vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XXXX, I contacted Transunion LLC via their messenger service and requested all information that was submitted by XXXX XXXX, et al for use in Transunion 's determination of the the dispute I filed on XXXX. I was essentially firewalled for over XXXX hours, taking away from my business and customers. It concluded with refusal to provide me with the requested information. Furthermore, this was the second time that I have notified Transunion that the purported bill was medical in nature, as evidenced by the origin company. All conversations were recorded and documented and will be provided upon request as it consumes a large amount of data. 

First, this company or its collection affiliates are not known to me, nor has any mailed invoice, email, or notice bearing their letterhead ever been received. If they were involved with XXXX XXXX, the account was paid, and therefore, XXXX XXXX XXXX XXXX should have been compensated through XXXX XXXX XXXX, which means XXXXXXXX XXXX XXXX is in violation of the CFPB. If they were not compensated, then that is an issue they should have taken up with the paying organization, namely XXXX XXXX XXXX, which through default, still places XXXXXXXX XXXX XXXX  in violation of the CFPB, ignorance not being an affirmative defense. 

Second, even though this company or collection affiliates are not known and, if legitimate, should have already been compensated through XXXX XXXX XXXX, since this is obviously medical in nature, as per the CFPB 12 CFR 1022.30, this should not be public nor affect any of the XXXX scores, yet it severely does as a reported XXXX. The CFPB stated that CFPB 12 CFR 1022.30 would go into effect 60 days after the CFPB 12 CFR 1022.30 decision was published in The XXXX XXXX, which took place on XX/XX/year>. This places the effect date at XX/XX/year>, almost a month before the XXXX placement date of XX/XX/year>, which clearly places such actions in violation. Other CRAs have openly complied with the CFPB mandate, but TransUnion, as of date, has 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 2025-07-18 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: NM

Complaint narrative:
I kindly urge you to address this matter promptly and ensure the changes are made to my report without further delay. I expect a timely resolution and would appreciate your immediate attention to this ongoing issue.

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 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 2025-07-18 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: VA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
ADRESSES AND NAMES THAT ARE BEING REPORTED ARE INCORRECT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
FTC Identity Theft Report Fraudulent Account Complaint Complainant Information : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Date of Report : XX/XX/XXXX Subject : Fraudulent Account Reported by Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX I am reporting identity theft involving a fraudulent account that has been falsely added to my credit report. I have no knowledge, no affiliation, and never authorized any account or credit transaction with the following company : Company Name : Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$14000.00} Date Opened ( per credit report ) : XX/XX/XXXXXXXX  Status : Open Responsibility : Individual My Relationship to This Account : I have never opened or authorized this account. 

This account was opened fraudulently or in error, and is now causing immediate and irreparable harm by interfering with a pending home mortgage loan closing. 

I never provided written or oral permission for Transworld Systems, XXXX, or any affiliated third party to open or report any account on my behalf. This reporting violates the Fair Credit Reporting Act ( FCRA ) and is being reported without a permissible purpose under 15 U.S. Code 1681b. 

I am formally requesting that : This account be immediately removed from my credit reports with all three credit bureaus ( XXXX XXXX XXXX XXXX  ). 
The account be blocked as identity theft under FCRA 1681c-2. 
All further collection activity related to this fraudulent account cease immediately. 

I am also submitting supporting documentation including : A copy of my government-issued ID Proof of my current address A detailed written dispute letter ( attached ) This fraudulent account is affecting my financial livelihood and homeownership opportunity. I am requesting urgent assistance from the FTC in flagging this account as identity theft and preventing any further damage. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of 2 personal credit cards opened at XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX and XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX, and XXXX personal loan at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts reported. The aforementioned accounts on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, hard inquiries related are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery is reporting a collection account on my credit report with a balance of {$8000.00}. As a debt collector, they are required under 15 U.S. Code 1692g of the FDCPA to send a written notice and validate the debt upon request. I did not receive proper written notification of my right to dispute, nor was any validation provided after disputing the debt. 

As a furnisher of information to the credit reporting agencies, they are also required under the Fair Credit Reporting Act ( FCRA ) to ensure the information they report is accurate and verified. I believe they are reporting an unvalidated and potentially inaccurate debt in violation of their obligations under both laws. 

I have filed an FTC Identity Theft Report under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), which I have attached to this complaint. The report outlines that I was a victim of identity theft and includes a fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was used without my knowledge in connection with accounts not authorized by me. Continued reporting of this debt may also violate FCRA Sections 611 and 623.

I am requesting : Proof of the original signed contract Full itemized accounting of the alleged debt Legal proof of assignment or ownership of the debt Proof they are licensed to collect in my state A detailed explanation of how this debt was validated and verified by both the furnisher and the credit reporting agency Until they comply with both the FDCPA and FCRA requirements, this debt should not be reported. I am requesting that this item be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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
Consumer complaint received 2025-07-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank accessed my credit report on XX/XX/year>, without my authorization. I did not initiate a credit application with them, and I have never provided written or verbal consent to access my credit information. 

In response to my prior complaint with CFPB ( XXXX ), Citi falsely claimed that I was exploring mortgage refinance options with their representatives and had granted authorization. This is absolutely untrue. I have never personally communicated with Citibank representatives to make a credit inquiry on my profile. 

Under the FCRA, each individual must provide explicit consent for their credit to be accessed, and Citi has failed to demonstrate any such consent from me despite my escalation of the matter with CFPB. No signed application, verbal recording, or written record has been provided as proof of evidence which Citi claims to have.

Citis only response so far has been to convert the hard inquiry into a soft inquiry, but this still does not resolve the issue, as even soft inquiries require a legitimate permissible purpose and consumer authorization under federal law. I did not authorize this inquiry in any form, and no such purpose exists. 

Furthermore, Citi has refused to remove the inquiry entirely and has declined to offer any compensation for the stress, time, and effort I have endured investigating this unauthorized access. I have had to : Engage with all three credit bureaus, Follow up repeatedly with Citibank, Provide evidence to CFPB, And spend weeks seeking resolution with no satisfactory outcome. 

Requested Resolution : Complete removal of the unauthorized inquiry ( soft or hard ) from all credit reporting agencies ; Proof of authorization, if Citibank continues to assert it exists ( signed form, recorded call ) ; Compensation for the time, stress, and harm caused by this mishandled and unauthorized inquiry ; Written confirmation of compliance within 15 business days. 

I respectfully request the CFPB to hold Citibank accountable under the Fair Credit Reporting Act and require corrective action. This is a standing violation, and conversion to a soft inquiry is not an acceptable resolution when no consent exists.

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 2025-07-18 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
This is regarding a previously submitted complaint ( XXXX ) and be as it may there has been no update further than the response here from the cfpb id like to request immediate action be taken in order to retrieve the XXXX listed in both class actions as to which I am apart of there has been no response or action and would like a better understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
There is an inaccurate and incorrect account listed on my credit report under the name XXXX XXXX XXXX. This account 's balance consists of improper charges.

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 2025-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/25- XXXX charge of {$5000.00} on my credit card, I sent Bank of America proof that I did not make that transaction, as my account did not have any purchases on that date nor did any of my purchases around that date even come close to the total. 
In speaking with the XXXX customer service rep, they confirmed I did not make the purchase, said it was made on another account, and even gave me the first letter of the name that made this purchase, which is not under any of my account users. Bank of America did not resolve my dispute and is telling me to pay the entire balance.

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 monetary relief
Consumer complaint received 2025-07-18 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
A friend was supposed to do some work for me & i sent {$320.00} to him but he never did any work and kept saying he was coming & would not show. He text me apologizing & said he'd send me the money back but then denied it and blocked my number. I filed a dispute with cashapp and they denied it on XX/XX/XXXX.

Company response to consumer: Closed with explanation