vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Accounts reinserted to credit file XX/XX/year> & XX/XX/year> after deleted previously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-07-11 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I am writing to dispute the reporting of late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open or closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
XXXX there were unauthorized charges to my card as I was robbed at gunpoint. 

I made as quick action as possible to freeze the card, but the robbers had stolen all of my electronics as well. 

I brought this to XXXX XXXX  first who referred me to Cash App. Upon providing the information to Cash App, a person named XXXX I think through email told me they couldn't do anything. I was floored. 

Later I realized I was a member of the class action suit in XXXX, in which they told me to submit into a portal, which I promptly prepared and submitted, but apparently it crashed on me or something because I didn't get a receipt. I then emailed all of the lawyers regionally that were a part of the suit - no response. I then tried mailing and emailing but this was after the due date - I did not receive a response from a Cash App representative until well into XXXX about the " due date '' of the claim. This constitutes as deceptive business practice. 

I tried resolving the issue pre CashApp settlement class action. Of course no resolution, and when the class action was available I tried to file through the portal electronically... well i guessit bugged out because I never got a reference code. I tried everything else, phyiscal mail, reaching out t representing counsel ( there were about XXXX attorneys ) - and all they have to say is excuse after excuse, not realizing that XXXX. ) they violated my rights in the first place and XXXX. ) actively were preventing me from properly and justfully filing the class action. So Here I sit 2 years later and a lot of time wasted. I think I would value to total damages, including the actual money stolen, countless hours out of my day which were a waste, and CashApp 's " deceptive practices - at {$5000.00} flat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
there is accounts being reinserted back on to my report illegally and late payments from XXXX, these things are a hinderance to me being able to succeed.

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 2025-07-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
there is accounts being reinserted back on to my report illegally and late payments from XXXX, these things are a hinderance to me being able to succeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

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. 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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial XXXX  by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding 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 non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: CO

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, CHALLENGEDORNOT.

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 2025-07-11 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: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
They first started taking money about a money when I first started my job, they would take money, have sc of new ones not old, they took and not refund my money like they say when I did try to speak with someone, but no one took action, I tried ordering new card did not work, now XXXX trying tired of getting my money took. Ive lost like around XXXX from cash app, or something around there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I call the customer service and transfer me many times to relevant department. I requested to cancel my bank transfer. But they waited me long minutes for more than XXXX and telling me I. The end they can not cancel. Since I have the right to dispute my transaction. At first place they don't even tell me they can not do and telling me because of the bank. The money still not credited and in progress. Bad service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I submitted a final dispute notice to the credit reporting agencies regarding multiple inaccurate, misleading, and unverifiable entries on my credit report, in violation of both the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1666 ( b ) : Payments were not accurately reflected.

There are apparent billing and accounting errors.

I was not sent billing statements with at least 21 days notice, which is required before assessing late fees or reporting missed payments.

Under 15 U.S. Code 1681i, the credit reporting agencies are required to perform a reasonable reinvestigation when a dispute is submitted. However, no valid verification has been provided for the accounts in questiononly generic or unverified responses. No original billing statements or proof of account validity have been received.

According to 15 U.S. Code 1681i ( a ) ( 5 ), unverifiable items must be deleted or blocked from a credit file. Continued reporting of these items violates the FCRA. 

The disputed accounts include : XXXX XXXXXXXX XXXX  XXXX ( two accounts ) XXXX XXXX XXXX XXXX XXXX XXXX ( four accounts ) The reporting of these accounts has negatively impacted my credit and violates federal law. I have already escalated the matter to the CFPB, FTC, XXXX, and my State Attorney Generals office. I also reserve my right to pursue monetary damages under 15 U.S. Code 1681n, which allows for {$1000.00} per violation. 

I expect a resolution and confirmation within 15 days of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I became a victim of fraud on XX/XX/XXXX. I notified Bank of America on XX/XX/XXXX. After that time, whenever I called customer service at the bank, I would be automatically transferred to the fraud department. Initially, I was told that my original checking account would be frozen and only credits could be made to the account. I also could transfer any funds I had in the account to my new account which I opened on XX/XX/XXXX. 

I informed Bank of America of a recurring payment to XXXX XXXX  company for {$400.00} being a legitimate charge and asked that they pay it. On XX/XX/XXXX, the payment was returned to the company. I called the fraud department again and was told that the payment had to be processed and after that happened my funds could be transferred to my new account and then I could pay it from there. They said I could force pay it but my account had to be in the XXXX. This did not happen. 

Since Monday, XX/XX/XXXX, I have spoken to supervisors and representatives at the bank daily. Each time I've been told something different from me being able to move my money to my new account within 24 hours to the payment having an opportunity to withdraw for my account as many times as the merchant presents it. 

Initially, I thought I would have my funds transferred to my new account and then contact XXXX to tell them about the fraud and my old account being frozen but, requesting that they withdraw my payment from my new account. Things have obviously not progressed as I anticipated. 

I still don't understand how an account can be frozen and only receive credits hold money I have indicated should me moved to my new checking account. 

I would like to file a formal complaint on the fraud department at Bank of America for the mishandling of my account.

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 2025-07-11 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : XXXX XXXX Code XXXX : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

XXXX XXXX XXXX XXXX, Subpart H : You are legally required to delete fraudulent information from my credit file within XXXX ( XXXX ) business days of receiving notice. 

XXXX XXXX XXXX XXXX ( XXXX ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

XXXX XXXX XXXX XXXX : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for XXXX XXXX : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : ( I T XXXX M XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the description the description of reinvestigation procedure according to XXXX XXXX XXXX ( XXXX ) states if requested by consumer, this must be provided within XXXX  days in order to be in compliance with FCRA 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 2025-07-11 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: NC

Complaint narrative:
I submitted a formal dispute directly to TransUnion regarding an inaccurate and unverifiable account listed on my credit report : XXXX XXXX, Account Number : XXXX I requested that TransUnion provide verifiable proof of this account, such as an original signed consumer contract or a certification from the creditor verifying the accuracy and completeness of the information. I stated clearly that if such documentation could not be produced, the account must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 

I also requested : Deletion of all non-account holding inquiries that are more than 30 days old. 

Placement of a promotional suppression on my credit file to stop unsolicited promotional offers.

A description of the procedure used in the reinvestigation process, to be provided within 15 days after its completion. 

No third-party company was involved in filing this dispute. The failure to verify or remove this account is negatively impacting my creditworthiness and 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 2025-07-11 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCM Finance LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against CCMFINANCE for their continued failure to address this matter appropriately. 

Account in Question : Creditor : CCMFINANCE Account Number : XXXXXXXX XXXX XXXX  Balance : {$0.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with CCMFINANCE, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

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 XXXX XXXX XXXX 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