vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-19 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: TN

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 2025-11-19 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 My XXXX XXXX was close to XXXX. Since my wife 's Passing everything is been inaccurate. I looked at my experience and noticed some things on that incomplete and not accurate. According to the 15 USC 1681e b whenever a consumer reporting agency pairs a consumer report. It shall follow reasonable procedures to ashore. Maximum possible accuracy. 15 usc 1681s -2 15 usc 1681 ( a ) ( 5 )

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 2025-11-19 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX XXXX bought my mortgage, they continue to demand more for escrow quadruple what the actual amount. Every time I pay the amount continues to rise. Increasing my monthly payment. 

Payments went from {$1500.00} to {$2000.00} to {$3700.00}. 

I have paid over {$10000.00} to escrow in the last year. 

My monthly payment is still {$3000.00} This causing a lot emotional and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
I am writing to formally dispute several accounts on my credit report. These accounts include charged off balances, inquiries, late payments, and accounts resulting from multiple data breaches that exposed my personal information to the public. I request that these be investigated and corrected. 

CHARGED OFF XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$980.00} XXXX XXXX XXXX, XX/XX/XXXX, {$820.00} XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$890.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3800.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$880.00} XXXX, XXXX, XX/XX/XXXX, {$2500.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-19 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: DE

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to address the following disputes on my TransUnion credit report. I request your immediate investigation and resolution of these matters. Please find the details below : Charged Off Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 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: FL

Complaint narrative:
I am filing a new complaint because Cash App failed to conduct a proper investigation under 12 CFR 1005 ( Regulation E ) for XXXX unauthorized transactions on XX/XX/year> totaling {$1700.00} on my account. 

I previously filed a complaint ( XXXX ) on XX/XX/XXXX through the CFPB portal earlier this year. On XX/XX/year>, Cash App replied with a generic message stating that it had already responded to my concerns and refused to investigate further. The company has not provided any documentation or explanation of how it determined the transactions were authorized. 

The unauthorized transactions were initiated using facial recognition on my mobile device without my consent or participation. I did not authorize, approve, or knowingly perform those transfers. This demonstrates that another individual used my Cash App credentials or biometric data against my will, and this incident is documented in a new official police report and case number. 

After I reported the issue, Cash App closed my account for suspected fraud, which further hindered my ability to access records, communicate through the app, or continue the complaint process. Despite this, I called and appealed multiple times, explaining that the transactions were unauthorized and sharing the new police report information. Each time, I received the same generic response that it appeared I had initiated and authorized the transactions. 

In their XX/XX/XXXX email, Cash App specifically stated : We looked into your dispute, as well as other account activity. 

Your Cash App account was not compromised at the time of the transaction. 

We determined that the payment was authorized by you or someone with permission to use your account based on the following : The transaction was initiated by a device in your possession.

This reasoning is insufficient under Regulation E, which requires a reasonable, good-faith investigation and supporting evidence. Cash Apps conclusion relied solely on the fact that the transfer originated from my device, ignoring the police report, biometric misuse, and the possibility of unauthorized facial recognition access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am writing to dispute several items on my credit report that I believe are inaccurate or incomplete. At the time these items were reported, I was unable to work because I was the full-time caregiver for my newborn daughter, who had severe medical conditions requiring constant care, including a feeding tube and specialized medical supervision. 
Because of this medical hardship, I could not maintain regular employment or fully meet my financial obligations. The reported items do not reflect the circumstances and hardship I was facing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-19 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: NJ

Complaint narrative:
Request for Immediate Deletion of Closed Account FCRA Dispute XXXX. Creditor Name : [ XXXX  XXXX XXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX  XXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX XXXX XXXX XXXX  ] Report Date : [ XXXX XXXX, XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXXXXXX ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXX ] Report Date XXXX [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate XXXX. Creditor Name : [ XXXXXXXX  ] Report Date : [ XX/XX/XXXX ] Status : Closed Reason for Dispute : Inaccurate To Whom It May Concern : I am writing to dispute the reporting of a closed account listed on my credit file. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Nature of the Dispute The closed account referenced above is being reported inaccurately, incompletely, or in a manner that can not be verified, which is a violation of the FCRA. You are required to report only information that is accurate, complete, and verifiable. 

Because this account does not meet those standards, it must be deleted immediately. 

XXXX. Required Action Under FCRA 611 ( 15 U.S.C. 1681i ) I am formally requesting that you : Conduct a reinvestigation of the closed account COMPLETELY DELETE the account from my credit report if it can not be verified 100 % Provide me with written confirmation of the results Under federal law, if the furnisher fails to verify the account within XXXX  days, the credit bureau is REQUIRED to remove it from my file. 

Legal Notice If you fail to correct or delete inaccurate or unverifiable information, you will be in violation of : FCRA 611 Failure to reinvestigate FCRA 607 ( b ) Failure to maintain maximum accuracy FCRA 623 ( a ) Reporting information known to be inaccurate I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my State Attorney General if this matter is not handled properly. 

Please send written results of your investigation to the address listed above. 

Thank you,

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 2025-11-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-19 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXXx data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$5300.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$4600.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$6400.00} XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$9800.00} Account name XXXX  XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$6200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation