vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
Violations are : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The Consumer Financial Protection Bureaus recent enforcement actions demonstrate the consequences of sham investigations and non-compliance. Your continued inaction places TransUnion LLC at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the XXXX  and XXXX  XXXX, remain on my credit report despite repeated disputes and supporting documentation : XXXX. { XXXX XXXX. Account XXXX : Balance : {$5000.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX. Account # XXXX : Balance : {$2000.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX. Account # XXXX : Balance : {$1800.00}. Fraud Established : XXXX XXXX } XXXX. XXXX XXXX XXXX XXXXXXXX. Account # XXXX : Balance : {$2000.00}. Fraud Established : 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: OK

Complaint narrative:
I opened a secured credit card with U.S. Bank in XXXX, XXXX  and deposited {$300.00}. I was told by U.S. Bank that after 12 months of responsible use, my account would be reviewed for graduation to an unsecured credit card. In fact, I distinctly remember receiving two separate emails from U.S. Bank stating that my account would be reviewed in XX/XX/XXXX. 

When XXXX came, I had still not heard anything from them, so I called in. I was eventually connected to a supervisor who told me she would go ahead and process that implying she was handling the secured graduation internally. This gave me the impression that I was finally being reviewed or approved for graduation. 

However, I later found out she had not reviewed my secured account at all she had simply submitted a completely separate application for a new unsecured credit card. Thats something I could have done myself online. I called to follow up and was met with vague, scripted responses, and still no update on my original card. 

Its now XXXX, and Ive received no formal communication, my original secured card still hasnt been reviewed as promised, and my {$300.00} deposit is still being held with no clear resolution. This entire process has been confusing, misleading, and a complete waste of time. They do not provide an email address so we can not email them. It seems they do not want to leave any paper trail or written documentation of our interaction with them. However, anytime I call, a large amount of my time is wasted being put on hold, to eventually speak with a rep who reiterates the same, unhelpful response. My money is essentially being held hostage at this, and this is turning into nothing but fraudulent behavior on their part. 

The biggest question Im left with is this : What was the point of building credit with U.S. Bank for a full year, if I would just be treated like a new customer anyway? That defeats the entire purpose of having a secured card and undermines the trust customers place in their graduation process. 

Furthermore, those two original emails promising a XXXX review have completely disappeared from my inbox yet all my other emails from U.S. Bank are still there. I strongly suspect that they may have deleted or retracted those messages from their system to avoid accountability. I am asking that they be required to produce those emails and explain the delay and misleading actions taken by their supervisor.

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 2025-07-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I had reported my card lost to XXXX XXXX XXXXXXXX because I did indeed lose it. I called on the XXXX of this month to receive an update on when I would receive my replacement card. I was told by Wednesday, the XXXX, my card should arrive. It did not. I reached out and they issued a new card. The woman on the phone verified the address with me. I called again after about a week of waiting and spoke to a gentleman who said my card was sent to the wrong address. He confirmed the address with me but he said it was sent to a different address. How does that even happen? My address has always been correct. Ive gotten a card mailed from XXXX XXXX to this address before with no problem before this whole situation. Anyways, he told me it would arrive by this past Monday, the XXXX. I asked for it to be expedited and they charged me {$24.00} for a card I have yet to receive and its now the XXXX. I could not pay my electric bill on time this month due to this and now I might be behind on rent due to this as well. I am beyond frustrated I am literally shaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
This is about cashapp. My mom sent me money though cashapp. Someone hacked my account using an XXXXXXXX XXXX XXXX XXXX XXXX They also ordered a debit card from cashapp on my account. I spent over an hour explaining this to a representative. She assured me that everything would be taken care of. Cashapp ruled that I authorized the transaction. I did not authorize the transaction. I have no use for gaming cards as I don't even play games online. They refused to refund the money stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There are multiple hard inquiries on my credit report that I did not authorize. I did not apply for credit or request any services from the companies that made these inquiries. I submitted a dispute to the credit bureau about XXXX  months ago, but the inquiries remain on my report. These unauthorized inquiries are negatively impacting my credit score. I am requesting that these inquiries be investigated and removed immediately, as I did not give permission for them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is a second request to you based on Wells Fargos decision that there was no fraud 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 monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
This letter serves as a formal dispute regarding unauthorized hard inquiries placed on my consumer credit report. I did not grant consent, nor is there a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, for your organization to access my credit information.

Your actions violate the following provisions : 15 U.S.C. 1681b ( f ) : Consumer reports may only be accessed for legally permissible purposes.

15 U.S.C. 1681e ( a ) : Requires proper certification of intent to the Consumer Reporting Agency.

15 U.S.C. 1681q : Prohibits obtaining credit information under false pretenses.

18 U.S.C. 1028A : Addresses aggravated identity theft and unlawful use of personal identifying information. 

Damage and Impact Due to this unauthorized inquiry, I have experienced denial of credit and a drop in my credit score. I am requesting immediate correction.

Resolution Requested Permanent removal of the unauthorized inquiries from my credit report.

Written confirmation of the removal and corrective actions taken.

Monetary settlement of {$1000.00} for damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), payable within 30 days via certified funds.

If this issue is not resolved, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. 

List of Inquiries to Be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
This letter serves as a formal dispute regarding unauthorized hard inquiries placed on my consumer credit report. I did not grant consent, nor is there a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, for your organization to access my credit information.

Your actions violate the following provisions : 15 U.S.C. 1681b ( f ) : Consumer reports may only be accessed for legally permissible purposes.

15 U.S.C. 1681e ( a ) : Requires proper certification of intent to the Consumer Reporting Agency.

15 U.S.C. 1681q : Prohibits obtaining credit information under false pretenses.

18 U.S.C. 1028A : Addresses aggravated identity theft and unlawful use of personal identifying information. 

Damage and Impact Due to this unauthorized inquiry, I have experienced denial of credit and a drop in my credit score. I am requesting immediate correction.

Resolution Requested Permanent removal of the unauthorized inquiries from my credit report.

Written confirmation of the removal and corrective actions taken.

Monetary settlement of {$1000.00} for damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( B ), payable within 30 days via certified funds.

If this issue is not resolved, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action. 

List of Inquiries to Be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-07-31 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentinquiries below. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-07-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/2025 Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : The XXXX XXXX XXXX Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Creditor Name : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-31 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company 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