vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX XXXX of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-08 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Specifically, this company failed to : Provide adequate communication regarding loan transfers between servicers, as confusion persists about account ownership, payment obligations, and repayment status. 

Inform me of all available repayment and forgiveness options, including income-driven repayment ( IDR ) programs that could have helped me remain in good standing and qualify for federal loan forgiveness. Instead, I was frequently directed toward forbearance options that accrued additional interest and unnecessarily extended my repayment timeline. 

Maintain appropriate communication protocols, as several servicers improperly contacted my cosigner with collection-related inquiries and demands rather than directing all communications to me, the primary borrower, as required. 

These failures collectively demonstrate negligence in the handling of my loans and a lack of transparency that prevented me from fully understanding or exercising my repayment rights under federal loan guidelines. I am requesting that this complaint be investigated thoroughly and that corrective measures be taken to ensure accurate records, fair consideration for applicable forgiveness or repayment programs, and assurances that similar mismanagement does not recur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : 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 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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
What Happened Citibank , N.A . ( The Home Depot Credit Services ) is reporting inconsistent and inaccurate data for my Home Depot Credit Account ( Acct. No. XXXX ) across the XXXX major credit reporting agencies XXXX XXXX XXXX XXXX 

Each credit bureau lists different account details, including : Date Opened conflicting start dates that do not match the original account documentation.

High Credit / Credit Limit reported values differ by hundreds of dollars between bureaus.

Payment Status inconsistent reporting such as Pays as agreed, Current, and Unknown. 

Date Last Reported different across all three CRAs, giving the false appearance of more recent activity. 

Comments / Account Type some reports show Revolving, others Charge Account or Closed, even though the account history is identical. 

Date Last Active / Date of Last Payment mismatched and non-sequential values inconsistent with Citibanks payment records.

Late Payment History inconsistent Date of Late Payment data, showing late statuses in months where no payment was due or received. 

These discrepancies render my credit file materially inaccurate and misleading to potential lenders and constitute clear violations of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and FCRA 1681s-2 ( b ) ( failure by a furnisher to provide consistent and accurate information to all CRAs ). 

I have previously disputed these inaccuracies in writing with all three consumer reporting agencies and with Citibank directly. 
Each dispute was sent by Certified Mail and received and signed for, as shown by my XXXX XXXX XXXX receipts ( XXXX XXXX. [ insert numbers ] ). 
Despite verified receipt, neither Citibank nor the CRAs conducted a meaningful reinvestigation or corrected the inconsistent data within 30 days as required by FCRA 1681i ( a ) ( 1 ) ( A ).

Citibanks failure to maintain uniform and accurate data has adversely affected my creditworthiness and violates both the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

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 2025-11-08 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: NJ

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccuracies on my credit report that have caused, and continue to cause, significant harm to my creditworthiness. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws. 
Accounts & Issues : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address This is also not associated with me and must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX Balance {$23000.00} Open Date XX/XX/year> Late Payment I dispute the accuracy of this late payment report. I demand verification under FCRA Section 611 and immediate correction. 
I am requesting that the credit bureau : Remove all incorrect addresses immediately. 
Correct all falsely reported late payments. 
Remove the unauthorized inquiry from XXXX XXXX. 
Confirm the completion of your reinvestigation in writing. 
I am prepared to provide documentation to verify my correct addresses and account histories. Failure to resolve these issues may result in further legal action and additional complaints to federal regulators. 
Requested Resolution : Full correction and/or deletion of inaccurate items as described above, with written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I need a copy of my early warning system report etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
On XX/XX/XXXX, I disputed several inaccurate and unverifiable items with TransUnion under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines. 
XXXX specific account, XXXX XXXX, opened XX/XX/XXXX, shows a {$200.00} limit and a {$450.00} charged-off balance. The tradeline now reports as XXXX / XXXX with remarks Charged off as bad debt | Canceled by credit grantor. 

TransUnion responded with the statement : Account information disputed by consumer, meets FCRA requirements. 

This response fails to provide the legally required documentation verifying the debt, such as the original signed contract, payment history, or Metro 2 formatted reporting data. I never received supporting evidence of the alleged balance increase from {$200.00} to {$450.00}. 

