vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: IL

Complaint narrative:
XX/XX/XXXXXXXX XXXX inquiry is unauthorized on my credit report and ask it for it to be removed ASAP XX/XX/scrub> 2025 the inquiry was put on my credit report trans union isnt we re-investigating disputes. They are doing some investigations. Theyre not doing any investigations. Theyre sending letters back saying they dont think its me and theyre not gon na move forward with the investigation. Im setting a copy to show proof.

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 2025-02-21 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files. 
Experian : XXXX Equifax : XXXX TransUnion : # XXXX| have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. Thank you for your attention to this matter. Ilook forward to your swift response.

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 2025-02-20 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: AL

Complaint narrative:
I recently reviewed my credit report and found multiple inaccuracies, including accounts that contain incorrect information. Some accounts show balances, late payments, or statuses that are not accurate, which is misleading and unfairly impacting my credit profile. I take my financial history seriously, and I need these errors corrected immediately.

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 2025-02-21 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: TX

Complaint narrative:
I can log into my equifax no problem but lenders or apartment screenings can not pull my credit file. There is not a lock or a freeze on the account. The same thing goes for my transunion account. Lenders and I can only see and pull my experian report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
I was emailed by XXXX XXXX that I had two new loans on my credit report from TransUnion so I disputed it on XXXX XXXX and TransUnion which they verified the information asb ring accurate and its not I called trans Union & charges to try to clear this up and even reached out to the school twice which claimed Im not in there data and wanted me to give my SS which I didnt so they couldnt give me information on the loans of {$1500.00} & {$870.00} which was opened on XX/XX/scrub>/2024 from Dept of ED/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX telephone XXXX ( XXXX ) XXXX only information I was told to call was 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 2025-02-21 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: GA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Owed : {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian, Equifax, and TransUnion for their failure to verify and validate the accuracy of a charge-off account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to ensure that all information reported is 100 % accurate, verifiable, and substantiated.

Key Issues with Credit Reporting : Failure to Properly Verify the Charge-Off Before Reporting It The credit reporting agencies are responsible for ensuring that any derogatory account they report has been fully validated before adding it to a consumers credit file. 
I have disputed this charge-off directly with Experian, Equifax, and TransUnion, yet they failed to provide me with proof of any independent verification process conducted before or after placing this account on my report.

Without clear evidence that they conducted proper due diligence, they are violating FCRA Section 623, which mandates that all furnished data must be accurate and fully substantiated.

Inconsistent & Unverifiable Information Across Bureaus The charge-off account is reported differently across all three bureaus, with discrepancies in : Date of first delinquency Balance owed Account status and pay status Scheduled removal date If this information can not be verified with 100 % accuracy, the bureaus must remove it under FCRA Section 611.

Increased Risk of Identity Theft Due to a Confirmed Data Breach I received a formal notification from XXXXXXXX XXXX XXXX XXXXXXXX confirming that my personal and financial information was compromised in a data breach. 
Given that my sensitive financial data was exposed, the accuracy of any account linked to my identity must be questioned. 
The credit bureaus failed to take this breach into account when validating the information they received before reporting the charge-off, which is a serious compliance issue under FCRA Section 605B .

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 2025-02-21 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian, Equifax, and TransUnion for their failure to verify and validate the accuracy of a charge-off account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to ensure that all information reported is 100 % accurate, verifiable, and substantiated.

Key Issues with Credit Reporting : Failure to Properly Verify the Charge-Off Before Reporting It The credit reporting agencies are responsible for ensuring that any derogatory account they report has been fully validated before adding it to a consumers credit file. 
I have disputed this charge-off directly with Experian, Equifax, and TransUnion, yet they failed to provide me with proof of any independent verification process conducted before or after placing this account on my report.

Without clear evidence that they conducted proper due diligence, they are violating FCRA Section 623, which mandates that all furnished data must be accurate and fully substantiated.

Inconsistent & Unverifiable Information Across Bureaus The charge-off account is reported differently across all three bureaus, with discrepancies in : Date of first delinquency Balance owed Account status and pay status Scheduled removal date If this information can not be verified with 100 % accuracy, the bureaus must remove it under FCRA Section 611.

Increased Risk of Identity Theft Due to a Confirmed Data Breach I received a formal notification from XXXXXXXX XXXX XXXX XXXXXXXX confirming that my personal and financial information was compromised in a data breach. 
Given that my sensitive financial data was exposed, the accuracy of any account linked to my identity must be questioned. 
The credit bureaus failed to take this breach into account when validating the information they received before reporting the charge-off, which is a serious compliance issue under FCRA Section 605B .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Subject : Formal Debt Validation Request & Cease and Desist Demand for Immediate Removal To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 for the validation of the alleged debt reported to my credit file.

I do not recognize this debt, and therefore, I am requesting full validation before any further collection attempts or credit reporting. Until proper validation is provided, you are required to cease all collection activity, including reporting this account to credit bureaus.

Debt Validation Demand Per 15 U.S.C. 1692g ( b ), I request the following documents as proof of this alleged debt : 1. A signed purchase agreement and contract proving that I agreed to this debt.

2. A full accounting of the debt, including itemized statements showing how the balance of {$320.00} was calculated.

3. Proof of assignment or ownership, including a signed contract proving that you legally purchased or were assigned this debt from the original creditor ( GEICO Indemnity Co. ).

4. A copy of any judgments, contracts, or agreements that legally authorize you to collect on this debt.

5. Proof that you are licensed to collect in my state, including your collection license number.

Cease and Desist Notice Until you provide the requested validation, I demand that you cease all collection activities under 15 U.S.C. 1692c ( c ), including : Reporting or verifying this account with credit bureaus.

Calling, emailing, or sending letters regarding this alleged debt.

Selling or transferring this account to another agency.

FCRA Violation & Required Action If you can not provide the full and complete validation as requested above, you must : 1. Immediately remove this account from all credit reporting agencies.

2. Cease all collection attempts permanently.

3. Provide written confirmation of deletion within 5 business days.

Failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Potential legal action under 15 U.S.C. 1692k for damages caused by your violations of federal law.

This is my final notice. If you do not comply, I will proceed with legal and regulatory actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX INQUIRIES : EQUIFAX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-02-21 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: PA

Complaint narrative:
Please ensure that the unauthorized accounts on my credit report are blocked and removed promptly. I did not open or authorize these accounts and do not recognize them. As stated in USC 1681g, I am officially requesting their removal within 15 days. Relevant documents are provided for your review.

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 2025-02-21 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I sent off certified letter On XX/XX/year> to the reporting dept collector Caine and Weiner asking for validation on acct XXXX also acct XXXX that competent evidence bearing my signature showing that have ever had some contractual obligation to pay Caine and Weiner that reporting one account two different times with two different account balances.The original creditor Progressive XXXX agency reported this as account as charge off and also written off. I never received a 1099-C form which is Cancellation of Dept or was notified this dept was beeping sold off multiple times. Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also 15 USC 1692e False or Misleading Representation and Section 623b Violations of the Fair Credit Reporting Act also section 807-8 Violation of the Fair Debt Collection Practices Act. I ask these two accounts be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The inaccurate and misleading reporting of thXXXX XXXX account ( # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and relevant laws, I demand an immediate investigation and deletion of this erroneous information. The reported credit limit is {$400.00}, yet the balance is {$730.00}, creating an unrealistic and damaging 100 % credit utilization rate. This reporting is inaccurate and must be corrected and or removed. 
The account is charged off, yet still showing a past due balance of {$730.00}. 
Per IRS guidelines ( 26 U.S.C. 6050P ), if XXXX issued a 1099-C for canceled debt, they forfeited their right to continue reporting the balance as owed.

If a 1099-C was issued, this account must be updated to reflect a XXXX balance and the past due amount removed immediately. 

No payment history is displayed, raising concerns about how this balance was calculated. If the creditor can not substantiate the balance with complete and accurate records, the entire account must be deleted.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-02-21 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 have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief