vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Subject : Formal Escalation Experian Repeated FCRA Violations To Whom It May Concern, I am submitting this formal escalation regarding Experian Information Solutions , Inc., which has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by failing to correct, remove, or accurately report negative accounts on my credit file despite multiple verified disputes. 

On XX/XX/year>, I sent a detailed legal demand email directly to Experian XXXX XXXX XXXX ( XXXX ), along with copies of : My complete Experian credit report highlighting all negative accounts My dispute history from Experians portal Copies of all prior CFPB complaints and confirmations Negative accounts include ( but are not limited to ) : XXXX XXXX XXXX  XXXX accounts with multiple charge-offs Violations : FCRA 1681i ( failure to reinvestigate ), 1681e ( b ) ( inaccurate reporting ), 1681k ( reporting outdated information ) Resulting harm : Denials of credit, stress, damage to credit profile Demand : {$1000.00} statutory damages per account XXXX XXXX XXXX Account charged off despite disputes Violations : FCRA 1681i, 1681e ( b ) Resulting harm : Financial and emotional stress Demand : {$1000.00} statutory damages XXXX XXXX  Charged-off secured card, XXXX  months negative reporting Violations : FCRA 1681i, 1681e ( b ), 1681k Resulting harm : Credit denials and misrepresentation of my financial responsibility Demand : {$1000.00} statutory damages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account falsely verified Violations : FCRA 1681i, 1681e ( b ), 1681k Resulting harm : Additional stress, risk of identity theft Demand : {$1000.00} statutory damages ( Full list of negative accounts and dispute history attached in PDF ) Despite repeated disputes, Experian has willfully ignored FCRA requirements, failed to correct inaccurate reporting, and placed me at risk of further credit denials and identity theft. 

I request that your offices investigate Experians repeated violations, enforce statutory penalties, and require immediate correction or deletion of all inaccurate or unverifiable information. 

Attachments : Experian Credit Report ( highlighted negative accounts ) Copy of legal demand email sent to Experian CEO This matter is time-sensitive, as continued reporting of inaccurate information further damages my credit profile and violates federal law. 

Sincerely, XXXXXXXX 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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I requested to receive my credit balance refund of {$1500.00} by check only. 
However, Bank of America made several serious mistakes. They sent the same refund in three different ways : 1. as a credit to my credit card, 2. as a direct deposit to my XXXX XXXX account , and 3. as a physical check, which I deposited into my XXXX XXXX  account. 

Later, instead of correcting their own internal error, they added new charges to my credit card as if I owed one of these refunds back.

Now my credit card shows a total balance of {$3400.00}, even though I only owe {$1800.00} for my actual purchases.

I acted in good faith and followed the information given by their representatives, who told me that the refund sent to my XXXX account was correct and final. 

I have been a Bank of America customer for XXXX years, and I have never missed or delayed a payment. I take my financial responsibilities very seriously, and I work hard to maintain good credit and manage my obligations with integrity. 

Because of the banks repeated mistakes and poor communication, I have suffered significant financial and emotional stress. I now face a new financial problem created entirely by Bank of America being asked to pay an amount that I do not have, for money I did not spend. I do not have the resources to pay {$3400.00}, and it is unfair to expect me to do so when this situation was caused by the banks own errors. 

The delay in resolving this issue also prevented me from traveling to my aunts funeral, which added emotional hardship during an already painful moment in my life. 

Furthermore, on XX/XX/year>, during my most recent call with customer service, I was treated with impatience and disrespect by a representative. The interaction was extremely embarrassing and upsetting. The agent was rude, dismissive, and made me feel humiliated, even though I was only trying to resolve a problem caused by the bank itself. 

This experience has deeply affected my trust in the institution. I am now being billed for an error I did not cause, and I have been treated unfairly in the process.

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 2025-10-23 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-23 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-23 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: AZ

Complaint narrative:
On Saturday, XX/XX/year>, at approximately XXXX XXXX, my Cash App card fell out of my pocket outside of XXXX. The card was later found in the afternoon of the same day. During the time it was missing, several unauthorized transactions were made. The stolen card was used to make a purchase at XXXX XXXX in the amount of {$22.00} and another purchase at XXXX totaling {$80.00}. There were also attempted transactions at a XXXX station for {$12.00} and at a XXXX XXXX for {$1.00} on Sunday, XX/XX/year>. These transactions were not made or authorized by me. I have filed a report with the XXXX Police department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NV

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: PR

Complaint narrative:
What happened : I purchased an XXXX skincare product using Affirm, but the product arrived completely dry, damaged, and unusable. I immediately contacted XXXX and Affirm multiple times to report the issue, providing photos and proof that the product was defective. Despite my repeated messages and evidence, neither Affirm nor XXXX offered any real solution. 

Affirm closed my dispute unfairly, ignoring the clear evidence of a damaged product. I even reached out directly to the Affirm Resolutions Team ( XXXX XXXX XXXX over a week ago, but I only received automated responses and no real assistance. 

This entire situation has been extremely stressful, frustrating, and unjust, as I am now being forced to pay for a defective product that I could never use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MI

Complaint narrative:
XXXX XXXX XXXX ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries Reference : Fair Credit Reporting Act 15 U.S.C. 1681e ( b ), 1681i ( 5 ), and 1681c-2 Dear TransUnion, I am the victim of identity theft, and several accounts and inquiries appearing on my TransUnion credit report do not belong to me. These items were opened or reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i ( 5 ), you are required to ensure maximum possible accuracy of consumer data and promptly delete any unverifiable or fraudulent information. Please consider this letter a formal identity theft dispute. I am requesting that the following fraudulent accounts and inquiries be removed immediately from my credit file : Fraudulent Accounts 1. 
XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Status : 60 Days Past Due ( XX/XX/XXXX ). This account was opened and used fraudulently. I did not authorize this account or any related activity. Please delete immediately. 2. XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : 60 Days Past Due ( XX/XX/XXXX ). 
This account does not belong to me and was opened as a result of identity theft. Please delete from my file. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Status : 60 Days Past Due ( XX/XX/XXXX ). I did not open or authorize this account. It is fraudulent and must be deleted. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Closed, Paid as Agreed ( 130 late XX/XX/XXXX ). I do not recognize this account and did not open it. Please remove it as identity theft. Fraudulent Inquiries All of the following inquiries were made without my consent and should be deleted as fraudulent : - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2, you are legally obligated to block and delete all information resulting from identity theft upon receiving a dispute and identity verification. 
Please initiate this investigation immediately and provide me with written confirmation once these fraudulent entries are removed. Thank you for your prompt attention to this serious matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MI

Complaint narrative:
XXXX XXXX XXXX ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries Reference : Fair Credit Reporting Act 15 U.S.C. 1681e ( b ), 1681i ( 5 ), and 1681c-2 Dear TransUnion, I am the victim of identity theft, and several accounts and inquiries appearing on my TransUnion credit report do not belong to me. These items were opened or reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i ( 5 ), you are required to ensure maximum possible accuracy of consumer data and promptly delete any unverifiable or fraudulent information. Please consider this letter a formal identity theft dispute. I am requesting that the following fraudulent accounts and inquiries be removed immediately from my credit file : Fraudulent Accounts 1. 
XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Status : 60 Days Past Due ( XX/XX/XXXX ). This account was opened and used fraudulently. I did not authorize this account or any related activity. Please delete immediately. 2. XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : 60 Days Past Due ( XX/XX/XXXX ). 
This account does not belong to me and was opened as a result of identity theft. Please delete from my file. XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Status : 60 Days Past Due ( XX/XX/XXXX ). I did not open or authorize this account. It is fraudulent and must be deleted. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Closed, Paid as Agreed ( 130 late XX/XX/XXXX ). I do not recognize this account and did not open it. Please remove it as identity theft. Fraudulent Inquiries All of the following inquiries were made without my consent and should be deleted as fraudulent : - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2, you are legally obligated to block and delete all information resulting from identity theft upon receiving a dispute and identity verification. 
Please initiate this investigation immediately and provide me with written confirmation once these fraudulent entries are removed. Thank you for your prompt attention to this serious matter. 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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had an account with navy federal credit union around XXXX. I voluntarily closed my account but when I tried to reopen it they would not allow me. First I was told that I couldn't open because of a credit card that I had with the account was discharged on a bankruptcy. I appealed in XXXX buy was denied. Recently I called the credit union again to try and open an account they said that due to a fraudulent mobile check deposit I was never able to open a account with them again.i asked what proof did they have that it was actually me that made the deposit. Was it my signature. Was they check paid.they told me nothing. I asked for the supervisors supervisor and was denied i tried to explain to them that I had some issues with identity theft and stolen information but they didn't want to hear that. I want them to prove to me that the check was paid. That it was me who deposited the check by mobile device. I want them to show me the signature that was signed on the check.i was told because if this XXXX discrepancy i can never again open an account with navy federal credit union again. This is discrimination

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 2025-10-23 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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