vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 2025-05-23 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: UT

Complaint narrative:
Please certifywithout exceptionthat all data linked to this account is mine, originated from me, and belongs exclusively to me. Im not asking for a general confirmation ; I need a specific and unambiguous statement that every piece of data stored or associated here is under my ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Earlier today, I noticed several unfamiliar accounts appearing on my credit report, which was unexpected and confusing. I check my report frequently and havent seen these before. Thinking it might be a browser issue, I refreshed the page, but the incorrect information remained. Because of this, Im requesting a thorough review of my documentation to ensure this doesnt continue to be a problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or take actions by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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
Consumer complaint received 2025-05-23 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: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
I am requesting the deletion of a charged-off auto loan reported by MIDFLORIDA FINANCING LLC on my XXXX  credit report. This account has already been removed from both XXXX XXXX XXXX due to lack of verification. However, XXXX continues to report it, which creates an inconsistency across my credit reports.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2, furnishers are required to report accurate and complete information. Under FCRA 1681i, credit bureaus must conduct a reasonable investigation of any disputed information. Despite my dispute, MIDFLORIDA FINANCING LLC failed to provide any supporting documentation or evidence verifying the account. XXXX verified the account without requiring or sharing proof of accuracy. 

This tradeline is unverified, incomplete, and inconsistent with my other credit files, and is therefore in violation of FCRA. I am requesting full deletion of this account from my XXXX credit report due to the failure to verify the information and the resulting harm to my credit. 

The continued reporting of this unverifiable account is not only inaccurate but also unjust, as it damages my credit despite the creditors failure to validate the debt when challenged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: WA

Complaint narrative:
Im contacting you because theres an item on my credit report that is not only inaccurate, but also not in compliance with the Fair Credit Reporting Acts requirement for maximum possible accuracy. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: PA

Complaint narrative:
I am a victim of scam and fraud mainly in the platform Cash App! I have been scammed and lost over XXXX worth of funds of being scammed on cash app and their support system doing nothing! I got my main and also multiple accounts closed by them for violating there terms and rules as they claim. When in reality I've been scammed, manipulated by vendors on the app, and more. I used the app for sending and spending money just like everyone else, so I don't understand why they have closed my account. I recently filed a complaint about me being scammed on the app, and I got a email saying my case was dismissed because they didn't see any proof of me being scammed on my profile and that made me angry! So I filed another complaint and I took screenshots to show them and they are once again looking into my case, and I'll continue to contact Cash app until I get my justice for all my lost funds and me being scammed! Cash app has to do better with their support especially when it comes to scammers because they just let it slide and they don't care and their team really needs to do better!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im not sure how they got there. I routinely review my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a temporary glitch, but the inaccurate entries remained. Because of this, Im requesting a careful review of the documents Ive provided so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
When I reviewed my credit report today, I was surprised to see accounts that dont belong to me. I usually check my report regularly, but this time something was clearly wrong. I attempted to refresh the page to rule out a technical issue, but the errors were still there. Im therefore asking that my submitted documents be carefully examined to resolve this once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
SEE NOTES. Numerous accounts are reporting different and inaccurate information.

According to 15 U.S Code Section 1681s-2 ( a ) It is illegal to report inaccurate information on my credit report. How is it possible to open the same account on two different days. This is an inaccurate report. The last activity and the last reported is also reporting differently. Where did you receive these inaccurate reports? Please delete these inaccurate reports immediately. I have also check with the County Clerk of Courts and they have stated they didn't give you this information. I am requesting a copy of these original documents and if not received within 30 days, I will have my attorney to Pursue charges be brought against your company. I Have listed in my attachments and the notes below all of the XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am submitting this complaint due to the ongoing failure of the credit reporting agency to properly investigate and correct inaccurate information on my credit file, despite multiple formal disputes the most recent of which was submitted on XX/XX/XXXX. 

The agency continues to report inaccurate and potentially unverifiable accounts and inquiries without complying with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I have received generic responses stating that certain accounts were " verified, '' yet I have not been provided with the required method of verification as outlined in 15 U.S.C. 1681i ( a ) ( 7 ). 

Disputed Items : Accounts : XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX Inquiries ( Not Authorized ) : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Despite my repeated attempts, the credit reporting agency has failed to provide the following : A description of the method of verification used to verify each item. 

The name and contact information of the data furnishers responsible for the reporting. 

Any supporting documentation used to verify the disputed items. 

This lack of transparency and failure to reasonably investigate my disputes is a direct violation of : 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ), and 15 U.S.C. 1681i ( a ) ( duty to conduct a reasonable reinvestigation ).

My Request : I previously issued a final written demand giving the agency 15 days to : Reinvestigate all disputed accounts and inquiries. 

Provide the full method of verification and supporting documentation. 

Remove any items that are inaccurate or can not be verified. 

Issue an updated copy of my credit report reflecting these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 submitting this complaint due to the ongoing failure of the credit reporting agency to properly investigate and correct inaccurate information on my credit file, despite multiple formal disputes the most recent of which was submitted on XX/XX/XXXX. 

The agency continues to report inaccurate and potentially unverifiable accounts and inquiries without complying with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I have received generic responses stating that certain accounts were " verified, '' yet I have not been provided with the required method of verification as outlined in 15 U.S.C. 1681i ( a ) ( 7 ). 

Disputed Items : Accounts : XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX Inquiries ( Not Authorized ) : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Despite my repeated attempts, the credit reporting agency has failed to provide the following : A description of the method of verification used to verify each item. 

The name and contact information of the data furnishers responsible for the reporting. 

Any supporting documentation used to verify the disputed items. 

This lack of transparency and failure to reasonably investigate my disputes is a direct violation of : 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ), and 15 U.S.C. 1681i ( a ) ( duty to conduct a reasonable reinvestigation ).

My Request : I previously issued a final written demand giving the agency 15 days to : Reinvestigate all disputed accounts and inquiries. 

Provide the full method of verification and supporting documentation. 

Remove any items that are inaccurate or can not be verified. 

Issue an updated copy of my credit report reflecting these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: IN

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

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