vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-18 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-18 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: DE

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 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 2025-06-18 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: DE

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 non-monetary relief
Consumer complaint received 2025-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have repeatedly disputed a fraudulent account on my credit report it has repeatedly been deleted off my credit report and then put back in within a day, Ive never had a capital one account nor have I gave permission to anyone else to access my credit I demand immediate deletion on the capital one account that is charged off on my credit report account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  Account was paid off and is currently listed as derogatory. This information is incorrect. Please update the account as paid or remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This is my third attempt to resolve this matter. Transunion is reporting the incorrect balance information for account XXXX XXXX XXXX XXXX. I contacted the company, and they confirmed that this is my ex-wife 's account. I am not associated with this debt. I have included the statement they provided that shows her name only. This is not a joint account. Also, they claim the balance owed is {$12000.00}, yet my credit report shows {$12000.00}. I now have clear proof that the balance you're reporting to the credit bureaus does not match documentation. At this point, your reporting is not only inaccurate but also a clear violation of the FCRA. I am no longer simply requesting a correction I am now demanding : Immediate deletion of this account from all credit bureaus within 15 days and monetary relief due to your continued false reporting and noncompliance. Attached is the statement and my credit report showing the discrepancy. If this account is not removed and compensation issued within the timeframe, I will pursue legal action without further notice. Equifax and Experian have deleted this account.

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 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- -- Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MO

Complaint narrative:
This letter serves as my formal demand for immediate deletion of unverified, inaccurate, and unauthorized inquiries currently reported on my credit file. You have failed to meet your legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Compliance standards governed by the CDIA, and applicable civil rights protections.

You are reporting inquiries and accounts that you can not certify with permissible purpose or my written authorization. Under 15 U.S.C. 1681b ( a ), no entity may access or furnish my consumer report without a permissible purpose. Under 15 U.S.C. 1681c and 1681s-2, your agency has furnished and maintained these inquiries without my consent, constituting willful non-compliance and violations subject to civil liability under 15 U.S.C. 1681n ( b ) ( 2 ).

You are further on notice that Metro 2 guidelines require all data furnishers to maintain 100 % accuracy, integrity, and completeness. Any deviation from this standard compromises the data integrity and violates both Metro 2 CRRG guidelines and the FCRA. 

I did not authorize the following inquiries and they were not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 For each of the inquiries listed, you are required by law to produce : A copy of my written authorization bearing my signature Documentation verifying permissible purpose under 15 U.S.C. 1681b Full compliance with Metro 2 reporting standards Absent your ability to fully verify authorization with concrete evidence, you are required to DELETE these items from my credit file immediately.

Failure to comply constitutes willful non-compliance under 15 U.S.C. 1681n, exposing you to civil liability, actual damages, punitive damages, and attorney 's fees. 

You are hereby instructed to : DELETE all inquiries and unverifiable information listed above. 

Provide written confirmation of deletions within 15 days. 

Mail updated copies of my credit report reflecting the deletions. 

I have also filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX regarding your failure to comply with federal law. 

This is your final opportunity to resolve this matter amicably. Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am filing a formal complaint against Equifax for continuing to report an inaccurate and unverifiable XXXX XXXX XXXX  XXXX XXXX account ending in XXXX on my credit report. 
Despite multiple disputes and the removal of this account from my XXXX  report, Equifax has failed to provide any documentation verifying this accounts accuracy. This violates Sections 611 and 623 of the Fair Credit Reporting Act ( FCRA ). The account reflects severe delinquencies and was closed by the creditor. I have sent a final demand letter directly to Equifax ( attached ). I am demanding deletion of the account and confirmation of this action. I am providing a copy of the final dispute letter, government-issued ID, Social Security card , and utility bill for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES 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 2025-06-18 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES 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 2025-06-18 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( 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 2025-06-18 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: PA

Complaint narrative:
On XX/XX/year>2025, {$97.00} was pulled from my Cash App balance and marked as an overdraft repayment. However, my overdraft coverage was already turned off at that time. I had only used {$1.00} in overdraft previously, and I provided screenshots clearly showing that : 1. My free overdraft coverage was XXXX before the funds were deposited. 
2. The only amount used was {$1.00} not {$97.00}. 

Despite this, Cash Apps system automatically pulled {$97.00} from my savings after the setting had been turned off. I contacted Cash App support and explained everything clearly with proof. Their representative stated the charge happened due to automatic repayment, but that only applies when overdraft is active, which it was not in my case. 

This transaction was unauthorized, went against their own policy, and ignored the current system settings on my account. Ive requested a review multiple times but was ignored and never emailed back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft and have discovered several fraudulent accounts on my credit report from Capital One, XXXX XXXX, XXXX, and XXXXXXXX XXXX credit card companies. The items I am disputing do not relate to any transactions that I have made or authorized, and I have never signed a contract or agreement with these companies. 
I am filing this report because these accounts were opened without my consent or authorization and are fraudulent in nature, as defined under FCRA 1681 and FDCPA 809. As required by Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am formally requesting that these items be removed and deleted from my credit file due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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