vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am submitting this formal complaint against TransUnion for failing to remove an unverified student loan account from my credit report, despite a prior dispute. The account in question is a student loan serviced by XXXX ( Department of Education ).

I previously disputed this account with all three major credit reporting agencies. As a result, XXXX reviewed the matter and removed the account from my credit report. However, TransUnion continues to report the account, which indicates a failure to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account : XXXX / Dept. of Education - XXXX XXXX Account was deleted following my dispute. 
- TransUnion : Still reporting the account. 
- Inconsistencies : XXXX XXXX and TransUnion received the same dispute documentation. 
- The continued reporting suggests TransUnion did not obtain proper verification. 
- The account number format also differs from XXXX, raising further concerns about data accuracy.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc.
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX  and XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am submitting a formal complaint regarding a bill that was sent to a collection agency which appears on my credit report. I am asking that this be removed completely from my credit report because all three reporting branches of the Credit Bureau have different information. According to the Fair Credit Reporting Act ( FRCA ), all three reporting branches must state the same information. There are two branches that have a 23-day discrepancy and one branch that doesnt even report this account. 
XXXX XXXX states that I owe {$180.00} from an account that I had with them in XXXX, XXXX. 
XXXX. ) XXXX  states that a bill from XXXX XXXX was opened through a collection agency on XX/XX/XXXX on my credit report. 
XXXX. ) XXXX XXXX states that a bill from XXXX XXXX was opened through a collection agency on XX/XX/XXXX on my credit report. 
XXXX. ) XXXX  has no record of any bill from XXXX XXXX. 
I disputed this derogatory mark that is on my credit report from Credence Resource Management with XXXX XXXX on XX/XX/XXXX. It was denied on XX/XX/XXXX. 
I called and spoke with Credence Resource Management ( XXXX ) on XX/XX/XXXX at XXXXXXXX XXXX, regarding the dispute that was denied. Credence Resource Management took {$24.00} out of my account fraudulently 11 days after I had spoken with them. 
The last time I had an account with XXXX XXXX was XXXX, XXXX. That account had to be paid in full before I could transfer my service from XXXX XXXX to XXXX. I have spoken to a representative at XXXX XXXX on XX/XX/XXXX at XXXX ( XXXX XXXX who informed me that they have no record of this account - after verifying my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

As I have consistently stated, the following address is incorrect and should not be associated with my credit file : My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX, Georgia XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX, XXXX, AL, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
During a recent attempt to use my debit card, I discovered that my XXXX account had been restricted and ultimately closed. After speaking with several representatives, I was told this action was taken because I am listed as a beneficiary on another individual 's account that has been restricted or closed. 

I am not a joint owner, co-signer, or authorized user on that account, and my account is completely separate. I received no notice or written documentation explaining the reason for the closure. 

I am requesting a detailed written explanation for the closure and whether any banking history flags were filed against me. If I do not receive a response within 10 business days, I will explore further legal options to protect my financial rights. 

Please treat this as an urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX XXXX XXXX there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX XXXX XXXX there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had a XXXX XXXX from XXXX XXXX XXXX XXXX. I got behind on payments and they offered me a settlement for 60 % of my balance. The offer was made on XX/XX/XXXX and was valid until XX/XX/XXXX. My balance was {$1300.00}. They called me on XX/XX/XXXX and the account was settled for {$800.00}. Exactly 60 % of the balance. They then came back and reported my account delinquent from XX/XX/XXXX to XX/XX/XXXX when they sold it to midland credit for {$820.00}. I have tried numerous disputes with midlands lawyers and XXXX Both have denied my efforts even when given clear evidence of the offer made by them and my payment. I have the email sent to me on XX/XX/XXXX with the offer and I have receipt of payment to XXXX XXXX on XX/XX/XXXX. I will be attaching copies of both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Everymonrh they changed my minimum and I paid it I had a no interest plan and I paid late a few times and paid the late fee then they started charging me interest on a plan that was interest free for a time and I paid it off before that date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed this account as inaccurate due to identity theft in XXXX, XXXX, XXXX, XXXX, and XXXX, and it has not been removed. The company refused to send the validation of the debt, instead, they sent verification that it was added, but no paperwork to support. They were told they were in violation of the law, and they still placed the account back, with a start date of XXXX and XXXX. From XXXX, there was a fraud alert on my credit reports. In addition to credit freezes.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am filing a complaint regarding a charged-off account reported by Huntington Bank XXXX The account was closed and marked as a profit and loss write-off without any proper notification or final notice from the creditor. 

I did not receive any written notice, phone call, or electronic communication informing me that the account was being closed or charged off. I only became aware of the closure and charge-off after viewing my credit report. 

This lack of communication violates the Fair Credit Reporting Act ( FCRA ), which requires that information reported to credit bureaus be accurate, complete, and provided with proper notice. I respectfully request that the CFPB investigate whether Huntington Bank followed proper procedures in reporting this account, including documentation of any attempted or delivered notifications. 

If Huntington Bank can not provide evidence of proper notification, I am requesting that this charge-off and associated derogatory marks be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
To whom it may concern, I am filing a complaint against Cash App for the way my situation was mishandled when my device was reported lost/stolen. I have tried to get this taken care of for a month now with no success, this company continues to tell me that there was no wrong doing due to a pin being used ON THE DEVICE THAT WAS REPORTED TO MULTIPLE CASH APP REPRESENTIVES THAT IT WAS LOST/STOLEN. I reported my device lost/stolen XX/XX/year> which my service was suspended for nearly an hour. Upon getting into my account from my new device I reached out to Cash App and informed them that my XXXX  had been stolen, the representative that I was speaking with removed all of my banking information from the app. I tried a numerous amount of times to remove the XXXX  device from my Cash App account but it was not letting me remove it because I was on a new device. I spoke with several representatives and explained to them I no longer had that device and couldn't remove it from my account. I didn't have any issues with my other banking apps that I use, only Cash App. If Cash App would have taken the time out to remove the device for me and not allow it to log back in from that device like other banking apps did then my money would not have been sent to people that I didn't know. When I reported my phone as being lost/stolen, instead of just removing my banking information from my account, the representative should have also removed that device and flagged it from being able to login. Money was transferred and sent after the fact of me informing Cash App of what was going on. Cash App need to take responsibility and admit that not only did their representatives fail me in this matter, but also the investigation team did not thoroughly investigate. This matter was severely mishandled, I had other banking apps and yet Cash App is the only company to not protect me and due to them not protesting me {$2900.00} was taken out of my account. My other banking apps IMMEDIATLEY FROZE MY ACCOUNTS AND NO ACTIVITIES WERE ALLOWED UNTIL THEY THOROUGHLY VERIFIED MY INFORMATION, SO I KNOW THERE WAS A BETTER WAY FOR CASH APP TO HANDLE THE MATTER REGAURDING MY LOST/STOLEN DEVICE. Attached are all of the timeline correspondence and lack of correspondence and information of everything that took place between myself and cash app. This has not only affected me financially due to me being a single mother but it has also affected me both mentally and physically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not and should not be reporting. 
Experian Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

The following inquiry was not and should not be reporting. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation