vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX BALANCED {$2000.00} XXXX XXXXXXXX BALANCED {$610.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX BALANCED {$700.00} XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a unknown account that appeared on my report unlawfully and illegally. I was a clear violation from a company named XXXXXXXX XXXX XXXXXXXX. I corresponded with the company within the alloted time. I sent then a cease and desist. Certified mail, which I will provide documentation in the form of a picture. Theyproceeded to ignore me and illegally put a negatively account that I deny knowing or owing. I asked them to prove it according fcra and to provide information according to fdcpa. They acquiesced. I contacted experian with a dispute, within days the account was deemed verified. I asked for the methods used to determine that. They ignored me. Experian does not reinvestigate according to consumer laws. They are known for telling lies, that is why. CFPB sued them for the same issue. Need help, I want a reinvestigation because I do not owe I do not have a contract I do not know the company in question. Furthermore it's a violation of my civil right to due process. Asked for estoppel I am hindered by this I'm injured I was denied loan and employment

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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hard inquires were reported on my credit report without my consent or knowledge as well as a collection without a wet signature from me confirming the debt. As well as inadequate documentation and 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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I initiated two transfers from my XXXXXXXX XXXX account ( ending in XXXX ) to my Citi accounts. One transfer was for {$500.00} to my Citi Savings Account ( ending in XXXX ), and the other was for {$1000.00} to my XXXXXXXX Account ( ending in XXXX ). Citi confirmed both transfer requests were successfully submitted and stated the funds would be available in about 5 business days. 
However, I later received an email notification from Citi stating that my XXXX Account ( ending in XXXX ) and any other linked accounts would automatically close within 60 days, effective immediately, due to a violation of the terms of my XXXX Account. The email also stated that my accounts are now restricted from receiving deposits or credits. This contradicts the prior confirmation that funds would be deposited. Furthermore, I received an SMS alert indicating a {$50.00} transfer from XXXX Account ( ending in XXXX ) to Citi Savings Account ( ending in XXXX ) is scheduled for XX/XX/year>, which seems inconsistent with the account closure notice and restrictions. 
I have not been able to access the transferred funds, and the conflicting information regarding account closure and scheduled transfers is concerning.

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 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 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 XXXXXX/XX/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 2025-05-21 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-21 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: CORELOGIC INC
State: MD

Complaint narrative:
b'In accordance with the Fair Credit Reporting act.  I am a Victim of Identity Theft see report XXXX XXXX XXXX XXXX  The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681.  These accounts are inaccurate and not known to me. Inquires: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.  \nThese Accounts Must be removed, deleted and blocked.\n15 U.S.C.  1681 Section 602 A, states I have the right to privacy.\n15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannot furnish an 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 and crimes which antedates the report by 7 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.  \n\nAttached are copies of the following documents to assist in processing my request:\nA copy of my government-issued identification card.\nA copy of the Identity Theft Report filed with the Federal Trade Commission. (See the personal statement section for additional accounts)'

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 2025-05-21 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: MD

Complaint narrative:
b'In accordance with the Fair Credit Reporting act.  I am a Victim of Identity Theft see report XXXX XXXX XXXX XXXX The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681.  These accounts are inaccurate and not known to me. Inquires: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.  \nThese Accounts Must be removed, deleted and blocked.\n15 U.S.C.  1681 Section 602 A, states I have the right to privacy.\n15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannot furnish an 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 and crimes which antedates the report by 7 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.  \n\nAttached are copies of the following documents to assist in processing my request:\nA copy of my government-issued identification card.\nA copy of the Identity Theft Report filed with the Federal Trade Commission. (See the personal statement section for additional accounts)'

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 2025-05-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and potentially non-compliant accounts appearing on my credit report. These accounts violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 credit reporting standards.

Please conduct a full reinvestigation of each account listed below. I request the deletion of any account that can not be fully verified with accurate documentation, including full chain of assignment, contract, and payment history. 

XXXX. XXXX XXXX XXXXXXXX Account # : XXXX Issue : Charged-off status with XXXX negative months. Discrepancies in date of first delinquency, last payment ( reported XX/XX/XXXX ), and charge-off timing ( XX/XX/XXXX ). No chain of assignment documentation. 

Requested Action : Validate all data or delete the account if unverifiable. 

XXXX. The XXXX XXXX XXXX  Account # : XXXX Issue : Charged off with {$100.00} balance. Inconsistencies in reported charge-off date ( XX/XX/XXXX ) vs. payment activity. 

Requested Action : Validate delinquency and charge-off timeline or delete. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX Balance : {$2500.00} Issue : No supporting documentation for debt ownership or assignment chain. XXXX and charge-off date not confirmed. 

Requested Action : Provide complete validation or delete this collection. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX : {$620.00} Issue : No itemized billing, contract, or verified assignment. Disputed under FDCPA 809 ( b ). 

Requested Action : Delete if proper documentation can not be produced. 

XXXX. XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Account # : XXXX Original Creditor : XXXX XXXX : {$710.00} Issue : Collection with no payment history, missing or inconsistent DOFD. 

Requested Action : Validate or delete. 

Legal Basis for Dispute FCRA 611 & 623 : Credit data must be accurate and verifiable. Inaccurate or unverifiable accounts must be deleted. FDCPA 809 ( b ) : Consumers have the right to request full validation from debt collectors. Metro 2 Reportin
g Standards : All derogatory data must be complete and correctly formatted ( e.g., DOFD, charge-off coding, date consistency ).

15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

Please reinvestigate each item and provide a written response, including the method of verification used and any supporting documentation. 

If you can not fully verify and validate any account listed above, I respectfully request that you remove it from my file entirely.

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 2025-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: TX

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was reported XXXX days past due when payment is not even due till XXXX. 
I've disputed several times and made several phone calls that didn't resolve problem. 
I believe this is a malicious attempt to keep me from getting a place to live due to bad credit. This is part of a hate crime against me, a XXXX, by XXXX people from XXXX  and the XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-21 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: MI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-21 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancelation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief