vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am formally disputing the accuracy of the following negative items which appear on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX / Charged off XXXX XXXX XXXX / XXXX / XX/XX/XXXX / Repossession XXXX XXXX XXXX XXXX / XX/XX/XXXX / Charged off XXXX / XXXX / XX/XX/XXXX / Written off XXXX XXXX XXXX / XXXX / XX/XX/XXXX / Written off Despite my attempts to correct these inaccuracies, the bureaus have continued to report them, which negatively impacts my creditworthiness. 

Pursuant to the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), please conduct a full reinvestigation within 30 days. If the information can not be verified as accurate, please delete or correct it promptly. Once complete, please provide me with a written statement of results and an updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and/or unverifiable information that I have attempted to resolve directly with the credit bureaus and/or data furnishers without success. Despite providing dispute letters and requesting verification in accordance with the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), the credit bureaus failed to conduct a reasonable investigation or provide sufficient documentation supporting the accuracy of the reported accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal/Venmo refuses to give me funds returned by a merchant. The merchant showed proof of having reversed the charge in full on XX/XX/year> ans venmo refuses to return it to my account and simply closed the dispute stating it was refunded. It has not been refunded at all. They disconnect chat without giving me any information and have repeatedly done so. They claim someone will contact me and never have in the 2 months of dealing with this. I simply want my money returned as they have no reason to withhold it. They repeatedly state they have no oversight and refuse to give any information to file a complaint. The debit card with venmo is held by XXXX but they refuse to tell customers this. They are withholding {$630.00} that was refunded by XXXX on XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 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 disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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
Consumer complaint received 2025-07-28 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:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent money through the app to my mother XXXX. to XXXX for the amount of {$1400.00}. Due to bureaucratic issues in XXXX back then, she could not receive the money to which I cancelled the transaction through the app. 
I initially contacted MoneyGram in XX/XX/XXXX regarding this transaction issue, and during that call, I was informed that an audit would be conducted to investigate ( audit ) the issue ( Case # XXXX ). 
In XX/XX/XXXX, I followed up on the status of the audit and was told that the process was still underway. 
Subsequently, on XX/XX/XXXX, I received an email from XXXX XXXX XXXX. stating that the audit had been completed, my funds had been located, and a refund would be issued within XXXX ( XXXX ) business days. 
However, despite this confirmation, I did not receive the promised refund. On XX/XX/XXXX, I contacted ( again ) MoneyGram again to inquire about the missing funds. Astonishingly, I was informed that the original case had been closed because it was solved, so I had to explain again to the agent the whole history case and a new case was opened regarding the non-receipt of the refund ( New Case/Transaction # XXXX ). 
After have been given conflicting information and have waited patiently for about six months since my initial contact I decided to email them to demand immediate action to rectify this situation and request a clear explanation for the continued delay and a definitive timeline for when I can expect to receive my full refund. 
On Sunday XX/XX/XXXX I proceeded to email the company a formal letter. 
On Monday, XX/XX/XXXX to my big surprise I received a reply from them to my formal complaint ( XXXX. Complaint Case # XXXX ) stating that Upon review, it appears your inquiry addressed to MoneyGram has been resolved. You were already assisted by our representative about the transaction with authorization number XXXX XXXX XXXX XXXX XXXXXXXX. 

Therefore, I did my final attempt to solve this case by writing them an email on Tuesday XX/XX/XXXX stating that first, they never provided me with an Authorization Number ( according to their email on XXXX they said they were going to reimburse the money directly to my Bank Account ) and second, I demanded them to audit/track that money ( AGAIN ) that they claimed they reimbursed me with that Authorization Number. I requested a time frame when my money will be reimbursed to which I never heard from them again to this date ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A bankruptcy is reporting inaccurately on my credit reports. I am requesting it be removed from my credit report. I have already requested the same from your information provider, XXXX XXXX. This inaccurate bankruptcy has already been removed from one of the other credit bureau 's reports so far, so I am requesting that you follow suit. The bankruptcy court has already been contacted. Included is the letter from the bankruptcy court verifying that they did not furnish this information with the credit bureaus or XXXX XXXX. Credit bureaus must be able to verify any debts or judgements listed by the original creditor or furnishers. The credit bureaus are claiming XXXX XXXX furnished this information. The bankruptcy court has verified that they did not furnish this information to XXXX XXXX or the credit bureaus. The Fair Credit Reporting Act requires that credit bureaus validate information with the original creditor and remove any information that can not be validated. Please remove this inaccuracy immediately and also provide an updated XXXX XXXX report showing it has been removed. 

I have already contacted this credit bureau regarding this matter. My credit reported was not updated. You also did not provide your method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-07-28 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
My XXXX XXXX XXXX daughter thought she was ordering a prom dress from a real online retailer, she saw a dress she liked so she paid for it with her cash app card. When I realized that that wasn't the company 's website and it was a knock off of the companies website we quickly contacted the seller. The seller asked for my daughter measurements like they have to make the dress so she responded with the prom two weeks away. We realize that the seller wasn't going to send a dress out or make a dress and so we brought up the website and read some reviews and found out it was a scam website. My daughter quickly responded to any messages from the seller. She also let the seller know that she wanted a refill for her money. We requested the money numerous times, but the seller gave an excuse and so is the website. Cash app has declined her claim numerous times even though we provided all the information so I'll report them to the XXXX. They haven't responded to the XXXX  and we have not gotten a response back from the XXXX. This is not cash apps ( XXXX XXXX ) money this is money gifted from my daughters father to cash app to but a dress from prom. Once we knew we were not going to receive a dress from the seller we went to the mall and bought a dress and then she log back in and let the seller know that she bought a dress we want her money back. 
The seller made an excuse of how they don't make money on the website but that means absolutely nothing. They need to refund her money because she's out of our money and she has no dress or product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX  balance {$420.00}, resurgent XXXX funding balance {$400.00}, XXXX XXXX XXXX balance {$3900.00}, XXXX XXXX  balance {$94.00}, XXXX  XXXX balance {$0.00}, XXXX  XXXX XXXX XXXX {$820.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$510.00}, XXXX XXXX XXXX  balance {$420.00}, resurgent XXXX funding balance {$400.00}, XXXX XXXX XXXX balance {$3900.00}, XXXX XXXX  balance {$94.00}, XXXX  XXXX balance {$0.00}, XXXX  XXXX XXXX XXXX {$820.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 writing to formally dispute inaccurate and/or unverifiable information currently listed on my TransUnion credit report dated XX/XX/XXXX ( XXXX XXXX : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation and removal of the following accounts due to errors that are not reporting 100 % accurately : XXXX XXXX XXXX * * This account shows a : XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX These items are not reporting 100 % accurately. Please investigate and remove them under FCRA Section 611. 

XXXX XXXX XXXXXXXX XXXX XXXX  This account shows a : XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX These items are not reporting 100 % accurately. Please investigate and remove them under FCRA Section 611. 

XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  This account shows a : XXXX late payment from XX/XX/XXXX This item is not reporting 100 % accurately. Please investigate and remove it under FCRA Section 611. 

XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX This account shows a : XXXX late payment from XX/XX/XXXX This item is not reporting 100 % accurately. Please investigate and remove it under FCRA Section 611. 

I respectfully request that you conduct a thorough reinvestigation of these items and remove any inaccurate or unverifiable information within the XXXX period required by law. Please send me a copy of the updated credit report reflecting the changes once your investigation is complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
In XX/XX/XXXX, I received notifications from XXXX XXXX XXXX about a balance of {$160.00} for an account linked to an address on XXXX XXXX in XXXX  XXXX XXXX, where I have never lived. I have never had XXXX XXXX XXXX services at any location. Despite multiple phone calls to XXXX XXXX XXXX in XX/XX/XXXX, during which they acknowledged the error and assured me that I did not owe anything, the account was eventually sent to collections. Sunrise Credit Services became involved in XX/XX/XXXX, requesting proof of residency and identification, implying potential identity theft. The core issue is that I never had any account at that address. I am requesting that this erroneous account be removed from my credit report 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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/year>, I discovered that two bank accounts had been fraudulently opened in my nameone with Wells Fargo and one with XXXX XXXX XXXX. I did not apply for or authorize the opening of either account. These accounts were opened without my knowledge or consent and appear to be the result of identity theft. 

Upon learning of the fraudulent activity, I contacted both financial institutions to report the issue and request that the accounts be closed and any related records removed from my name. I am also in the process of filing reports with the Federal Trade Commission and credit bureaus to formally document the identity theft and prevent further misuse of my personal information. 

I am not responsible for these accounts or any transactions associated with them. I am requesting that both institutions investigate and take immediate action to remove the fraudulent accounts from their records and confirm that no adverse action will be taken against 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