vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
I give all three credit bureaus permission to proceed with complaints Subject : Failure to Remove Fraudulent XXXXXXXX XXXX Accounts Despite Identity Theft Reports To Whom It May Concern : I am filing this complaint against the three major credit bureaus Experian, TransUnion, and Equifax for continuing to report fraudulent XXXX XXXX accounts and other false information despite receiving valid identity theft documentation.

Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c2 ) : Requires credit bureaus to block fraudulent information within 4 business days upon receipt of : ( 1 ) a valid identity theft report ; ( 2 ) a list of disputed accounts ; and ( 3 ) proof of identity. I provided all of these.

FCRA 1681i : Requires bureaus to reinvestigate disputed information. Despite multiple disputes, the fraudulent XXXX XXXX accounts and other items remain on my file. 
FCRA 1681n & 1681o : Their refusal to block, remove, or properly reinvestigate constitutes willful and negligent noncompliance. 
Documentation Provided FTC Identity Theft Report # : XXXX XXXX Police Report # : XXXX / Tracking # XXXX Proof of identity & address List of fraudulent accounts and inquiries Fraudulent Accounts Still Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution Immediate removal of all fraudulent XXXXXXXX XXXX accounts and associated inquiries XXXX 
Removal of other fraudulent accounts and inquiries listed above. 
Deletion of inaccurate personal information ( names and addresses not belonging to me ). 
A full written explanation of why the fraudulent items were not previously blocked in compliance with FCRA 605B.

Monetary relief if applicable under FCRA 1681n and 1681o.

Hardship Statement The bureaus refusal to remove clearly documented identity theft accounts has caused me significant financial and emotional harm, including difficulty securing credit and ongoing stress. 
I respectfully request that the CFPB investigate this matter and require Experian, TransUnion, and Equifax to comply fully with the law. 

Sincerely, 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 2025-08-30 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: IL

Complaint narrative:
I give all three credit bureaus permission to proceed with complaints Subject : Failure to Remove Fraudulent XXXXXXXX XXXX Accounts Despite Identity Theft Reports To Whom It May Concern : I am filing this complaint against the three major credit bureaus Experian, TransUnion, and Equifax for continuing to report fraudulent XXXX XXXX accounts and other false information despite receiving valid identity theft documentation.

Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c2 ) : Requires credit bureaus to block fraudulent information within 4 business days upon receipt of : ( 1 ) a valid identity theft report ; ( 2 ) a list of disputed accounts ; and ( 3 ) proof of identity. I provided all of these.

FCRA 1681i : Requires bureaus to reinvestigate disputed information. Despite multiple disputes, the fraudulent XXXX XXXX accounts and other items remain on my file. 
FCRA 1681n & 1681o : Their refusal to block, remove, or properly reinvestigate constitutes willful and negligent noncompliance. 
Documentation Provided FTC Identity Theft Report # : XXXX XXXX Police Report # : XXXX / Tracking # XXXX Proof of identity & address List of fraudulent accounts and inquiries Fraudulent Accounts Still Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution Immediate removal of all fraudulent XXXXXXXX XXXX accounts and associated inquiries XXXX 
Removal of other fraudulent accounts and inquiries listed above. 
Deletion of inaccurate personal information ( names and addresses not belonging to me ). 
A full written explanation of why the fraudulent items were not previously blocked in compliance with FCRA 605B.

Monetary relief if applicable under FCRA 1681n and 1681o.

Hardship Statement The bureaus refusal to remove clearly documented identity theft accounts has caused me significant financial and emotional harm, including difficulty securing credit and ongoing stress. 
I respectfully request that the CFPB investigate this matter and require Experian, TransUnion, and Equifax to comply fully with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
I give all three credit bureaus permission to proceed with complaints Subject : Failure to Remove Fraudulent XXXXXXXX XXXX Accounts Despite Identity Theft Reports To Whom It May Concern : I am filing this complaint against the three major credit bureaus Experian, TransUnion, and Equifax for continuing to report fraudulent XXXX XXXX accounts and other false information despite receiving valid identity theft documentation.

Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 605B ( 15 U.S.C. 1681c2 ) : Requires credit bureaus to block fraudulent information within 4 business days upon receipt of : ( 1 ) a valid identity theft report ; ( 2 ) a list of disputed accounts ; and ( 3 ) proof of identity. I provided all of these.

FCRA 1681i : Requires bureaus to reinvestigate disputed information. Despite multiple disputes, the fraudulent XXXX XXXX accounts and other items remain on my file. 
FCRA 1681n & 1681o : Their refusal to block, remove, or properly reinvestigate constitutes willful and negligent noncompliance. 
Documentation Provided FTC Identity Theft Report # : XXXX XXXX Police Report # : XXXX / Tracking # XXXX Proof of identity & address List of fraudulent accounts and inquiries Fraudulent Accounts Still Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution Immediate removal of all fraudulent XXXXXXXX XXXX accounts and associated inquiries XXXX 
Removal of other fraudulent accounts and inquiries listed above. 
Deletion of inaccurate personal information ( names and addresses not belonging to me ). 
A full written explanation of why the fraudulent items were not previously blocked in compliance with FCRA 605B.

Monetary relief if applicable under FCRA 1681n and 1681o.

Hardship Statement The bureaus refusal to remove clearly documented identity theft accounts has caused me significant financial and emotional harm, including difficulty securing credit and ongoing stress. 
I respectfully request that the CFPB investigate this matter and require Experian, TransUnion, and Equifax to comply fully with the law. 

Sincerely, 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 2025-08-30 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 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 am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 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:
XXXX Inquiries need to be removed from Credit Report for Transunion. Not recognized.

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 2025-08-30 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: TX

Complaint narrative:
On XX/XX/XXXX Equifax reported correct balance for XXXX XXXX Bank on my reporting boosting my score XXXX points! Today they reversed the report and changed it in violation of FCRA and XXXX XXXX XXXX et seq and reported erroneously and volitionally causing my score to drop XXXX points. I have attached screen shots. XXXX reporting agencies can not report more than XXXX time a month of the furnishing creditors ONLY REPORTS TO BUREAUS ONCE A MONTH ON XXXX Each month. Please investigate this illegal behavior of Equifax this is not the first time Equifax has been sued and they will be sued by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
These inquiries are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to block fraudulent accounts upon receipt of proper identity theft documentation. Please removed these inquiries immediately to remain in compliance. 
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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act, I am disputing the following accounts. According to Section 609 ( a ) ( 1 ) ( A ), I have the right to request and receive evidence of account validation. Section 611 ( a ) ( 1 ) also requires a reasonable reinvestigation of disputed items. These accounts remain unverified. Please comply by removing them or providing legal proof of their legitimacy. 
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 2025-08-30 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Account info : MIDLAND CREDIT MANAGEMENT, account XXXX  XXXX, reported by XXXX. 
XXXX  XXXX : XXXX Reported XXXX : {$3500.00} Issue : Balance and payment history are inaccurate. Reporting does not comply with XXXX XXXX standards. 

Actions taken : I submitted disputes to XXXX  ( and other bureaus if applicable ) requesting full verification. XXXX  responded, but the account remains unchanged. 

What I want : I want XXXX  and Midland to provide full documentation verifying the debt, including the verifiers name, contact info, and original account documents. If they can not provide verification, delete the account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with DEPTEDXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPTEDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-08-30 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:
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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
my cash app was closed due to violating policy supposedly. i use my card just like everyone else. i want my account reopened and to stay opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Within the last thirty days I received a call from

Sentry Recovery trying to collect a debt from a rental property. I explained to the company that the amount I owe is false and to provide proof that I owe the amount. The representative refused to give me a name and stated, " ok we will call you back ''. 
On XX/XX/year>, I received an alert from XXXX XXXX that a collection account has been placed resulting in dropping my score nearly XXXX points.

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 2025-08-30 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 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 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 2025-08-30 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 observed that the incorrect accounts are still appearing on my credit report and were not removed. For this reason, I am requesting that the documents I attached be carefully reviewed to ensure this problem is fully resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
I dispute these accounts as they are not mine and appear to be fraudulent. Kindly delete them from my record and investigate. Enclosed is proof.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint because Regions Bank has repeatedly restricted my ability to access my own deposits. This is a separate matter from my previous fraud dispute complaint. 

Today, XX/XX/year>, Regions prevented any withdrawals from my checking account after my social security deposit showed up in my account, which left me unable to use my card to withdraw funds or link it to external payment services. When I attempted to link other Regions debit cards to XXXX XXXX and XXXX, the links were declined. I also discovered that when I tried to transfer funds, Regions forced only XXXX checking account to appear which was not the account with available funds, while hiding my savings account that held a positive balance. 

After the ATM declined twice and the receipt told me to call my institution which I did, the employee told me that she did not see anything wrong with my debit card and had no explanation or assistance on how to fix the issue. 

These actions restricted my access to my own funds, caused confusion, and created financial hardship. They are unfair and deceptive practices that violate my rights under federal consumer protection laws, including the Electronic Funds Transfer Act ( Regulation E ).

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