vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
Im filing a complaint because TransUnion, Experian, and Equifax are all reporting the same account differently and the information is wrong. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Revolving / Charge Account When I compared my reports, I found major differences that clearly violate the Fair Credit Reporting Act, which requires that all reported information be accurate and verifiable. 
XXXX what I found : Date Last Active TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX High Credit TransUnion : {$760.00} Experian : {$0.00} ( impossible if late payments occurred ) Equifax : {$760.00} XXXX XXXX TransUnion : {$340.00} Experian : {$340.00} Equifax : {$0.00} Comments/ Status TransUnion : Charged off as bad debt / Purchased by another lender Experian : Purchased by another lender. Unpaid balance reported as a loss Equifax : Charged off account/ Account transferred or sold These details cant all be correct for the same account. The inconsistencies make the data unreliable and unverified. Ive already disputed this with all three bureaus, and they have failed to fix or remove it. 
Under the FCRA, if an account can not be verified with complete and consistent records, it must be deleted. I am asking the CFPB to investigate and require TransUnion, Experian, and Equifax to either prove the accounts accuracy or delete it entirely from all three of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am disputing an unauthorized hard inquiry on my credit report. I have not applied for credit or authorized any entity to pull my credit report at the time reflected by this inquiry.

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 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I made a Cash App payment of XXXX ( attached file # XXXX, XXXX ) to street vendor XXXX XXXX after being misled into believing I was purchasing valid XXXX ticket/wristband. Once the item failed to work, I realized I had been scammed. On XX/XX/year> I filed a claim with my bank, my funding bank posted a provisional credit while it continues its own Regulation E investigation. The credit is temporary and may be reversed if the bank later determines the transaction was authorized ( attached file # 3 ) Therefore, the underlying dispute with Cash App remains open. I also immediatly contacted Cash App through the in-app Report an Issue flow on XX/XX/year>. Cash App denied my claim on XX/XX/year> ( attached file # XXXX ) without providing documentation of its investigation, or ask for any additional evidence and has not issued the provisional credit. I have called to appeal claim, and was told they could not do anything due to the fact that transaction already went through. I have attached screenshots of the transaction, and Cash Apps denial email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
I am in disagreement with the accounts listed below that still appear on my credit report, even after you completed an investigation. I would like for the items to be reinvestigated immediately. The items are highly injurious to my credit score. 

Here are the items below 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 In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
I am the victim of identity theft. By the time I discovered it, the thieves had opened like XXXX something accounts in my name. For the most part, I have been able to get this cleaned up. However, there is a collection agency that bought the debt of one of the creditors that had already been blocked off of my report and then TransUnion is not blocking an account with some back called XXXX. I have never heard of these XXXX  people. It is not my account. It is fraud. they keep saying it was verified as accurate. They are playing stupid. I did not say it was someone else 's account,. I said someone pretended to be me. OBVIOUSLY the account is in my name They are breaking the law and it is causing me harm. my wife has spent XXXX  of hours dealing with this and it is a bunch of nonsense.

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 2025-08-12 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: MI

Complaint narrative:
Experian. will NOT update my credit report. They will ot correct it but the other bureaus do

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 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00}

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 2025-08-12 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-12 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 recently checked credit report and i notice improper access my data without my consent. kindly i requested report on credit report be deleted because it affect my employement and 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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new Citi credit card was able to verify to activate it I made a couple transactions then the card was blocked now they tell I can't verify an need to wait for a letter in the mail

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 2025-08-12 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:
In XXXX, I discovered unauthorized car loans and phone lines opened in my name after reviewing my credit report. I did not authorize these accounts and have no connection to the responsible party. 

I disputed these fraudulent accounts with all three credit reporting agencies, but they remain on my file. 

Under the Fair Credit Reporting Act ( FCRA ) 605B and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to block and permanently remove any information resulting from identity theft. 

I request immediate removal of these accounts from my credit reports and preventive measures to stop further misuse of my identity.

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 2025-08-12 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: GA

Complaint narrative:
In XXXX, I discovered unauthorized car loans and phone lines opened in my name after reviewing my credit report. I did not authorize these accounts and have no connection to the responsible party. 

I disputed these fraudulent accounts with all three credit reporting agencies, but they remain on my file. 

Under the Fair Credit Reporting Act ( FCRA ) 605B and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to block and permanently remove any information resulting from identity theft. 

I request immediate removal of these accounts from my credit reports and preventive measures to stop further misuse of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Randolph Brooks Federal Credit Union reported multiple 30-day late payments on my credit card account, despite my records showing all payments were made on time. The account currently shows a balance of {$14000.00} with a {$15000.00} credit limit and is open and active. I disputed these entries and requested verification with supporting payment records, but have not received proof that the reported late payments are accurate. These inaccurate reports have negatively impacted my credit score and I am requesting immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX To Whom It May Concern, I am writing to file a complaint against JEFFERSON CAPITAL SYSTEMS LLC regarding their failure to resolve an unauthorized transaction/error on my account under the Electronic Funds Transfer Act ( EFTA ). 
Despite following the appropriate procedures and providing all necessary documentation, JEFFERSON CAPITAL SYSTEMS LLC has not resolved the issue to my satisfaction. The details of the unauthorized transaction/error are as follows : Date of Transaction : XX/XX/XXXX Amount : XXXX Transaction Description : XXXX Error Description : I do not recognize this account and requested an investigation, but did not receive a response. 
I request that the CFPB investigate this matter and ensure that JEFFERSON CAPITAL SYSTEMS LLC complies with the EFTA in resolving this dispute. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under my rights established in the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am submitting this dispute regarding the presence of inaccurate personal information in my Experian credit file. My correct legal name is " XXXX XXXX XXXX XXXX '', with " XXXX '' as my first name, " XXXX '' as my first surname, and " XXXX XXXX '' as my second surname. Experian lists multiple incorrect name variations, including but not limited to : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

These aliases do not match my legal name and may cause misidentification or mix my information with another consumer. 
Additionally, Experian lists the phone number XXXX, which is a business contact, not my personal number. 

Under FCRA 1681i ( a ), all information in a credit report must be accurate, verifiable, and up to date. I request the immediate removal of all incorrect name variations and the deletion of the unrelated phone number, retaining only my legal name and accurate contact information.

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 2025-08-12 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: LA

Complaint narrative:
I have previously disputed Experian and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-12 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : 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 2025-08-12 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-12 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: OneMain Finance Corporation
State: NY

Complaint narrative:
In XX/XX/year> I saw a report from one main finance. They did a hard inquiry without my knowledge would like it to be remove. I have reach out to the company no action taken I wrote a letter to send to the cfpb is attach to this report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-12 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: FL

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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