vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
I'm writing to formally dispute an account that has been incorrectly reported under my credit file. This account does not belong to me and appears to be mixed in with my personal credit information. Its critical to understand that this is someone elses account entirely, and its presence on my report is both inaccurate and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I lost stopped in to XXXX to pay my furniture payment and upon leaving it started down pouring on the way to my car. While trying to not fall I didnt realize I dropped my card while trying to put it in my back pocket. I came straight home after leaving showplace. Later that afternoon I received notifications that my card was used at XXXX I immediately closed my card contacted cashapp filed a dispute and ordered a replacement. They refused to refund my claim and blocked me from my card access. No matter what I say or do they are rude will not listen and continue to cut me off saying v there is nothing further we can do with out explanation or anything. All they did was send me a copy of my transactions for the day with my denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been calling for a month or so to ask for help with my online account. Equifax isnt helping me with my request. This morning they sent an email to me email address to XXXX XXXX I am not her. I would like to have access to my account on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX 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 2025-05-14 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: V and H Portfolio
State: CA

Complaint narrative:
This company is stating this debt it mines and I have never done business with this company and never heard of this company my identity has been compromised several times resulting in these type of things I have been disputing this for months and havent gotten any where this debt is not mine and I want it removed from my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The account is Santander Consumer Usa # XXXX. The account is paid and closed, but reporting late payments on all three credit bureaus. Equifax, Transunion, Experian. It continues negatively impact my credit. I'm requesting immediate corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

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

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 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-14 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 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, that is considered identity theft. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The account was previously removed but is now reinserted back on to my Equifax credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within five business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA section 61 l ( a ) ( 5 ) ( B ) ( ii ). The account listed below, which appears on my credit report, does not relate to any account I have opened or have knowledge. It is the result of identity theft. I also included evidence which stated to the CFPB portal the account was removed and no longer reporting on my credit report. 
1. 
XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In 2023, I submitted a written debt validation request to XXXX XXXX XXXX XXXX XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested full validation and documentation to substantiate their claim that I owe a debt of {$2500.00}. 

XXXX XXXX XXXX has completely failed to provide any documentation, validation, or proof of debt. Despite this, they have continued to report this account to the credit reporting agencies, which constitutes a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

I also previously disputed this account directly with the credit reporting agencies, yet XXXX XXXX XXXX continues to report this unverified debt. Both XXXX XXXX and the credit bureaus are in violation of federal law by furnishing and allowing the reporting of unverifiable information. 

This account is false, unverified, and damaging my credit profile. I have attached : A copy of my 2023  debt validation request to XXXX XXXX XXXX Proof of delivery of my request A current copy of my credit report showing the account is still being reported I am requesting immediate deletion of this account from all of my credit reports. I am also requesting that the CFPB investigate XXXX XXXX XXXX for continued violations of FDCPA and FCRA and take any enforcement action necessary to protect my consumer rights. 

If this matter is not resolved, I intend to pursue further legal action under FDCPA 1692k for damages, and I will also file complaints with the Federal Trade Commission ( FTC ) and the Georgia Attorney Generals Office. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In 2023, I submitted a written debt validation request to XXXX XXXX XXXX XXXX XXXX in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested full validation and documentation to substantiate their claim that I owe a debt of {$2500.00}. 

XXXX XXXX XXXX has completely failed to provide any documentation, validation, or proof of debt. Despite this, they have continued to report this account to the credit reporting agencies, which constitutes a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

I also previously disputed this account directly with the credit reporting agencies, yet XXXX XXXX XXXX continues to report this unverified debt. Both XXXX XXXX and the credit bureaus are in violation of federal law by furnishing and allowing the reporting of unverifiable information. 

This account is false, unverified, and damaging my credit profile. I have attached : A copy of my 2023  debt validation request to XXXX XXXX XXXX Proof of delivery of my request A current copy of my credit report showing the account is still being reported I am requesting immediate deletion of this account from all of my credit reports. I am also requesting that the CFPB investigate XXXX XXXX XXXX for continued violations of FDCPA and FCRA and take any enforcement action necessary to protect my consumer rights. 

If this matter is not resolved, I intend to pursue further legal action under FDCPA 1692k for damages, and I will also file complaints with the Federal Trade Commission ( FTC ) and the Georgia Attorney Generals Office. 

Thank you for your immediate attention to 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX at about XXXX, I tried to unfreeze my my credit online. I would log in and then just get a page that says, " Welcome back. Get your Free Experian Credit Report now. '' That is the only thing I can do. I can only access my free credit report. All other links I click log me out. 
On XX/XX/XXXX, I tried online again only to get the same result. Then I tried calling multiple times, but the automated reply would tell me there is a problem with my account and hang up. 
I tried online again probably at least XXXX times. 
I tried calling corporate and someone transferred me back to the automated service twice. 
I called again. A lady tried to help me but told me that I didn't have security questions so she couldn't verify me. She said she'd transfer me to someone who could help me set those up online. It went back to the computer automated help line. I tried to get help, but it didn't understand and hung up. 

I have called at least 7 times and still can't get help! My husband can log in and unfreeze, but I don't have the ability and no one will help 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Dave Operating, LLC
State: PA

Complaint narrative:
My wife sent me money to feed my kids I transferred it to my account the closed it right away I contact them bout the issue 1 year ago & still nothing months later they said they will send a check out & no check arrived im homeless I have no {$50.00} for new id rn I been send that over when it first happen I email everything still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for failing to provide me with an IRS Form 1099-C, which is required when a debt of {$600.00} or more has been canceled.

According to IRS regulations, any creditor that cancels a debt of {$600.00} or more must issue Form 1099-C to the debtor no later than XX/XX/XXXX of the year following the debt cancellation. I became aware that a debt had been canceled in my name [ either through a credit report update, third-party notification, or other means ] yet I never received the required XXXX form for tax reporting purposes. 

This failure has left me unable to properly file my tax return and places me at risk of noncompliance with IRS regulations. It is also unfair to expect consumers to report canceled debt as income without receiving the appropriate documentation to do so. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX by phone call and letter on multiple occasions, but have received no response or resolution.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX for failing to provide me with an IRS Form 1099-C, which is required when a debt of {$600.00} or more has been canceled.

According to IRS regulations, any creditor that cancels a debt of {$600.00} or more must issue Form 1099-C to the debtor no later than XX/XX/XXXX of the year following the debt cancellation. I became aware that a debt had been canceled in my name [ either through a credit report update, third-party notification, or other means ] yet I never received the required XXXX form for tax reporting purposes. 

This failure has left me unable to properly file my tax return and places me at risk of noncompliance with IRS regulations. It is also unfair to expect consumers to report canceled debt as income without receiving the appropriate documentation to do so. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX by phone call and letter on multiple occasions, but have received no response or resolution.

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