inaccurate late payments and improperly charged fees and interest after the accounts were closed. 

Account 1 XXXX XXXX XXXX  Secured Card ending in XXXX Opened XX/XX/XXXX and closed by XXXX XXXX  on XX/XX/XXXX. 
Security deposit of {$200.00} was refunded on XX/XX/XXXX, confirming I had no balance due. 
Despite the closure and full refund, XXXX XXXX continued to report late payments and apply charges that led to a false balance. 
Disputed charges : {$25.00} XXXXturned ACH Fee on XX/XX/XXXX, due to AutoPay being active after closure. 
{$25.00} Past Due Fee on XX/XX/XXXX, despite no missed payments. 
{$25.00} Past Due Fee again on XX/XX/XXXX, two months after closure. 
{$0.00} and {$0.00} in interest charged on the above fees in XXXX and XX/XX/XXXXXXXX XXXX 
On XX/XX/XXXXXXXX XXXX I contacted XXXX XXXX after receiving a statement showing a balance of {$51.00}, made up entirely of these improper post-closure fees. Although I knew the charges were invalid, I paid the balance in good faith to prevent further credit damage. I am requesting a full refund of {$100.00} for these charges ( fees + interest + my payment ). 

Account 2 XXXX XXXX XXXXXXXX Secured Card ending in XXXX This account was also closed by XXXXl XXXX. I received a full {$200.00} security deposit refund on XX/XX/XXXXXXXX 
The XX/XX/XXXX statement showed a credit balance of {$200.00}, with no fees, interest, or past due balance. 
Despite this, the account is still showing on my credit report, and I am unsure if XXXX XXXX is reporting any negative history. I request that no derogatory or inaccurate marks be associated with this account. 
Requested Resolution : Immediate correction of all false reporting related to both accounts. 
Removal of all incorrect late payments, fees, and interest charges from my credit history. 
Refund of {$100.00} for charges associated with account ending in XXXX. 
Ensure no derogatory reporting is applied to account ending in XXXX. 
I have attached supporting statements and payment confirmation, and I am requesting a formal investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2025-03-21 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: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
CFPB Complaint : TransUnion XXXX XXXX XXXX  Failed to Fix Disputed Errors Request for Removal 1. What is this complaint about?

Credit reporting issues Failure to fix errors after dispute & failure to mark the account as disputed** 2. Who is responsible? 
TransUnion ( Credit Reporting Agency XXXX XXXX XXXX XXXX Creditor/Furnisher ) 3. What happened? 

I disputed inaccurate and outdated information on my credit report with TransUnion and XXXX XXXX, but they **failed to correct or remove the errors. They also violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to mark the account as disputed** during the investigation process. Since they did not properly verify the accuracy of this information, I am requesting the immediate removal of this account from my credit file. 

The errors that remain on my credit report despite my dispute : - Creditor : XXXX XXXX XXXX Account Status : ** Still shows **Sold ; was Charged-off** even after my dispute - Payment History : Incorrectly reports XXXX days late** ( XX/XX/XXXX - XX/XX/XXXX ) - High Balance & Credit Limit : ** Incorrectly listed as {$370.00} balance / {$100.00} credit limit - Estimated Removal Date : Still shows XX/XX/XXXX, which should be corrected, - Failure to Mark Account as Disputed : ** Both TransUnion and XXXX XXXX  failed to mark this account as disputed during the investigation, which is a clear violation of FCRA 611 ( a ) ( 3 ) & 623 ( a ) ( 3 ) Because this information is inaccurate, unverifiable, and was not properly investigated, it must be deleted from my credit file per FCRA 611 ( a ) ( 5 ) ( A ).

4. How TransUnion & XXXX XXXX Violated the FCRA TransUnion ( Credit Bureau ) Violations - FCRA 611 ( 15 U.S.C. 1681i ) Failed to conduct a proper reinvestigation and continued reporting inaccurate information.

- FCRA 611 ( a ) ( 3 ) Did not mark the account as " disputed '' after receiving my dispute. 

XXXX XXXX  ( Creditor/Furnisher ) Violations - FCRA 623 ( 15 U.S.C. 1681s-2 ) Failed to properly investigate my dispute.

- FCRA 623 ( a ) ( 3 ) ** Did not report the account as " disputed '' to the credit bureaus as required.

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 2025-03-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2025-03-21 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: CA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my 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 non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-21 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-21 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-21 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: NC

Complaint narrative:
My info was leaked in data breach and its a lot of things I dont know about on my report cant get original agreements because they sold them to collections

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