vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a creditor can not report inaccurate information on a consumers credit report. Since this debt should have been reported under a Tax ID ( EIN ) and not your personal Social Security Number ( SSN ), XXXX has misreported the account, leading to an unfair drop in your score. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires that creditors update and correct information when they discover errors. Since XXXX has never reported your good payment history but suddenly reported a negative item, this constitutes incomplete and misleading reporting, which is prohibited. 

Under 12 CFR 1002.10, creditors are required to accurately report the credit history of an applicant, including timely payments. If XXXX failed to report your on-time payments but only reported the late payment, they are violating your rights by presenting an incomplete credit history. 

inaccurate entry on my personal credit report that has resulted in a XXXX drop in my credit score. This issue is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the Equal Credit Opportunity Act ( 12 CFR 1002.10 ) for the following reasons : 1. The business credit card account under my Tax ID ( EIN ) has been incorrectly reported on my personal credit file under my Social Security Number ( SSN ). 
2. XXXX failed to report my good payment history but reported a single late payment, violating FCRAs requirements for complete and accurate reporting. 
3. This incorrect reporting has caused an unfair drop in my credit score, affecting my financial standing. 

As required by the FCRA, XXXX must immediately correct or delete this inaccurate information. I request that : This account be removed from my personal credit report since it was opened under a Tax ID ( EIN ) and should not be affecting my personal credit. 
XXXX retroactively report my on-time payments if the account is to remain on my report. 

Failure to comply with 15 U.S.C. 1681s-2 ( a ) will result in a formal complaint to the CFPB and potential legal action for damages caused by this inaccurate reporting. 

Please update my records immediately and provide confirmation of these changes within 30 days, per the FCRAs dispute resolution timeline.

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 2025-03-11 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: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-11 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.

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-03-11 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 ( XXXX  ) 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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/year>5 - two charges appeared on my Barclays XXXX to XXXX. The first charge was {$630.00}, the second {$460.00}. 

I promptly reported the fraudulent charges. After an investigation, Barclays inexplicably determined charges were proper. 

I have never in my life owned a XXXX item. I have never shopped at XXXX ever. I reported this to XXXX as well. 

The person who committed the fraud somehow set up a XXXX account in my name with my email, but shipped the items to an abandoned house in XXXX. I noted this in my call to all parties. 

I would like these charges reversed as they were willing to replace my card due to the fraud but they have not reversed the charges.

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 monetary relief
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
I had XXXX treatment from XXXX  to XXXX  and some of the debt from that time is still appearing on my credit file. I am not sure how to even start to remove this from my file. I understand that the new laws concerning medical debt state that it should not appear on 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 2025-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Block, Inc.
State: NM

Complaint narrative:
I used my cashapp card to pay an electric bill instead of {$120.00} I was charged {$1100.00}. I immediately notified the electric company and had the transaction reversed. I received proof from the electric company the transaction was in fact reversed. 

Contacted cashapp to dispute the purchase on that end and was told no dispute was needed sent me a screenshot of the reversal and then never received the money to my account. It's been 5 days and I still have not received the funds. I contacted cashapp again and now they said there is no refund or reverse transaction and it could take 14-30 days. 
Cashapp is not looking into the issue and have threatened to close my account when I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 am writing to dispute the inaccurate information being reported to the credit bureaus regarding the XXXX XXXX Account Number : XXXX According to my records, the information you have reported is incorrect, and I request that it be corrected or removed. 

The following is the incorrect information on my account. The account the was originally charged off XX/XX/year> following 2 payments, then charged off again every single month following. There are many discrepancies and this is illegally reaging a debt that was written off.

Please be advised that under 15 U.S.C. 1692c, I am entitled to have accurate information reported, and I am formally disputing the inaccuracies on this account. I request that you conduct a re-investigation into this matter, and I ask that you provide the following : 1. A detailed explanation of the incorrect information reported.

2. The documentation you have to support your claim that the information is accurate.

3. If applicable, correction of the inaccurate information on my credit report.

If the information can not be verified, I request that it be removed from my credit report in accordance with 15 U.S.C. 1692e, which prohibits false or misleading representations.

If this dispute is not resolved in a timely and satisfactory manner, I will be forced to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue any legal remedies available to me.

Please provide written confirmation of the resolution of this matter, and notify me once the inaccurate information has been corrected.

Thank you for your prompt attention to this issue. 


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 2025-03-11 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: Sezzle Inc.
State: NY

Complaint narrative:
I am writing to dispute the inaccurate information being reported to the credit bureaus regarding the Sezzle Inc. Account Number : XXXX According to my records, the information you have reported is incorrect, and I request that it be corrected or removed. 

The following is the incorrect information on my account. The account the was originally charged off XX/XX/year> following XXXX payments, then charged off again every single month following. There are many discrepancies and this is illegally reaging a debt that was written off. 

Please be advised that under 15 U.S.C. 1692c, I am entitled to have accurate information reported, and I am formally disputing the inaccuracies on this account. I request that you conduct a re-investigation into this matter, and I ask that you provide the following : 1. A detailed explanation of the incorrect information reported. 
2. The documentation you have to support your claim that the information is accurate. 
3. If applicable, correction of the inaccurate information on my credit report. 

If the information can not be verified, I request that it be removed from my credit report in accordance with 15 U.S.C. 1692e, which prohibits false or misleading representations. 

If this dispute is not resolved in a timely and satisfactory manner, I will be forced to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursue any legal remedies available to me. 

Please provide written confirmation of the resolution of this matter, and notify me once the inaccurate information has been corrected. 

Thank you for your prompt attention to this issue. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
US DEPARTMENT OF EDU XXXX Balance : {$3700.00} & US DEPARTMENT OF EDU XXXX XXXX : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-11 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-11 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 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 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 2025-03-11 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-11 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:
Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment Reported : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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