vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple Fraudulent inquiries. I have no knowledge of these inquiries and need them removed immediately. This is my 2nd attempt reporting these unauthorized accounts : 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 non-monetary relief
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
I disputed inaccurate reporting on my credit report for credit cards that were included in my XXXX  XXXX bankrupsy filed on XX/XX/year>. The creditors failed to update the tradeline and is reporting charge offs and past due balances after the bankrupsy filing date. This violates the FCRA and the Bankrupsys code for automatic stay. 

I filed for XXXX  XXXX bankruptcy on XX/XX/year>XXXX  ( XXXX XXXX. XXXX ). This creditor continues to report this account as delinquent or charged off after the bankruptcy filing date. 

Under the Fair Credit Reporting Act ( FCRA ) and Bankruptcy Code 362, creditors are prohibited from reporting derogatory information once a bankruptcy petition is filed. 

I mailed a formal dispute to the credit reporting agencies, including Experian, with documentation showing that this account was included in the bankruptcy. The creditor has either failed to update the tradeline or is continuing to report the account incorrectly. 

I am requesting that the CFPB take action to ensure this account is updated to reflect : Included in Bankruptcy {$0.00} balance No charge-offs, collections, or delinquencies after XX/XX/year>XXXX  Accounts are as listed below : | Creditor | Account Ending 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 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed inaccurate reporting on my credit report for credit cards that were included in my XXXX  XXXX bankrupsy filed on XX/XX/year>. The creditors failed to update the tradeline and is reporting charge offs and past due balances after the bankrupsy filing date. This violates the FCRA and the Bankrupsys code for automatic stay. 

I filed for XXXX  XXXX bankruptcy on XX/XX/year>XXXX  ( XXXX XXXX. XXXX ). This creditor continues to report this account as delinquent or charged off after the bankruptcy filing date. 

Under the Fair Credit Reporting Act ( FCRA ) and Bankruptcy Code 362, creditors are prohibited from reporting derogatory information once a bankruptcy petition is filed. 

I mailed a formal dispute to the credit reporting agencies, including Experian, with documentation showing that this account was included in the bankruptcy. The creditor has either failed to update the tradeline or is continuing to report the account incorrectly. 

I am requesting that the CFPB take action to ensure this account is updated to reflect : Included in Bankruptcy {$0.00} balance No charge-offs, collections, or delinquencies after XX/XX/year>XXXX  Accounts are as listed below : | Creditor | Account Ending 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-01 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased two vehicles recently ( XXXX & XX/XX/year> ) only authorizing those respective hard inquiries. XXXX hard inquiries are noted on my credit report which are UNAUTHORIZED via TransUnion, it should only be three authorized. 

XXXX. XXXX XXXX XXXX  ( XXXX ) XX/XX/year> XXXX. XXXX XXXX ( XXXX ) XX/XX/year> XXXX. TD AUTO ( NOT AUTHORIZED ) XX/XX/year> XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year> XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year> XXXX. XXXX XXXX ( NOT AUTHORIZED ) XX/XX/year> XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year> XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XX/XX/year> XXXX. XXXX XXXX  ( NOT AUTHORIZED ) XXXX XXXX  10. TD AUTO FIN ( NOT AUTHORIZED ) XXXX XXXX  11. XXXX XXXX ( NOT AUTHORIZED ) XXXX XXXX 12. XXXX XXXX ( AUTHORIZED & DECLINED TOO MANY HARD INQUIRIES ) XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I have debt on my credit report from this company XXXX debt collection. I looked deeper into it and the debt is coming from a milestone credit card that I never had THIS IS A RESULT OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing an inaccurate bankruptcy remark reported by XXXX ( XXXX XXXX XXXX on a charge account that was : Closed on XX/XX/year> Paid off with a {$0.00} balance Not delinquent ( XXXX late payments ) Never charged off or sent to collections Despite this, the account now includes a XXXX  XXXX bankruptcy remark. However, my XXXX  XXXX case was filed after this account was closed, and it was not part of the bankruptcy estate. This is materially inaccurate and : Violates FCRA 1681e ( b ) reporting must be accurate Violates FCRA 1681s-2 ( b ) furnishers must correct after dispute Violates UDAAP by presenting false derogatory data to lenders This false flag is damaging my ability to rebuild credit post-bankruptcy and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing an inaccurate bankruptcy remark reported by XXXX ( XXXX XXXX XXXX on a charge account that was : Closed on XX/XX/year> Paid off with a {$0.00} balance Not delinquent ( XXXX late payments ) Never charged off or sent to collections Despite this, the account now includes a XXXX  XXXX bankruptcy remark. However, my XXXX  XXXX case was filed after this account was closed, and it was not part of the bankruptcy estate. This is materially inaccurate and : Violates FCRA 1681e ( b ) reporting must be accurate Violates FCRA 1681s-2 ( b ) furnishers must correct after dispute Violates UDAAP by presenting false derogatory data to lenders This false flag is damaging my ability to rebuild credit post-bankruptcy and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
For account XXXX I have completed all necessary requirements to be eligible to receive the {$200.00} account promotional bonus for Set up and receive qualifying monthly direct deposits totaling at least {$300.00} each month However it is now past XX/XX/XXXX and I have not yet received my bonus. Can I please get an update on this? Thank you Promo code used upon account opening is XXXX Account XXXX Account email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : DEPT OF ED, Account XXXX, Amount XXXX, Date opened XX/XX/XXXX DEPT OF ED, Account XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number XXXX, Amount XXXX, Date opened 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g ( FDCPA ) Account Number : XXXX To Whom It May Concern : This letter is a formal request for validation of a debt you claim I owe. I recently obtained a copy of my credit report and noticed a collection account listed under your name with the following details : Creditor : XXXX XXXX XXXX Funding Account Number : XXXX Balance : {$350.00} Date Opened : XX/XX/XXXX Reported Past Due : XX/XX/XXXX As provided by the Fair Debt Collection Practices Act, I am requesting that you provide competent evidence that I am legally obligated to pay this debt. Please provide the following : 1. A full accounting of the alleged debt, including all charges, interest, and fees.

2. The name and contact information of the original creditor.

3. A copy of the signed agreement or contract that legally obligates me to this debt.

4. Proof that your agency owns or has been assigned the debt and is legally authorized to collect it.

5. Your license number and proof you are authorized to collect debts in my state.

While I investigate this matter, I request that you cease all collection efforts and refrain from reporting this account to any credit bureaus until validation is complete. 
If you are unable to provide the documentation requested, you must delete this account from my credit report and stop any further collection actions. 
This letter is not an acknowledgment or acceptance of any liability for the alleged debt. I am merely exercising my right to request validation under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I found via letter to an old address that if I don't transfer my balance by XXXX, Cash App would send my balance to the state of Texas as their property. 1 ) I never got an email notification. 2 ) I tried to login, but my account was gone 3 ) I never got an email notification that my account would close.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you wil investigate these itemsfor me to ensure accuracy. 
Here is the item XXXX asking you to verify as accurate. 
XXXX  XXXX XXXX xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with AMEX or any of the affiliates. I have confirmed and advised AMEX that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how AMEX approved a credit under my name, without doing any further review and confirmation. Given the fact that AMEX has the right to investigate and obtain all necessary information prior to approving any credits, AMEX has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, AMEX must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of XXXX along with the Federal laws that AMEX must comply with prior to approving any credit card/lines to anyone. Pursuant to AMEX 's online advertisement, AMEX encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from AMEX stating that my information was used or attempted to be used in order to open an account. Thus, AMEX has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, AMEX violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under XXXX  's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for AMEX to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this 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 2025-08-01 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: OK

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 : 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 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 2025-08-01 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: UPGRADE, INC.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with UPGRADE inc or any of the affiliates. I have confirmed and advised UPGRADE inc that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how UPGRADE inc approved a credit under my name, without doing any further review and confirmation. Given the fact that UPGRADE inc has the right to investigate and obtain all necessary information prior to approving any credits, UPGRADE inc has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, UPGRADE inc must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of XXXX along with the Federal laws that UPGRADE inc must comply with prior to approving any credit card/lines to anyone. Pursuant to UPGRADE inc online advertisement, UPGRADE inc encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from XXXX stating that my information was used or attempted to be used in order to open an account. Thus, UPGRADE inc has failed its duty, under XXXX consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, UPGRADE inc violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under XXXX  's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for UPGRADE inc to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OK

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief