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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 US.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer
as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED AND FRAUDULENT INQUIERES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 US.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the XXXX reporting these fraudulent accounts in my report and XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: RI

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 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: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: OR

Complaint narrative:
I initiated a {$500.00} money transfer using World Remit from my XXXX XXXX account to my local account in XXXX on XXXX XXXX, 2025. My XXXX XXXX account was debited for the full sum, but there was no credit to my XXXX XXXX account. I typically get a deposit in a few hours, but that did not happen this time. It was a public holiday in XXXX, so I wrote it off as an unusual one and decided to give it some time. 

I called the customer representative unit on XXXX XXXX to inquire about its status, having received no deposit. Give it 24-48 hours was the response. After that time elapsed, I called again on XXXX XXXX. This time, I was required to forward my bank statement to help corroborate my claim. I called again on XXXX XXXX, and was abruptly notified that there was an error ( due to no fault of mine - the rep stated ), and that I would be issued a refund. This was already a major inconvenience as each call required 15-30 minutes out of my work day as their customer care lines are only available during official work hours ( from XXXX to XXXX ). I also have dependents who were affected by the transfer which was never fulfilled. I was told to wait for 24-48 hours for an instructional email on getting a refund. Finally, I called on XXXX XXXX to follow up on its status. It was the same story ; to wait for 24 - 48 hours for an instructional email on how to receive my refund as it was still being processed.

I received what I consider to be an insulting email this evening notifying me of World Remit 's intention to " close this case '' as they had made a XXXX and were convinced the money has been remitted ( deposited ) in my account. They even attached a receipt. This is not the case as I have checked and rechecked my local account, including a few minutes ago prior to submitting this report. The email also stated " ... no error occurred on our part... ''. I'm not sure what that means because if they did deposit money into my account, then it should be there. If the money is not there, that's clearly not my fault, and it should be their responsibility to fix it. They have however chosen the befuddling path of sidestepping their responsibility. And this is concerning because while this transaction is worth only a few XXXX dollars, it could have been worth a whole lot more of my money. And unfortunately, World Remit would have brazenly denied any responsibility for a problem that is clearly theirs to solve. This should not be so, whether it be a few dollars, or tens of thousands of dollars. 

I hope that you can help me arbitrate a resolution to this matter ( as in getting my full refund ), and perhaps some sanction as well, as they clearly do not take me seriously enough. 

Thank you.

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: RI

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
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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I notified Best Buy that I was closing my store credit account on XX/XX/XXXX due to fraudulent business practices on the part of Best Buy ( I'm still waiting on {$130.00} in refunds from XXXX that have yet to receive the checks for as well as {$50.00} store credit for signing up for their Plus membership that I also never received ) and that our relationship would cease on XX/XX/XXXX. They continue to state that I have an account with them after the fact, which is not true, as I have ceased doing business with them entirely and they refuse to close my account ( why? like, honestly, WHY? ) I find this type of lying and manipulation to be fraud and they should be punished accordingly and my records to updated to properly reflect that the account is closed and we are no longer in business.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report under my name please remove those accounts from my report, they are hurting my ability to obtain credit.these accounts are fraudulent I didnt recognize them I didnt authorize them they being report by a third party please i want to be remove thank you

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: EQUIFAX, INC.
State: NJ

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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/scrub>/2025 XXXX XXXXXXXX/2025 XXXX XXXX XXXX XXXX/XXXX/2025

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Subject : Request for Debt Validation Under the Fair Debt Collection Practices Act To Whom It May Concern I am writing to formally request validation of the debt referenced in your recent communication dated [ insert date of the debt collector 's letter ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires you to provide specific information about the debt in question.

Please be advised that I dispute the validity of this debt and seek the following information : 1. * * The amount of the debt * * : Please provide a detailed breakdown of the total amount you claim I owe, including any fees, interest, or other charges that have been added.

2. * * The original creditor 's name * * : Identify the original creditor and provide documentation that shows I am responsible for this debt.

3. * * Proof of assignment * * : If you are not the original creditor, please provide documentation that demonstrates you have the legal right to collect this debt, including the original account agreement or a bill of sale.

4. * * Payment history * * : Provide a complete account of all transactions, payments, and any adjustments made to the account, including dates of late payments.

5. * * Verification of the debt * * : I request a copy of the original contract or agreement that supports your claim.

In accordance with the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request will compel me to report your non-compliance to the Consumer Financial Protection Bureau ( CFPB ) and take appropriate legal action to protect my rights.

Additionally, please be aware that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any negative information regarding this alleged debt must be accurate and substantiated. If you are unable to validate the debt, I expect you to cease reporting this debt to credit bureaus and to inform them of its invalid status.

I demand that all future correspondence regarding this matter be conducted in writing. Please send your response to the address listed at the top of this letter. I appreciate your immediate attention to this matter and look forward to your prompt reply within 30 days, as stipulated by federal law.

Thank you for your cooperation.

Sincerely,

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: Experian Information Solutions Inc.
State: LA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing the continued monthly updating of a charged-off account by XXXX XXXXXXXX XXXX XXXX Account # XXXX ). The account was charged off in XX/XX/year> but is being reported as charged off every month since then. This falsely indicates ongoing delinquency and violates the FCRA. 

This issue was not addressed in a prior complaint. I am now submitting it as a separate, standalone issue. Supporting documentation is attached.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the continued monthly updating of a charged-off account by XXXX XXXXXXXX XXXX XXXX Account # XXXX ). The account was charged off in XX/XX/year> but is being reported as charged off every month since then. This falsely indicates ongoing delinquency and violates the FCRA. 

This issue was not addressed in a prior complaint. I am now submitting it as a separate, standalone issue. Supporting documentation is attached.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$910.00} Open Date XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XXXX XXXX Balance : {$480.00} Open Date XXXXXXXX XXXX XXXX Balance : {$550.00} Open Date XXXX XXXX XXXX Balance : {$410.00} Open Date XXXX XXXX XXXX XXXX Balancee : {$17.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$64.00} Open Date XXXX XXXX XXXX XXXX Balance : {$10000.00} Open Date XXXX XXXX XXXX XXXX Balance : {$640.00} Account No XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief