vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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 is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a collection account being reported by XXXX. I do not recognize this debt, and I have never received any statement, bill, validation letter, or notice identifying the original creditor or the nature of the alleged account.

XXXX  is reporting a balance of approximately {$3000.00}, with an opened date of XX/XX/year>. My credit report shows no original creditor, no account history, no contract, no date of first delinquency, and no proof that this company owns or has rights to collect this debt. The tradeline simply lists XXXX  with incomplete and inaccurate information.

This violates : FDCPA 1692g ( a ) failure to provide required validation information FDCPA 1692g ( b ) reporting a debt that has not been validated FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681i unverifiable information being reported FCRA 1681s-2 ( a ) reporting information known to be inaccurate I do not owe this debt, and the collection company has not provided any documentation that this debt belongs to me. Because the company has never provided validation and can not identify the original creditor, this collection account is inaccurate, incomplete, and unverifiable.

I am requesting the CFPBs assistance in having this collection removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
I, XXXX XXXX, a

m submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I need help with Nelnet student loans which are not valid and i need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-12-01 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: VA

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the following accounts that have been inaccurately reported : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance : {$0.00} XXXX - XXXX, opened XX/XX/XXXX, balance : {$1700.00} XXXX XXXX - XXXX, opened XX/XX/XXXX, balance : {$180.00} XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance : {$930.00} XXXX XXXX XXXX  opened XX/XX/XXXX, balance : {$41.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am requesting an investigation into the following information being reported on my Experian file. Items listed below appear inaccurate, unverifiable, or improperly reported. Under the Fair Credit Reporting Act, I am requesting full validation or removal. 

CHARGED OFF ACCOUNTS ( EX ) XXXX Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1600.00} This reporting appears inaccurate. Please verify all information being furnished. 

INQUIRIES ( EX ) XXXX XX/XX/XXXX I do not recall authorizing this inquiry. Please provide documentation showing permissible purpose. 

POSITIVE ( EX ) ( No positive accounts listed for review. ) LATE PAYMENTS ( EX ) I dispute the following late payment entries due to inaccuracies, duplicate reporting, and inconsistent history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts listed ( multiple inconsistent account numbers ) These entries are conflicting, and I request a thorough validation.

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 2025-12-01 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-01 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: VA

Complaint narrative:
I am filing this complaint because multiple items on my credit reports appear to be inaccurate, unverified, or reported in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation by each credit bureau and verification directly from the furnishers. If the accounts can not be verified with complete and accurate records, I am requesting correction or removal. 
XXXX Accounts I dispute the following derogatory accounts as inaccurate or unverified. Please conduct a full reinvestigation : XXXX XXXX Acct : XXXX, XX/XX/XXXX, {$960.00} Bank XXXX XXXX Acct : XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX ( XXXX ) Acct : XXXX, XX/XX/XXXX, {$3200.00} XXXX XXXX XXXX Acct : XXXX, XX/XX/XXXX, {$380.00} I request that Experian provide verification from each furnisher or remove the accounts. 

Inquiries There are no inquiries I am disputing with Experian.

Late Payments I dispute the late payment reporting for : Dept. of Education / XXXX  Acct : XXXX Please verify this information with complete payment records. If the furnisher can not validate the delinquency, it must be corrected or removed. 

Positive Accounts I have an account listed as EXTRA under positive accounts. I am confirming that this account is accurate and should remain unchanged.

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 2025-12-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-12-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App denied my fraud dispute without providing any evidence to support the denial. 

I disputed several in-store transactions that I did not make and did not authorize. Cash Apps denial message stated that the transactions were authorized by me or someone I allowed to use my credentials, but they provided no proof that I authorized them or that I gave anyone access to my account. 

I still have my card, I did not give anyone permission to use it, and I was not present at the merchant locations on the dates of these charges. 

Cash App closed the dispute using a generic template response rather than conducting a proper investigation or providing documentation. They did not supply XXXX XXXX, transaction method ( chip, swipe, or key-entered ), retrieval documentation, or any form of verification that would justify a denial under standard dispute rules. 

I am requesting CFPB assistance in requiring Cash App to properly handle the dispute and issue a refund for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am disputing the following accounts and inquiries reported under my Experian credit file. These accounts either contain inaccurate information or can not be verified. I am requesting that these items be investigated and corrected or removed as per the requirements of the FCRA. 

Charged Off XXXX XXXX XXXXXXXX, Account No. XXXX, XX/XX/XXXX, Balance : {$230.00} XXXX XXXX, Account No. XXXX, XX/XX/XXXX, Balance : {$500.00} Inquiries XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payment XXXX  XXXX, Account No. XXXX XXXX XXXX XXXX, Account No. 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 2025-12-01 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: PA

Complaint narrative:
Re : Removal of Unauthorized Hard Inquiries and Mandatory Address Correction To Whom It May Concern, I am submitting this formal dispute to challenge unauthorized and unverified hard inquiries reporting on my credit file, as well as your continued failure to update my correct address despite multiple submissions of valid identification and proof of residency. These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ), no entity may access my consumer report without explicit, verifiable authorization. None of the companies responsible for the inquiries listed have provided signed applications, E-Sign compliant consent, IP logs, timestamps, or any legally acceptable documentation proving permissible purpose. Therefore, these inquiries are unlawful and must be deleted. 
The following categories of unauthorized inquiries must be removed : Auto lenders and dealerships using shotgun credit pulls Credit card issuers lacking signed or digital authorization Business-purpose inquiries improperly reported on personal credit Additionally, the only correct address that should appear on my credit file is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX 
Under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( A ), you are required to correct inaccurate identifying information and remove unverifiable or incorrect addresses. I have already provided valid documents confirming my identity and residence, yet incorrect addresses remain, which is a direct violation of the FCRA

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 2025-12-01 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: VA

Complaint narrative:
I am filing this complaint because multiple items on my credit reports appear to be inaccurate, unverified, or reported in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation by each credit bureau and verification directly from the furnishers. If the accounts can not be verified with complete and accurate records, I am requesting correction or removal. 
Charged-Off Accounts I dispute the accuracy of the following charged-off and derogatory accounts : XXXX XXXX Acct : XXXX, XX/XX/XXXX, {$960.00} XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XX/XX/XXXX, {$1700.00} XXXX XXXX ( XXXX XXXX Acct : XXXX, XX/XX/XXXX, {$3200.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX, {$380.00} Some details appear incorrect and require verification. If TransUnion can not verify all information, I request removal. 

Inquiries There are no inquiries I am disputing with TransUnion. 

Late Payments I dispute the following late payment entries : Dept. of Education / XXXX  Acct : XXXX XXXX  XXXX Acct : XXXX I request that TransUnion obtain complete validation of the reported delinquencies. If the furnishers can not provide full documentation proving the accuracy of these late payments, these items must be corrected or deleted.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2025-12-01 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: AL

Complaint narrative:
I am disputing the following inquiry listed on my Experian credit report, as I did not authorize this inquiry nor do I believe it was for a legitimate reason. Please investigate and remove the inquiry listed below : XXXX XXXX XXXX XX/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 2025-12-01 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 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 response to consumer: Closed with explanation