vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, XXXX of the XXXX major credit reporting agencies, regarding their failure to properly investigate and remove unauthorized hard inquiries from my credit report. 

I have identified multiple hard inquiries on my TransUnion credit report that I did not authorize. These inquiries were not initiated by me, nor did I give permission to the companies listed to pull my credit. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute information on my credit report that is inaccurate or the result of fraud or identity theft. 

I followed the proper dispute process with TransUnion, submitting a written dispute along with supporting identification and documentation. Despite my efforts, TransUnion has : Failed to provide a clear explanation or result of their investigation, Provided generic responses without addressing the specific nature of my dispute, Refused to remove the unauthorized inquiries or escalate the issue, Failed to act within the required 30-day period under the FCRA. 

This lack of resolution is negatively affecting my credit profile and causing undue stress and potential harm to my financial reputation. 

Requested Resolution : I am requesting that the CFPB investigate this matter and require TransUnion to : 1. Conduct a full investigation into the unauthorized hard inquiries in question.

2. Remove all unauthorized inquiries from my credit report.

3. Provide a written explanation of the results of their investigation. 

Inquires : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I never had an account at this place or ever took out a loan with this company. Its still listed on my credit report and standing in way of getting things I really need and its affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
Unauthorized inquiries continue to appear on my credit report despite my previous complaint and a representatives promise to remove them. These unapproved accesses are damaging my credit and may indicate identity theft. This is a serious issue thats causing personal distress and financial harm, and it needs to be resolved immediately.

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 2025-05-25 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 disputing a loan account reported by XXXX that was opened on or around XX/XX/year>, with a current reported balance of {$2600.00} and a charge-off status. 

I have never opened an account with XXXX, never applied for or received any loan from this company, and did not authorize anyone to open an account on my behalf. I only became aware of this account after reviewing my credit report. 

The account shows a charge-off and that it was previously disputed, but the outcome did not reflect my position. I still maintain that this account is not mine. 

I am requesting a full investigation into this matter and removal of the account if it can not be verified with valid documentation proving my responsibility.

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 2025-05-25 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: CA

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my credit report because they are hurting my ability to obtain new 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 2025-05-25 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: MI

Complaint narrative:
This letter serves as a follow-up and continued dispute regarding the XXXX XXXX account currently being reported as charged off with a balance, despite being closed and not in active collection. 

While I acknowledge receipt of an itemized account statement and a copy of what appears to be an e-signed application, these documents do not constitute verifiable proof of a legally binding obligation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ), you are required to report only information that is fully accurate, verifiable, and complete. 

Your submission lacks : A signed consumer contract showing my agreement to the specific terms of the loan/credit line Legal proof of my binding obligation beyond a generic application submission This documentation is insufficient to justify continued reporting of a derogatory tradeline that negatively affects my credit profile. I am formally requesting : Full removal of this tradeline from all consumer reporting agencies, OR Immediate update to reflect {$0.00} balance, with remarks stating " account closed no active collection or verified contract '' Failure to act within 30 days will result in formal complaints to the CFPB, FTC, and potentially a private right of action under the FCRA for negligent or willful noncompliance. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my credit report because they are hurting my ability to obtain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year>2025 Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Re : Debt Validation Request under FDCPA Account Number : [ Insert Account Number if known ] Amount : {$550.00} Dear Southwest Credit Systems, I am writing to formally dispute the validity of a collection account reported by your company on my credit report. I have no knowledge of this debt, and I do not acknowledge any responsibility for it. 
This is a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation : 1. Proof that I am legally obligated to pay this debt.

2. A copy of the original signed agreement with the original creditor.

3. An itemized statement of the alleged debt.

4. Proof of your authorization to collect debts in my state.

5. The complete chain of assignment from the original creditor to your agency.

Until this debt is properly validated, I request that all collection activities cease and that this account be removed from my credit report. If you have already reported this debt, you must inform the credit bureaus that the account is in dispute.

Failure to provide the requested validation within 30 days will require you to remove this item from all consumer credit reporting agencies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
2. ANTICIPATED VIOLATION OF 1681i - FAILURE TO CONDUCT REASONABLE REINVESTIGATION I am submitting disputes to Experian tomorrow ( XX/XX/year> ) under FCRA 1681i demanding verification of : Disputed Accounts : XXXX XXXX  : {$29000.00} charge-off ( Account : XXXX ) Verification Demands Include : Original signed contracts establishing debts Complete payment histories from inception to charge-off Legal standing documentation to report these debts IRS Form 1099-C compliance ( required for debt cancellations > {$600.00} ) Chain of title documentation if debts were transferred/sold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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 explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
am requesting a review of how Apple Card ( Goldman Sachs Bank ) reported late payments to my credit report despite being enrolled in autopay and undergoing an approved hardship during a medical crisis.

At the time of the missed payments, my husband was gravely ill and I was his primary caregiver. I had activated autopay on my Apple Card account and believed payments would process automatically. Unfortunately, my bank denied the transaction, and I was not properly notified of the failure until after the due date had passed. This oversight occurred during an incredibly emotional and overwhelming time, and my husband sadly passed away shortly after. 

I contacted Apple Card and explained the situation, including the hardship and my misunderstanding due to the autopay failure. I requested a goodwill adjustment to remove the late payments from my credit report, especially as the account has since remained in good standing. Despite my efforts and documentation of the hardship, my request was denied. 

I am asking the Consumer Financial Protection Bureau to investigate whether Apple Card provided sufficient notice regarding the autopay failure, and whether their refusal to offer a one-time goodwill removal despite clear hardship and long-term account responsibility is in line with fair credit reporting and hardship practices. 

Thank you for reviewing my complaint and helping ensure fair treatment for consumers facing extraordinary personal loss and financial challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I am disputing the reporting of a charged-off account by XXXX XXXX on my credit report. The account shows a charge-off status with a balance exceeding {$18000.00}, but XXXX has stated they did not issue a XXXX. This raises legal and factual inconsistencies, as under IRS rules, a canceled debt over {$600.00} typically requires XXXX reporting. 
If the debt was not canceled and no collection is ongoing, the continued charge-off reporting is misleading, unverifiable, and harms my creditworthiness. Ive asked both the creditor and credit bureaus for proper validation or removal, but have received no proof of accuracy or status. I am requesting the CFPB investigate this reporting and ensure it is either corrected or deleted in accordance with the FCRA and IRS guidelines.

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 2025-05-25 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: MI

Complaint narrative:
I am disputing the reporting of a charged-off account by XXXX XXXX XXXX XXXX credit report. The account shows a charge-off status with a balance exceeding {$18000.00}, but XXXX has XXXX they did not issue a XXXX. This raises legal and factual inconsistencies, as under IRS rules, a canceled debt over {$600.00} typically requires XXXX reporting. 
If the debt was not canceled and no collection is ongoing, the continued charge-off reporting is misleading, unverifiable, and harms my creditworthiness. Ive asked both the creditor and credit bureaus for proper validation or removal, but have received no proof of accuracy or status. I am requesting the CFPB investigate this reporting and ensure it is either corrected or deleted in accordance with the FCRA and IRS guidelines.

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 2025-05-25 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: GA

Complaint narrative:
Experian Credit Report Dispute Subject : Dispute of Inaccurate and Outdated Information on Credit Report Date : XX/XX/XXXX Re : XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccurate and outdated entries on my Experian credit report. I, XXXX XXXX XXXX, have reviewed my credit file and found numerous personal information items and account details that are either incorrect or no longer applicable. This inaccurate data is negatively impacting my credit standing and does not reflect my current and accurate information. 

The following entries are inaccurate and must be removed or corrected immediately : Incorrect Names : - XXXX XXXX XXXX - XXXX XXXX XXXX Incorrect Addresses : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Phone Numbers : - ( XXXX ) XXXX - ( XXXX ) XXXX - ( XXXX ) XXXX Incorrect Employer : - XXXX  Incorrect Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX ( A ccount Number ending in XXXX ) - This account is being reported as a collection with a balance of \ {$1400.00}, status updated as of XX/XX/XXXX. 
- I dispute the validity of this account and request that it be fully verified or removed from my report in compliance with the Fair Credit Reporting Act ( FCRA ). 

These inaccuracies misrepresent my identity and financial standing. I request that Experian conduct a full reinvestigation of each item listed above. In accordance with the FCRA, please remove or correct these items within 30 days of receipt of this letter unless they can be fully verified with accurate and current documentation. 

Please confirm receipt of this dispute and send an updated copy of my credit report showing the results of your investigation to the mailing address listed below. 

Sincerely, 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 2025-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: MI

Complaint narrative:
Company removed collections from my credit report and placed them back on my credit report. Company calls me everyday. The company is Americollect I did not authorize my information to be given to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the address and want that address removed from my credit report. 

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 2025-05-25 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Spoke With XXXX XXXX over the phone from Transunion XX/XX/XXXX Please have these Hard Inquiries removed immediately from my credit Report Thank you. These are fraudulent and was not done by me. I have no knowledge of these XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-25 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Incorrect information on my credit from Ford on XXXX. 

Incorrect inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation