vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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 am submitting this formal complaint against XXXX XXXX XXXX regarding a repossessed auto loan account that is being inaccurately and fraudulently reported to the credit bureaus.

The reporting associated with this account contains multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Specific Violations and Issues : The account is being reported with inaccurate balance, payment history, and status information following the repossession.

The account was previously removed from my credit report but has since been reinserted without the proper notice required under the FCRA ( Section 611 ( a ) ( 5 ) ( B ) ), which constitutes a clear violation.

I have not received any tax documentation ( such as a 1099-C ) regarding any potential debt cancellation or sale of the vehicle post-repossession, raising concerns over regulatory noncompliance and IRS reporting failures.

No accurate or complete accounting records have been provided to justify the amounts being reported, and no clear explanation has been given regarding the sale or handling of the vehicle after repossession.

Due to these issues, I have reason to believe this account is being fraudulently reported and may involve internal mishandling or improper servicing.

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 2025-06-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I called the " XXXX XXXX '' at the toll free number indicated on the brochure mailed to me. A Customer # was beside our address, although we had never been on a cruise before and were not " customers ''. I provided my husband 's Citi credit card number to hold plane reservations for the XXXX XXXX cruise but the credit card was immediately processed for the entire trip amount of {$7100.00} before we signed or even saw a contract and other booking forms that required passport numbers. I told the XXXX  agent that our passports had expired. Once we read the many contract documents, we refused to sign. We protested the charge to the Citi Card, but the Citi dispute resolution employee did not understand how contracts work, or perhaps didn't understand English, and without proof of a signed contract, determined that we were bound by the terms of XXXX XXXX written contract! XXXX committed fraud and Citi let them get away with it, despite our evidence supporting our claim for a refund.

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 2025-06-04 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:
Please delete these fraudulent accounts and addresses from my credit report. 

I have never had XXXX XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXX XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXXXXXX XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXX XXXX XXXX  account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXX XXXX XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXX XXXX XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXXXXXX XXXX XXXX XXXXccount. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXX XXXXXXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXXXXXX XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

I have never had XXXX account. This is fraudulent and I have also never lived at XXXX XXXX XXXX. This account also does not appear on XXXX XXXX XXXX 

Please delete this fraudulent inquiry 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 2025-06-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Back in 2019 i was in XXXX  and XXXX  XXXX funded me some money and cash app took my money a little over a XXXX dollars with no reason or explaining.i also made an account a few years back for my son that had money still in the account and cash app closed the account with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX ( XXXX XXXXXXXX Account Number XXXX ) XXXX XXXX ( XXXX XXXX Account Number XXXX ) XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXXXXXX XXXX Account number 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 2025-06-04 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-04 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: TX

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist in the removal of fraudulent items from my credit file. I am reaching out to ensure that the fraudulent items listed above will be promptly and effectively CORRECT. I am hopeful that in my next update, the listed items will no longer be present. Thank you so much for your assistance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$320000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-04 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-04 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il  XXXX XXXX XXXX Date- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Va XXXX Subject : Request for Validation of Debt and Notice of Dispute Under 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( a ) ( 7 ) ( A ) To Whom It May Concern : I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to 12 CFR 1006.34 ( d ) of Regulation F and 15 USC 1681s2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full validation of the alleged debt and to dispute the information you have or may furnish to any consumer reporting agency.

Under 12 CFR 1006.34 ( d ), you are required to provide me with a detailed validation notice containing specific information about the alleged debt, including : The name of the creditor to whom the debt is currently owed, An itemization of the debt, Information about my rights to dispute the debt, And the means by which I can request the original creditors name and address.

Additionally, under 15 USC 1681s2 ( a ) ( 7 ) ( A ), if you have furnished or intend to furnish any information regarding this debt to a consumer reporting agency, you must report that the debt is disputed.

Accordingly, I request the following : 1. Provide all information required under 12 CFR 1006.34 ( d ) to validate the debt.

2. If this debt has been or will be reported to any consumer reporting agency, ensure that it is accurately reported as disputed as required by 15 USC 1681s2 ( a ) ( 7 ) ( A ).

Pending receipt of the requested validation, and confirmation that any reporting reflects the disputed status, I request that you cease any collection activities.

Please respond to this request in writing within the time frames prescribed by law. 

Sincerely, 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 2025-06-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il  XXXX XXXX XXXX Date- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Va XXXX Subject : Request for Validation of Debt and Notice of Dispute Under 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( a ) ( 7 ) ( A ) To Whom It May Concern : I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to 12 CFR 1006.34 ( d ) of Regulation F and 15 USC 1681s2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request full validation of the alleged debt and to dispute the information you have or may furnish to any consumer reporting agency.

Under 12 CFR 1006.34 ( d ), you are required to provide me with a detailed validation notice containing specific information about the alleged debt, including : The name of the creditor to whom the debt is currently owed, An itemization of the debt, Information about my rights to dispute the debt, And the means by which I can request the original creditors name and address.

Additionally, under 15 USC 1681s2 ( a ) ( 7 ) ( A ), if you have furnished or intend to furnish any information regarding this debt to a consumer reporting agency, you must report that the debt is disputed.

Accordingly, I request the following : 1. Provide all information required under 12 CFR 1006.34 ( d ) to validate the debt.

2. If this debt has been or will be reported to any consumer reporting agency, ensure that it is accurately reported as disputed as required by 15 USC 1681s2 ( a ) ( 7 ) ( A ).

Pending receipt of the requested validation, and confirmation that any reporting reflects the disputed status, I request that you cease any collection activities.

Please respond to this request in writing within the time frames prescribed by law. 

Sincerely, 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 2025-06-04 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 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 four 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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-04 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 four 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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-06-04 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: MN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-06-04 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: MN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation