vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} INQUIRIES : XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MD

Complaint narrative:
This agency is falsely reporting a XXXX XXXX  XXXX bankruptcy on my record. Attached is a letter from US Bankruptcy courts stating they do not report or verify information in regards to any court records.

This agency is falsely reporting this public record on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT. 1. ) XXXX XXXX DATE OPENED XX/XX/XXXX. 2. ) XXXX XXXX XXXX DATE OPENED XX/XX/XXXX.... COLLECTION ( S ) 3. ) XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX. THESE ERRORS ARE ILLEGAL & UNETHICAL. EQUIFAX & ALSO ABOVE CREDITORS HAVE FAILED TO PEROFORM LEGAL INVESTIGATIONS OF ACCOUNTS LISTED MULTIPLE TIMES. THIS HAS BEEN EXTREMELY DAMAGING TO ME & MY WELL-BEING. REMOVE THESE ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
An email from Shepherd Outsourcing was sent to me on XXXX XXXX XXXX XXXX in regards to a debt. Original debt was to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Subject : Inaccurate Credit Reporting of Paid Collection Request for Removal To Whom It May Concern, I am filing this complaint regarding a paid collection account in the amount of {$360.00}, originally from XXXX XXXX XXXX and currently being reported by Fair Collections and Outsourcing ( FCO ). 

This account was paid in full over two years ago, yet it continues to appear as an active collection on my credit reports. In addition, it is beyond the four-year statute of limitations for collection in the state of Texas, making the continued reporting legally questionable and unnecessarily damaging to my credit. 

I have contacted both the credit bureaus and the collection agency, but the issue has not been resolved. 

I am requesting full removal of this account from all credit reporting agencies. I ask that this matter be fully resolved within seven ( 7 ) business days from the date of this complaint, due to the financial harm it continues to cause me. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Over my XXXX plus years as a Chase Bank customer, they have charged me {$34.00} fee for overdraft or no sufficient funds many times. I would dispute some but for the most part I have let it go in the past and just let them have the Fees and I would suffer with a negative account until I can fix the issue. 
However, the most recent time they charged me the {$34.00} fee, I can no longer afford to let them have it. I just got discharged from my XXXX XXXX XXXX and trying to pay all my bills on time. And I just can not afford to pay these fees. 

Please ask Chase Bank to refund me all of the fees that they have charged me. I can only provide proof from XXXX to present. But if they have my entire account, please ask them to go through it and pay me back. 

XXXX year to date overdraft fees XX/XX/XXXX, 29 total of 6 times. $ XXXX = {$200.00} XXXX XXXX total of 5 times $ XXXX = {$170.00} XXXX  year to date overdraft fees XX/XX/XXXX XXXX time {$34.00} XX/XX/XXXX XXXX time {$34.00} XXXX XXXX total of 3 times $ XXXX = {$100.00} XX/XX/XXXX and XXXX total of 6 times $ XXXX = {$200.00} XX/XX/XXXX total of 1 times {$34.00} XXXX  year to date overdraft fees XX/XX/XXXX to be time {$34.00} XX/XX/XXXX XXXX time {$34.00} XXXX year to date XX/XX/XXXX total of 2 times $ XXXX {$68.00} XX/XX/XXXX total of 3 times $ XXXX = {$100.00} XX/XX/XXXX total of 2 times $ XXXX = {$68.00} XXXX XXXX total of 5 times $ XXXX = {$170.00} XX/XX/XXXX total of 2 times $ XXXX = {$68.00} XX/XX/XXXX total of one time {$34.00} Please be advised that these are all the fees that I did NOT get refunded by Chase . 
I can provide the bank statements of necessary, but I know Chase bank has access to them too. So they can find the proof themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
During the week of XX/XX/year> and the few days preceding XX/XX/year>, I made numerous calls to PNC Bank re : how to pay off my current balance on the HELOC and one of their customer service rep told me, I need to mail a check of {$200.00} to pay off the loan, and after being asked, she also confirmed that's all I needed to pay incl. all fees. I mailed the check on XX/XX/year> and the check was cashed on XX/XX/year>. 

On XX/XX/XXXX, I called PNC payoff department ( XXXX ) to confirm the payoff status of my loan, the loan analyst had to check and email me back after she performed her checks. I received an email on XX/XX/year> stating I somehow still owed {$0.00} in interest. 

I then received in the mail a letter on XX/XX/year> saying a finance charge of {$200.00} ( with a minimum payment of {$190.00} ) was been placed on my account for 'interest fixed rate lock ', which was never mentioned to me during the payoff process. I contacted PNC again via their customer service number to inquire about the charge and they assured me on the phone that it was an error and I can ignore the letter as my principal balance has been paid off. 

Now I've received a letter today stating my account is past due and will be closed. I called the PNC branch where the loan was originated and they claim I owe {$200.00} in interest. 

Throughout this entire process, no transparency or consistency has been provided and I kept getting conflicting information re : amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 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 explanation
Consumer complaint received 2025-06-16 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXXc-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-16 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) 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 2025-06-16 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPT OF ED/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX ] Account Number : [ 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 2025-06-16 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXXc-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX INQUIRIES : XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX Date : 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account listed as XXXX appears on my credit report with derogatory remarks despite being closed and holding a {$0.00} balance. I never authorized continued reporting of this account, and no proof of lawful furnishing has been provided. 

I formally requested its deletion under FCRA 609 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ). The credit reporting agency responded with a generic form letter but failed to verify the account with original signed documents.

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 2025-06-17 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: OK

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 605B 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 explanation
Consumer complaint received 2025-06-17 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: OK

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 605B 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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The rep told me that splitting the next payment into XXXX payments would prevent a XXXX late report on my credit, and place the next payment at the end of the loan which would get me caught up. I now have XXXX late each month since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: NH

Complaint narrative:
I called and could not get a department to take my do not call request. They do not have a process for this request and they are a large company. They call me daily and I want it to stop and I talked to someone that collected the information and I still get calls daily and I got one while I was typing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
RE : DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED HARD INQUIRIES SSN : XXXX DOB : XXXX To Whom It May Concern, This letter is a formal demand under my rights granted by the Fair Credit Reporting Act ( FCRA ), to dispute and request the immediate deletion of the following unauthorized hard inquiries from my TransUnion credit report : List of Disputed Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> & XX/XX/year> XXXX XXXX XXXX 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> I did not authorize these inquiries. Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with written authorization. I have not provided such authorization for these entities to access my credit file.

As per 15 U.S.C. 1681i, I am exercising my right to dispute inaccurate or unauthorized information. I demand that TransUnion : 1. Conduct an immediate reinvestigation of each listed inquiry.

2. Provide me with documentation that verifies my explicit written consent for each hard inquiry.

3. Delete any inquiries that can not be fully verified with proof of permissible purpose.

If these inquiries are not removed within 30 days, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office.

I expect written confirmation that the unauthorized inquiries have been removed. 

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 2025-06-16 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:
The personal information on my credit report were outdated.

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and XXXX  XXXX, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation