vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I am filing this formal complaint against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, TransUnion has failed to remove or block fraudulent accounts from my credit file as required by law. The account in question include XXXX XXXX  XXXX, which XXXX XXXX  confirmed would be deleted but remains on my report. This is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. 
TransUnions refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-09-09 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report that do not belong to me. My information was compromised in the XXXX  data breach, and ever since, Ive been dealing with the damage. These accounts are hurting my credit and making it harder for me to move forward financially. Despite providing proof of identity theft, the accounts remain.

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 2025-09-09 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: CA

Complaint narrative:
Please remove these fraudulent inquiries from my credit report, because i don't recognized them. 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 explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove these fraudulent inquiries from my credit report, because i don't recognized them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> United Revenue XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist FDCPA Violation Notice ( 15 U.S.C. 1692c ) Account/Reference No. : XXXX To Whom It May Concern, I am writing regarding the above-referenced account, which you allege is associated with me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this alleged debt.

This includes, but is not limited to, telephone calls, text messages, emails, written correspondence, or any other form of contact. The only permissible communication you may send me is either : 1. To confirm that you will comply with this cease and desist request, or 2. To notify me of any specific remedies that may lawfully be pursued. 
Please also note that continued reporting of inaccurate or unverified information to any credit reporting agency after receipt of this notice may constitute additional violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I request that you update your records immediately to reflect this cease and desist demand. Failure to comply will result in me pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
A debt collector tried to garnish my bank account more than once, even though the money in the account is exempt under state law. I had to file in court to protect those funds, even after the company had already withdrawn a prior attempt. This has caused unnecessary stress and expense for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I had initiated a wire transfer of XXXX to my blockchain account. On XX/XX/XXXX I tried to execute a XXXX transfer with XXXX They called my transfer into question. I confirmed my transaction with them. with multiple emails going back and forth. 

On XX/XX/XXXX they continued to question my transaction asking for personal ID verification. At that time I again complied with their requests. 

On XX/XX/XXXX they notified me that they no longer wished to provide me with services. I do not deny their policies in this matter. If they feel I am not compliant with their policies. that is their prerogative. I was informed to withdraw my funds from their platform. 

Since then I have not been able to withdraw my funds. they have the cash wire deposit of XXXX showing as " pending '' and then they have an additional XXXX showing as active in my " cash '' account. according to their app, it does not allow a cash withdrawal of less than than XXXX I have contacted their support team daily asking for assistance. originally contacting email support on XX/XX/XXXX,. following up with request for assistance again on XX/XX/XXXX. 

opening a new support ticket again on XX/XX/XXXX again asking for assistance. again being told my case is being reviewed on XX/XX/XXXX. 

opening another case on XX/XX/XXXX being told i was still under a previous case number. 

I was told on XX/XX/XXXX, via chat, I could go to support.blockchain.com to review my cases. however when I went there it wouldn't allow me to login. I addressed that with a chat agent as well. with a response of " we will contact you ''. I have told them that I am doing this at their request. I have been consistently told my case has been escalated to support. 

I feel that if they are unwilling to continue a partnership of service that is totally agreeable. However they should assist me in closing out my account proactively and are failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MO

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Deletion of Inaccurate and Harmful Credit Reporting I, XXXX XXXX XXXX, am filing a complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) against TransUnion, Equifax, and Experian. 

Data Breach & Fraud Alerts All three credit bureaus have placed fraud/security alerts on my file, acknowledging that my personal information has been compromised. Continuing to report and reinsert harmful accounts after breaches violates my right to accurate reporting under 15 U.S.C. 1681e ( b ). 

Negative/Derogatory Accounts XXXX  ( Chargeoff ) and XXXX XXXX XXXX ( Chargeoff ) remain on my report despite unresolved disputes and no verifiable documentation of ownership or liability. Under 15 U.S.C. 1681i ( a ), these accounts must be deleted if not fully verified.

Hard Inquiries My file reflects unauthorized inquiries. Given my fraud alerts, these inquiries should never have been allowed without heightened verification ( 15 U.S.C. 1681b ). I demand their removal. 

Student Loans Multiple DeptEd/XXXX  accounts continue reporting, all disputed, despite my consistent challenges. These tradelines, whether marked positive or negative, are disputed and unverifiable. Under 15 U.S.C. 1681c-2, I am demanding blocking and deletion of all student loan tradelines.

Demand for Relief : Immediate permanent deletion of all derogatory items ( XXXX, XXXX XXXX XXXX XXXX XXXX 

Removal of all student loan tradelines. 

Removal of all hard inquiries associated with data breach/fraud. 

Investigation confirmation within 15 days as required by law. 



Sworn Declaration : I declare under penalty of perjury that the above facts are true and correct. 



Signed : 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 non-monetary relief
Consumer complaint received 2025-09-09 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: TN

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-09-09 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: DISCOVER BANK
State: SC

Complaint narrative:
Date : XXXX XXXX XXXX XXXXXXXX XXXX To : [ XXXX XXXX XXXX XXXX XXXX XXXX [ Address of Bureau ] Subject : Dispute of Inaccurate Credit Information Under 15 U.S.C. 1681i Dear [ Credit Bureau Name ], I am formally disputing inaccurate and/or fraudulent information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This statute requires that consumer reporting agencies investigate disputed information and remove or correct any item that is inaccurate, incomplete, or unverifiable. 

The following account ( XXXX ) are being reported in error and must be deleted from my credit file : Creditor/Collector Name : [ Insert Name ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : [ Insert Number ] Date Opened/Reported : [ Insert Date ] XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : [ Fraudulent/ Not My Account / Inaccurate Balance / Unverifiable Information ] I did not authorize or open this account, and it is the result of fraudulent activity. Because this account can not be verified as accurate, complete, and legally mine, I am requesting its immediate removal in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have no information on acct from One Main Financial. On my Credit it stated {$5400.00}. When I attempted to reach out a young lady was rude and stated they couldn't provide information since I stated the debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
XXXX XXXX {$11000.00} XXXX XXXX. 
In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). And according to 15 USC XXXX ( i ) ( XXXX ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
On XX/XX/2025, I noticed that Equifax is reporting inaccurate and unverifiable accounts on my credit file. The reported account ( s ) show accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I disputed these items directly with the bureau on [ insert dispute date ] and provided notice that the information was inaccurate. Despite this, the bureau has continued to report the accounts without providing me with full validation from the furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) 611, 15 USC 1681i, the bureau must conduct a reasonable reinvestigation and delete any information that can not be fully verified. Additionally, under FCRA 607 ( b ), 15 USC 1681e ( b ), they are required to maintain maximum possible accuracy in consumer reports.

Since the accounts remain unverifiable and inaccurate, I am requesting immediate and permanent deletion of these items. The continued reporting of unverifiable information is harming my creditworthiness and is in direct violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I submitted disputes with Experian regarding accounts that do not belong to me and are tied to identity theft. Along with my disputes, I provided a valid Identity Theft Report as proof. Despite this, Experian continues to report these fraudulent accounts, showing that my disputes were not handled properly under the FCRA. This has caused ongoing damage to my credit.

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 2025-09-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe 1XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe 1XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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