vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OR

Complaint narrative:
I want to know about where my cash app settlement is I've been waiting and been sitting here waiting for it for a long time and people been giving me the runaround about it and now to the point where I'm getting a frustrated about it now I feel like people are trying to beat around the bush

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  GA XXXX c/o [ XXXX, without the U.S. ] SSN : XXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion send one letter to each, separately ] Subject : Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act To Whom It May Concern, I, XXXX XXXX XXXX XXXX XXXX a XXXX XXXXXXXX XXXX and natural living being, am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Name Accuracy in Credit Reporting Act of 2023, to demand the immediate correction of my personal identifying information within your records. 

This letter constitutes Lawful Notice and Demand to correct all credit records to reflect my proper and lawful appellation : Correct Appellation : XXXX XXXX XXXX XXXX XXXX immediately and expeditiously, any and all past misnomers, including but not limited to : * XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX * Any ALL-CAPS derivatives are inaccurate and do not reflect my lawful status or identity as a XXXX XXXXXXXX XXXX XXXX Their continued use constitutes misrepresentation and must be corrected immediately. 

I formally demand that your office : 1. Update all credit records to reflect the accurate legal name : XXXX XXXX XXXX XXXX 2. Remove any erroneous, incomplete, or outdated name variations 3. Confirm in writing that the updates have been completed, as required within 30 days under federal law Enclosures : * Rcorded Name Declaration or supporting affidavit * NationalityIssued Identification * Proof of mailing location ( e.g., recent utility statement ) XXXX XXXX  Credit Report Proof Of Incorrect Names Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and/or further legal action for willful non-compliance, misidentification, or violation of consumer rights under federal statutes. 

Respectfully in Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX [ XXXX ] Georgia Republic [ 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  GA XXXX c/o [ XXXX, without the U.S. ] SSN : XXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion send one letter to each, separately ] Subject : Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act To Whom It May Concern, I, XXXX XXXX XXXX XXXX XXXX a XXXX XXXXXXXX XXXX and natural living being, am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Name Accuracy in Credit Reporting Act of 2023, to demand the immediate correction of my personal identifying information within your records. 

This letter constitutes Lawful Notice and Demand to correct all credit records to reflect my proper and lawful appellation : Correct Appellation : XXXX XXXX XXXX XXXX XXXX immediately and expeditiously, any and all past misnomers, including but not limited to : * XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX * Any ALL-CAPS derivatives are inaccurate and do not reflect my lawful status or identity as a XXXX XXXXXXXX XXXX XXXX Their continued use constitutes misrepresentation and must be corrected immediately. 

I formally demand that your office : 1. Update all credit records to reflect the accurate legal name : XXXX XXXX XXXX XXXX 2. Remove any erroneous, incomplete, or outdated name variations 3. Confirm in writing that the updates have been completed, as required within 30 days under federal law Enclosures : * Rcorded Name Declaration or supporting affidavit * NationalityIssued Identification * Proof of mailing location ( e.g., recent utility statement ) XXXX XXXX  Credit Report Proof Of Incorrect Names Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and/or further legal action for willful non-compliance, misidentification, or violation of consumer rights under federal statutes. 

Respectfully in Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX [ XXXX ] Georgia Republic [ 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I reviewed my credit report on XX/XX/year> and saw a collection that I was unaware of, I contacted Sterling Jewelers on XXXXXXXX XXXX XXXX and spoke with them for half an hour, they replied that they didn't know or have my information. 
XXXX XXXX XXXX presented a letter to me on XX/XX/year> ( per last complaint ) but they were already in violation of Regulation F by not speaking to me in person or by phone, only to say they mailed me a letter on XX/XX/year> when they reported to the credit agencies prior to mailing letter, not giving me 14 days to reply. 
I have phone records and screenshot as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint againstExperian, Equifax, and TransUnionfor their repeated failure to correctinaccurate personal informationon my credit reports, in violation of theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Incorrect Information on My Credit Reports : The followingphone numbers and addressesdo not belong to meand have never been associated with me. Yet, they continue to appear on my credit reports despite multiple disputes : Incorrect Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA : 1. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) I have disputed these inaccuraciesmultiple times ( via [ online disputes/mail/phone ] on [ dates if known ] ), yet the credit bureaus havefailed to correct or removethe information. 

2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The credit bureaus are required to maintain reasonable procedures to ensure maximum accuracy, yet they continue to report data that does not belong to me. 

3. Potential Identity Mixing/Identity Theft Risk These inaccuracies suggest that my credit file may bemixed with another consumers, increasing my risk of fraud or denied credit applications. 

Demands for Correction : 1. Immediate removalof all incorrect phone numbers and addresses listed above. 
2. Confirmation in writingthat these inaccuracies have been deleted. 
3. A detailed explanationof why these errors were not corrected in previous disputes. 
4. A free copy of my updated credit reportto verify corrections.

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 2025-04-18 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: GA

Complaint narrative:
I am filing a formal complaint againstExperian, Equifax, and TransUnionfor their repeated failure to correctinaccurate personal informationon my credit reports, in violation of theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Incorrect Information on My Credit Reports : The followingphone numbers and addressesdo not belong to meand have never been associated with me. Yet, they continue to appear on my credit reports despite multiple disputes : Incorrect Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA : 1. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) I have disputed these inaccuraciesmultiple times ( via [ online disputes/mail/phone ] on [ dates if known ] ), yet the credit bureaus havefailed to correct or removethe information. 

2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The credit bureaus are required to maintain reasonable procedures to ensure maximum accuracy, yet they continue to report data that does not belong to me. 

3. Potential Identity Mixing/Identity Theft Risk These inaccuracies suggest that my credit file may bemixed with another consumers, increasing my risk of fraud or denied credit applications. 

Demands for Correction : 1. Immediate removalof all incorrect phone numbers and addresses listed above. 
2. Confirmation in writingthat these inaccuracies have been deleted. 
3. A detailed explanationof why these errors were not corrected in previous disputes. 
4. A free copy of my updated credit reportto verify corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 


As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
I was scammed by a company called XXXX. They charged my credit card {$5000.00} without my consent. I was told they only needed a card on file and that it would not be charged for 90 days. 

After discussing the company with a friend, he informed me that it might be a scam and advised me to research them. Upon doing so, I decided not to move forward with appearing on their podcast. I informed XXXX of my decision, and shortly after, they charged my card {$5000.00}. 

They then claimed it was a money-back guarantee, but I never agreed to any services or charges. I made several attempts to resolve the issue directly with them and request a refund, but I was unsuccessful. As a result, I disputed the charge through my U.S. Bank credit card. 

However, U.S. Bank denied my dispute, stating that I had signed a contractwhich I did not. I never signed anything, nor did I receive or participate in any services from XXXX. I am requesting a full refund of the {$5000.00} for this unauthorized charge. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-18 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: MD

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX * * * * - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
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. 
XXXX XXXX XXXXXXXX

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 2025-04-18 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 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. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/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