vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NC

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-07-07 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-07 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I checked my credit report on XX/XX/XXXX To notice that I have XXXX inquires on my credit report that I do not recognize nor did I authorize. 

XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX  XXXX ( BANK ) XXXX XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I checked my credit report on XX/XX/XXXX To notice that I have XXXX inquires on my credit report that I do not recognize nor did I authorize. 

XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX  XXXX  ( FINANCE ) XX/XX/XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX  XXXX ( BANK ) XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX  XXXX ( BANK ) XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
I am unaware of account and was not given the opportunity to dispute this account. Please provide CERTIFIED MAIL with receipt that displays my signature. If not, please delete account as soon as possible or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I found out my credit card had been used fraudulently so I froze my credit. I went to Experian to try and unfreeze my credit to apply for a new credit card because AGAIN my card had fraud on it. When I went to the Experian website to try and unfreeze my credit, someone had created an account using my information but the password recovery is tied to that scammer 's phone and email so I can not get in to create an account. 
Experian does NOT answer the phone. They say they will only let you speak to a human if you give them specific reasons but do not tell you what those reasons are. So, I'm stuck with a robo/automated option and can't get whoever this person is off this credit bureau XXXX XXXX using my information. They need to answer their phones. This is insane. It shouldn't be legal that they can not speak to people when they've clearly been hacked and someone has setup an account in my name.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity bank/bread XXXX said I was not the person who I said I was. They closed my account and are refusing to give me my cash back which is a little over {$1500.00}. ( My fault for not turning them in ). They asked for copy of : social security card front and back, my passport, a monthly bill ( cable ), and I sent in my XXXX from my XXXX XXXX  XXXX teacher retirement system. I sent these documents via e-mail ( which they said they received ), and I mailed them all to an address they provided. My credit cards have never been denied, I pay the balance in full each month with automatic withdrawal from my account. I use the alerts for the card and have never had a problem with any of my cards. Comenity can not explain to me any irregular credit card problems they have had with me. They can keep their card, but I earned the cash back that they are refusing to give me. Hope you can straighten this out. Thank you

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

Complaint narrative:
I'm reaching out to dispute the XXXX XXXX account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX ) that's showing up on my credit report. After reviewing the details, Ive found several inconsistencies and errors across the three bureaus, and Im asking that you delete this account from my file. 

Heres whats wrong : Experian reports multiple late payments ( 60120 days ) from XX/XX/XXXX to XX/XX/XXXX but TransUnion and Equifax show no lates at all. 

Equifax shows the account as " current, '' while Experian says it's 120 days past due those cant both be right. 

There are old dispute remarks on this account, which tells me there have already been issues verifying the data. 

Basic details like the date opened and last active are different depending on the bureau. 

All of this raises red flags and suggests the account reporting is not accurate or reliable. Under the Fair Credit Reporting Act ( FCRA ), youre required to report only information that is 100 % accurate and verifiable and this account clearly isnt. 

Because of these issues, Im asking that you delete this XXXX XXXX account from my credit report entirely. If youre unable to verify and correct every detail, the FCRA says it shouldnt remain on my file

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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX paid {$320.00} XX/XX/XXXX paid {$1000.00} XX/XX/XXXX paid {$25.00} Cash app was used fraudently by other party to accept payments for non existing merchandise Cash app refuses to refund money after I disputed transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This is not the first time I have had to dispute unauthorized inquiries on my credit report. A repeated pattern of inaccurate and unauthorized access to my credit file is unacceptable and may constitute willful noncompliance with the FCRA.

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 2025-07-07 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: NJ

Complaint narrative:
Equifax is showing XXXX, XXXX, and XXXX late payments for XXXX through XX/XX/year>. However, both TransUnion and Experian show the account as paid and current during those exact months. Thats a clear and serious inconsistency. 

Under the Fair Credit Reporting Act ( FCRA ), you're required to report only accurate and verifiable information. If one bureau shows the account was paid on time and another shows multiple late payments, something is clearly wrong and the negative data can not be trusted.

Because this information is conflicting and cant be verified across all three bureaus, Im requesting that this XXXX XXXX account be completely deleted from my credit report. 

Please treat this as a formal dispute and send me the results of your investigation within the required 30 days.

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 2025-07-07 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 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:
To Whom It May Concern, I am filing this complaint against TransUnion for reporting inaccurate and unauthorized information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the credit bureau, the issues remain unresolved and continue to harm my credit profile.

TransUnion is reporting two addresses that are incorrect and were never associated with me : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX These addresses are not part of my current or previous residence history. Their presence on my credit report is misleading, inaccurate, and violates FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. 

Additionally, the following hard inquiries were added to my report without my knowledge or consent : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were unauthorized and are a direct violation of FCRA Section 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ], which states that credit bureaus may only furnish consumer reports with a permissible purpose and proper authorization. I never applied for credit from these entities and did not authorize any credit checks. 

I formally disputed these inaccuracies with TransUnion and requested deletion, but they failed to correct or remove the information within the required 30-day window, which is a violation of FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ].

These continued inaccuracies are damaging my creditworthiness and causing unnecessary emotional and financial stress. I am requesting that the CFPB investigate TransUnion for these violations and ensure they delete the inaccurate addresses and unauthorized inquiries from my credit file. I am also requesting that TransUnion provide a written confirmation and an updated credit report reflecting these corrections. 

Thank you for your assistance in this matter.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-07-07 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: MD

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

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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

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 : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX NY XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-07 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: CT

Complaint narrative:
I have reached out to each company repeatedly requesting that the inaccurate information be taken off of my credit report. They have failed to comply with my request on numerous occasions. This information is affecting me negatively.

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-07 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 reaching out to formally dispute a collection account that has been inaccurately reported on my credit file. I do not recall ever opening an account with the company in question and have not received any documentation validating the legitimacy of this debt. 
As required under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, verifiable, and complete. In this case, those requirements have not been met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX Bankruptcy 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 2025-07-07 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 have recently pulled my credit report and noticed multiple account that do not belong to me that are damaging to me moving forward and history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I have recently pulled my credit report and noticed multiple account that do not belong to me that are damaging to me moving forward and history.

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