vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX XXXX XXXX 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 2025-09-17 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:
PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Yes from XX/XX/XXXX to XX/XX/XXXX my cash app was compromised stating from XXXX I am now homeless I got evicted I haven't seen my kids in 3 months haven't had a job because I lost it all cuz somebody stole my cash app and stole all my money and I've got {$120.00} back out of XXXX I have all the documents that prove ain't none of them my devices that made these payments and I'm also in XXXX I'm not in XXXX I've given nobody permission to spend all my money I'm not I don't do that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX I ordered 6 items from XXXX XXXX in XXXX NY. The company ( store ) switched my order purposely and gave me someone elses order, after I gave a tip and called back the driver immediately after opening the meal and seeing that it wasnt my order. I then tried to contact XXXX support for a reshipment of the item, a refund, XXXX credits, anything to compensate for my troubles ( order was over {$50.00} ) the order I recieved was about {$20.00}. They denied me, claiming that I abused the refund policy, but I havent used XXXX  XXXX  in over a year. Due to this, I contacted my bank, gave them the picture of my actual order that is shown on the XXXX XXXX XXXX the receipt of the order I recieved ( which clearly shows a difference in food, my contact information, etc ). Also gave evidence that I tried contacting XXXX XXXX for hours. Chime denied my claim the first time, even though I provided clear proof that I did not recieve the order I wanted ( me and my friend who I ordered for did not even eat the food because it was a completely different order ). After chime denied the claim, I was very upset with the company I have been with for over 2-3years, this is not the first time they declined a dispute of mines that I showed clear concise evidence that the merchant is basically stealing money. They re opened another dispute and with more evidence that I recieved the wrong order, they deny it again. A lot of these corporations consistently try to hide their bad product or service with aggression towards the consumer as if we are doing something wrong. If I did not receive my order, I expect a refund. This goes with every service I receive because Im paying my hard earned money on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Consumer Reporting Agency Name : [ XXXX  / XXXX  / XXXX  To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i. I dispute the accuracy and completeness of the items listed above in my consumer file and demand a prompt and thorough reinvestigation. The items are inaccurate, incomplete, and/or unverifiable, and your continuing publication of these items harms my reputation and creditworthiness. 

Specifically : 1. The listed account ( s ) are inaccurate and paid off : XXXX, Navy Federal, and XXXX XXXX 
2. Under 15 U.S.C. 1681i you must : ( a ) conduct a reasonable reinvestigation of these disputed items, ( b ) forward all relevant information I provide to the furnisher ( s ), and ( c ) delete or permanently correct any information that can not be verified.

Demand : If you can not verify each disputed item with complete, documented, primary-source proof within 30 days of your receipt of this letter, I demand that you delete the item ( s ) permanently from my file, cease distributing the item ( s ) to any third parties, and provide me written confirmation of deletion and an updated credit file. If you determine my dispute is frivolous, you must notify me in writing and identify the basis for that determination.

Legal Notice : Furnishers and CRAs have strict duties to ensure accuracy. If you fail to conduct a reasonable investigation or continue to report inaccurate or unverifiable information, I will pursue all remedies available under the FCRA, including statutory damages for willful violations ( 15 U.S.C. 1681n ), actual damages, and attorneys fees.

Please treat this dispute with high priority. I expect written confirmation you received this dispute and a summary of steps you will take to investigate within 5 business days, and completion of the reinvestigation within 30 days as required by law. If you do not delete unverifiable information, please provide ( a ) copies of the documentation and source used to verify each item, ( b ) the identity and contact information of the furnisher, and ( c ) the name and title of the person who verified it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AZ

Complaint narrative:
I am disputing the reporting of personal information on my credit report that is not mine. The information being reportedwhether it is a name, Social Security number variation, date of birth, phone number, or any other identifying detailis inaccurate and does not belong to me. This false information is misleading, potentially harmful, and may indicate identity theft or reporting errors.

Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and the permanent removal of all unknown or unverifiable personal information from my credit file. Continuing to report inaccurate data is a violation of my consumer rights under federal law. 

I demand prompt correction of these inaccuracies and written confirmation once the false personal information has been deleted from my credit report.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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 have ask for reinvestigation into fraudulent accounts that are on my credit report in writing. To this date I have yet to receive any reinvestigations in writing or an updated credit report/score.

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 2025-09-17 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: TN

Complaint narrative:
I am writing to dispute inaccurate and potentially fraudulent items listed on my Experian credit report. Given Experians prior data breaches compromising consumer information, I have strong reason to believe these accounts and the inquiry may be connected to identity compromise or reporting errors. 
The following items are disputed : 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 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 2025-09-17 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-09-17 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: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Consumer Reporting Agency Name : [ XXXX / XXXX  / XXXX  To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i. I dispute the accuracy and completeness of the items listed above in my consumer file and demand a prompt and thorough reinvestigation. The items are inaccurate, incomplete, and/or unverifiable, and your continuing publication of these items harms my reputation and creditworthiness.

Specifically : 1. The listed account ( s ) are inaccurate and paid off : XXXX, XXXX XXXX, and synchrony bank. 
2. Under 15 U.S.C. 1681i you must : ( a ) conduct a reasonable reinvestigation of these disputed items, ( b ) forward all relevant information I provide to the furnisher ( s ), and ( c ) delete or permanently correct any information that can not be verified.

Demand : If you can not verify each disputed item with complete, documented, primary-source proof within 30 days of your receipt of this letter, I demand that you delete the item ( s ) permanently from my file, cease distributing the item ( s ) to any third parties, and provide me written confirmation of deletion and an updated credit file. If you determine my dispute is frivolous, you must notify me in writing and identify the basis for that determination.

Legal Notice : Furnishers and CRAs have strict duties to ensure accuracy. If you fail to conduct a reasonable investigation or continue to report inaccurate or unverifiable information, I will pursue all remedies available under the FCRA, including statutory damages for willful violations ( 15 U.S.C. 1681n ), actual damages, and attorneys fees.

Please treat this dispute with high priority. I expect written confirmation you received this dispute and a summary of steps you will take to investigate within 5 business days, and completion of the reinvestigation within 30 days as required by law. If you do not delete unverifiable information, please provide ( a ) copies of the documentation and source used to verify each item, ( b ) the identity and contact information of the furnisher, and ( c ) the name and title of the person who verified it.

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 2025-09-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-17 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: TN

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, unverifiable, and fraudulent information on my TransUnion credit report ( XXXX XXXX. : XXXX, Credit Report Date : XX/XX/XXXX ), which stems from identity theft connected to the XXXX  Data Breach ( Breach Control Number : XXXX ). 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Status : Charged Off Balance {$110.00} Issue : Unverifiable account with no signed contract ; inconsistent payment and charge-off history. 
XXXX XXXX XXXX Status : Charged Off Balance {$6200.00} ( Closed XX/XX/XXXX ) Issue : Unauthorized/fraudulent account, unverifiable debt, reported with inconsistent dates and charge-off entries. 

TransUnion has been formally notified of the identity theft and my demand for deletion via certified mail dated XX/XX/XXXX. Non-compliance within 30 days will constitute willful violation of the FCRA. 
I am requesting the CFPB to ensure compliance and provide assistance in correcting my credit report.

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 2025-09-17 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: TN

Complaint narrative:
I

am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 filing this complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), including failure to maintain accurate records, failure to conduct a reasonable reinvestigation, and failure to provide the required method of verification. 

After obtaining my credit report from XXXX, I identified multiple inaccuracies in both my personal information and account tradelines. Despite submitting disputes with proper identification and documentation, the bureaus have failed to correct the errors or provide adequate responses. Instead, they have issued generic verified letters without meeting their statutory obligations under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed Items Include ( but are not limited to ) : Incorrect Personal Information : Outdated addresses ( XXXX XXXX XXXX XXXXXXXX TX ; XXXX XXXX XXXX, XXXX MI ) and incorrect employer ( XXXX XXXX  ). 

Collections : XXXX XXXX XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ). 

Charge-Offs / Late Payments : XXXX XXXX XXXX XXXX XXXX Acct : XXXX ), XXXX ( Acct : XXXX ), XXXX XXXX XXXX ( Acct : XXXX ) XXXX XXXX ( Acct : XXXX ). 

These tradelines and personal identifiers are reporting inaccurately and/or can not be verified as required by law. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or inaccurate data must be corrected or deleted entirely.

Violations by the Bureaus : Failure to follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ).

Failure to conduct a reasonable and good-faith reinvestigation ( 1681i ( a ) ( 1 ) ).

Failure to provide a clear method of verification, including the name and contact of parties who verified the accounts ( 1681i ( a ) ( 7 ) ).

Failure to provide a full file disclosure, including all data, inquiries, and certifications as required under 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RESPONSE TYPE Closed with non-monetary relief I am disputing the companys claim that this matter was resolved. The response was marked Closed with non-monetary relief, but the alleged debt was already resolved with XXXX XXXX XXXX prior to LVNV/Resurgents involvement. Despite this, the company continues to report inaccurate information to the credit bureaus. 
The company has failed to provide : Documentation showing an outstanding balance after my resolution with XXXX XXXXXXXX XXXX 
A complete chain of title proving ownership and authority to collect. 
Removal of the tradeline from my credit reports. 
Since this matter was already resolved with the original creditor, the continued reporting of this account is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting CFPB reinvestigation, deletion of this tradeline, and confirmation that Resurgent/LVNV has ceased collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-09-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation