vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - Balance : {$460.00} - Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$780.00} - Account # : XXXXXXXX XXXX XXXX - Balance : {$14000.00} - Account # : XXXXXXXX XXXX XXXX - Balance : {$180.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-05-24 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : 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 XXXXXX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : 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 XXXXXX/XX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I recently reviewed a copy of my Experian, Equifax and Transunion credit reports, and I noticed some inaccurate information on my credit report : The following personal information is reported incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX,, XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

EMPLOYER - XXXX  - The following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 

XXXX - XXXX - XXXX following information is Outdated, Please remove it from my credit Report - This employer information does not belong to me. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you, 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 2025-05-24 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: FL

Complaint narrative:
On XX/XX/year>2025 I received an email from Cashapp notifying my one of my transfers was flagged for potential activity that would violate XXXX sanctions against XXXX. The transfer in question was for {$100.00} to a woman I know from my ministry. I put " XXXX loves XXXX '' in the memo. Cashapp explained the problems and asked clarifying questions. I answered all questions honestly and asked Cashapp to view my transfer history, where I often use the memo " XXXX loves ___ '' in reference to a conversation or trip someone is taking. 
A couple days later I noticed my account was locked to any transfers. Money was still able to be received but not sent or cashed out to my own account. 
I contacted Cashapps in-app support numerous times to ask what was being done to resolve the issue but was told every time the case had been escalated and they were diligently working on it. I also contacted Cashapps phone support but was told there was nothing else they could do and there was no higher level of authority I could speak with. All responses were the same, canned answers. 
I asked for the transaction in question to be cancelled and also asked for my account to be closed so I could access the almost {$1000.00} that was in it but was told that couldn't happen until the investigation was compete. 
On XX/XX/XXXX, Cashapp emailed me again and asked me the same question they asked me on XX/XX/XXXX. I answered them immediately and again referred them to my transfer history to prove this memo was a pattern of mine when giving gifts, there was no restriction on the funds and absolutely no intention of the funds being sent to anyone in XXXX. 
Cashapp has indicated on each email that I was required to respond within 48 hours to avoid any adverse action on my account and yet, they took 17 days to respond the first time and it has been 4 days since their 2nd email.

I understand there is a due diligence Cashapp is subject to regarding US laws and sanctions. My issue is with their refusal to inform me of the process and repeating questions I have already answered. If they were actively working on this issue, it would have been resolved in 5 minutes. I have no ties to XXXX or anyone who lives there. My transfer history supports my truthful response that there was no unlawful intention on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
my information was exposed in date breach and fraudulent account were open and fraudulent inaccurate information are reporting on my credit report. i have requested that they provide me with purchased agreement to show full ownership of the accounts and also supporting documents so i may review XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 explanation
Consumer complaint received 2025-05-24 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: EdFinancial Services
State: GA

Complaint narrative:
Violation of FERPA laws. My my personal and financial data was compromised and breached without my authorization which violates multiple federal laws. My rights have been severly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint against TransUnion for failing to provide access to my credit report and credit score, despite repeated attempts over several months. 

I have tried to obtain my report through XXXX, the TransUnion website, and the mobile app. Every time I attempt to access my report or score, I receive the same error message : Your report is temporarily unavailable. Please call us. 

I have called multiple times and followed their instructions. I've signed out and back in, I've deleted cookies, I've tried different browsers ... nothing. I have also sent emails and tried to reach out via social media to resolve this issue. To date, I still can not access my report or score. I am locked out of critical information that directly affects my financial standing. 

This is unacceptable. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to provide consumers with access to their reports, particularly through XXXX, which is the official source. 

Despite following every proper channel and exercising patience, TransUnion has failed to comply with their obligations to provide me with access to my own credit data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CT

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: MD

Complaint narrative:
CHIME - XXXX XXXX  has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so CHIME - XXXX XXXX  does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report, these remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 non-monetary relief
Consumer complaint received 2025-05-24 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:
b'I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus Delete all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be deleted from my credit report below.\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\nXXXX XXXX  Balance Owed: XXXX\nXXXX XXXX XXXX XXXX  Balance Owed: $XXXXnXXXX XXXX XXXX XXXX Balance Owed: $XXXXnXXXX XXXX XXXX Balance Owed: XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX XXXX XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX Balance Owed: $XXXX\nXXXX XXXX XXXX Balance Owed: $XXXX\nXXXX XXXX XXXX Balance Owed: $XXXX  - XXXX XXXX\nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \n\nXXXX XXXX XXXXXXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX  \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
b'I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus Delete all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be deleted from my credit report below.\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\nXXXX XXXX  Balance Owed: XXXX\nXXXX XXXX XXXX XXXX  Balance Owed: $XXXXnXXXX XXXX XXXX XXXX Balance Owed: $XXXXnXXXX XXXX XXXX Balance Owed: XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX XXXX XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX Balance Owed: $XXXX\nXXXX XXXX XXXX Balance Owed: $XXXX\nXXXX XXXX XXXX Balance Owed: $XXXX  - XXXX XXXX\nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \n\nXXXX XXXX XXXXXXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX  \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX 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 2025-05-24 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: AZ

Complaint narrative:
my personal information has been leaked on all of the credit bureaus sites Equifax, Experian and TransUnion. I have started getting so many alerts about my information being used and on the dark web. I have already been a victim of fraud a few times. I have received lots of stuff in the mail and email about my data being breached. this stuff is becoming overwhelming, and I want it to stop now. I have reached out to the different bureaus about stuff on my credit report and fraud. my personal information has been breached so many times I just can't figure it out. please provide assistance. I have requested negative things be removed from credit report and nothing was ever done, I'm pretty sure I paid for the service at some point and no results!!!

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