vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint because several Charge-Off accounts continue to appear on my TransUnion and XXXX  credit reports, even after being disputed and resolved or lacking proper verification. Specifically : A XXXX XXXX XXXX XXXX ( XXXX XXXX ) account marked as Charged-Off in TransUnion. 

A XXXX XXXX XXXX account reported as Charged-Off in both TransUnion and XXXX, despite a {$0.00} balance. 

A XXXX XXXX account marked as Charged-Off in TransUnion. 

A Charge-Off in XXXX  listed with no creditor name, only an account ID ending in XXXX. 

In early XX/XX/year>, I sent formal written requests to both bureaus with all required documentation ( ID, proof of address, Social Security card ) asking for these accounts to be removed. I explained that the information was inaccurate, outdated, or unverifiable, and causing continued financial harm. As of today, no proper correction has been made.

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 2025-07-10 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-07-10 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-10 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: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion or establishment. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these fraudulent accounts from my report as required under the Fair Credit Reporting Act. Their presence has caused significant XXXX XXXX XXXX XXXX as they inaccurately represent my credit history and financial responsibilities that are not mine. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home, securing favorable loan terms, and meeting the essential needs of my family. The continued reporting of these identity theft-related accounts violates federal consumer protection laws and causes ongoing harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : XXXX  Subject : Fraudulent Account Request for Investigation and Immediate Block Under FCRA ( 15 U.S.C. 1681c-2 ) Dear XXXX, I am writing to dispute and request the immediate removal of a fraudulent collection account that appears on my credit report. This account is the result of identity theft, in which a family member used my personal information without my knowledge or consent to obtain an apartment. 
Disputed Account Information : Creditor / Collection Agency XXXX XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Amount : {$3000.00} This account is not mine and was opened without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block the reporting of any information that is the result of identity theft when a proper identity theft report has been filed and submitted. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit bureaus to block reporting of information resulting from identity theft within four ( 4 ) business days of receiving : o Proof of identity o An identity theft report ( FTC or police ) o Identification of the disputed information o A statement by the consumer that the account is not theirs FCRA 611 ( 15 U.S.C. 1681i ) Requires a full reinvestigation of disputed items and removal of any unverifiable or inaccurate accounts. 
XXXX  I am formally requesting that this fraudulent collection account be : 1. Blocked from my credit report immediately in compliance with FCRA 605B.

2. Deleted permanently from all future reporting.

3. I receive written confirmation of the results of your investigation within the required 30-day period.

Included with this letter are the following supporting documents : 1. A copy of the Identity Theft Report filed with the Federal Trade Commission ( FTC ).

2. A copy of my government-issued ID and proof of current address.

3. A written statement of dispute clearly stating that this account is the result of identity theft. 
This matter is serious and is already documented with the proper federal authorities. If this issue is not resolved in accordance with the law, I will not hesitate to file complaints with the, XXXX XXXX XXXX XXXX XXXX XXXX and my State Attorney General. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Today on XX/XX/year>XXXX  I submitted this letter to them after finding no resolution through endless chats and emails with the company since XX/XX/year>XXXX  : Ive had my Cash App account and funds active for quite some time. I personally purchased all the stocks and XXXX associated with this account, which is directly linked to my bank account. 

I just got off the phone with your customer service team, who instructed me to reply to this email. You're now claiming the account was opened with someone elses Social Security number that is absolutely not true. You are the only party with the ability to verify what Social Security number is associated with the account. 

So Im asking you directly : Which Social Security number do you have on file? Im not asking for the full number, but if it ends in XXXX  then that is mine. If it ends in -XXXX, then that is my ex-husbands, and there is clearly a serious mistake on your end. 

If it turns out that the wrong Social Security number is attached to my account, I will take the necessary steps to close the account. However, please be advised that I will also initiate legal action, as this constitutes a serious breach of security and is not the result of any action on my part. 

This account is still linked to my personal bank account. How is that possible if the identity associated with it is supposedly incorrect? I need answers. 

Furthermore, I am being forced to sell my crypto assets, which may result in financial losses this borders on securities fraud. If this situation is not resolved promptly, I will pursue formal legal claims against Cash App.

Please respond and confirm which Social Security number is on file so we can determine the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
on XX/XX/year> a demand for full accounting was sent to discover and i havent recieved a response from the company. 

REQUEST FOR FULL ACCOUNTING Please provide a full and complete ledger of all financial activity on the referenced account, including but not limited to : All debits and credits, from origination to present The total dollar amount paid to date by me and any applied finance charges, interest, or fees The original source of funds used to extend the credit line A copy of any financial instrument or agreement transferred, assigned, or pledged to any XXXX XXXX  Any XXXX, XXXX, XXXX, or XXXX forms generated by XXXX in relation to this account The accounting ledger entries used to book the application or line of credit XXXX. VERIFICATION OF CONTRACT AND AUTHORITY Please provide : A complete copy of the original credit application signed by myself, including electronic signature XXXX ( if applicable ) Disclosure of any internal or external funding mechanisms used to support the issuance of credit Proof of lawful consideration provided by Discover Financial Services under XXXX Article XXXX Identification of the account or fund Discover used to lend any alleged money XXXX. DEMAND FOR SECURITIZATION AND MONETIZATION DISCLOSURE Please disclose : Whether the referenced credit application or account has been monetized, securitized, hypothecated, XXXX, or assigned to any XXXX  investor, trust, or special purpose vehicle ( SPV ) Any associated CUSIP numbers or securities filings related to this account The name of any XXXX, trustee, or entity involved in managing any instrument created from this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-10 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: KY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: UT

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MO

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 MO XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collection Services, Inc. (OK, TX)
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX, OK XXXX [ Account # XXXX ] Subject : Request for Validation of Medical Debt Under FDCPA & FCRA To Whom It May Concern, This letter is a formal request for debt validation regarding a medical debt you claim I owe. I was recently notified of this account via [ a letter from your office/ my credit report ], and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Please be advised that I do not acknowledge this debt, and I am requesting the following documentation in accordance with 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) to validate your claim : XXXX  Please Provide the following Documentation : 1. Original Signed Contract or Agreement o Provide the signed agreement that created the obligation between me and the original creditor ( medical provider ), not just a summary or billing statement. 

2. Itemized Statement of Charges o A full breakdown of all charges from the medical provider, including dates of service and services rendered.

3. Proof of Chain of Custody/ Assignment of Debt o Documentation showing you have legal ownership of or authority to collect this debt, including the contract of assignment or purchase agreement.

4. Proof of Licensing o Documentation that your company is licensed to collect debt in my state and is in good standing.

5. Proof of Adherence to Medical Debt Reporting Laws o If you reported this debt to any credit bureau, confirm : o The debt is over {$500.00} ( required as of XX/XX/XXXXXXXX  under CFPB/FCRA guidelines ), o It has been at least one year since the date of service, o The debt is unpaid, and o It has not been paid by insurance or otherwise resolved. 
6. Notice of Rights Under FDCPA o A copy of the original 30-day validation notice, if this is your first communication with me.

Company response to consumer: Closed with explanation