I believe TransUnion violated : XXXXXXXX XXXX XXXXXXXX ( b ) Duty to assure maximum possible accuracy XXXX XXXX. XXXX ( a ) Duty to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( b ) Furnisher duties after notice of dispute TransUnions generic compliance statement does not demonstrate a proper investigation and leaves unverifiable derogatory data on my consumer 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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding a cryptocurrency sale I made XX/XX/year> through XXXX  in connection with XXXX XXXX. The total value of the cryptocurrency I sold was {$5600.00}, and I was charged an {$84.00} fee. XXXX  confirmed that the sale was successful, yet my funds remain on hold without any valid reason or explanation. I did not purchase the cryptocurrency I sold through XXXX, so there should not be any restrictions, compliance reviews, or delays impacting this transaction. 

Despite multiple confirmations that the sale was completed, XXXX and XXXX XXXX have repeatedly changed the projected availability date for my funds, moving it further out each time without notice or justification. Each inquiry I make results in conflicting or vague explanations, none of which address why the funds continue to be held. 

Additionally, the {$84.00} fee charged for this transaction was excessive and not properly explained, especially considering the funds are being withheld. XXXX lack of transparency and accountability regarding cryptocurrency transactions is deeply concerning and has caused significant inconvenience and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
Upon reviewing my credit report, i noticed a late payment listed on my XXXXXXXX XXXX XXXXXXXX that i believe is inacurate. I have maintained on time payments and do not have documentation shoing that this payment was legitimatly 30 days late. 

I am requesting a full invistigation and verification of this late payment. if the creditor is unable to provide sufficiant evidence, I am asking that the record be updated to reflect accurate reporting

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 2025-11-09 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: MN

Complaint narrative:
This is not my bill, and XXXX XXXX has never notified me of any outstanding balance. I have never received a call or written notice from this company about this debt, and I have never signed a contract with a third-party collection agency. I have no idea who these companies are, and I expect this collection to be removed from my credit report immediately. Since my information was exposed to identity theft, I continue to see these negative items on my credit report due to the Equifax and TransUnion data breaches. Experian, TransUnion, and Equifax also continue to VERIFY information on my credit reports WITHOUT updating it. However, they make it very easy to keep adding accounts that do not belong to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: MN

Complaint narrative:
This is not my bill, and XXXX XXXX has never notified me of any outstanding balance. I have never received a call or written notice from this company about this debt, and I have never signed a contract with a third-party collection agency. I have no idea who these companies are, and I expect this collection to be removed from my credit report immediately. Since my information was exposed to identity theft, I continue to see these negative items on my credit report due to the Equifax and TransUnion data breaches. Experian, TransUnion, and Equifax also continue to VERIFY information on my credit reports WITHOUT updating it. However, they make it very easy to keep adding accounts that do not belong to me..

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app. Closed my account in XX/XX/year>. Because they said I broke a rule of our agreement. I asked they would tell me what rule or why. They just closed my account. I use my account to send money to family and friends. I vend XXXX XXXX sometimes when a event is available. 
I have no idea why closed my account. But it's hurting my and my family, friends and customers.i would like my account back please. I feel they closed my account cause I never. Pay fees to get money sent to me. I always wait the 2 to 4 days to get it so they make no money off of me. Please help Thanks XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NV

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate and fraudulent items on my credit report. These errors have caused significant harm to my creditworthiness and must be investigated and corrected immediately. 

1. Incorrect Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with me and any reporting linked to these locations is erroneous. 

2. Charge-Off Accounts ( I have no knowledge of these accounts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, Balance : {$1000.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, Balance : {$1000.00} ) These charge-offs are not my responsibility. I demand that these accounts be fully investigated and deleted from my credit report. 

XXXX. Collection Accounts ( I have no knowledge of these accounts ) : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never authorized, opened, or made payments on these accounts. I demand deletion of all these collection accounts immediately.

4. Late Payment Accounts ( Reported inaccurately ) : XXXX XXXX XXXX XXXXXXXX through XXXX XXXXXXXX ( various balances and dates listed ) I have never made any late payments on these accounts. The reporting of these late payments is false and violates the Fair Credit Reporting Act ( FCRA ). I demand a correction of the account history to remove all inaccurate late payments. 

I request that the CFPB investigate these matters promptly and ensure that all inaccuracies are removed or corrected immediately. I also request written confirmation of all actions taken in response to this complaint. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts and inquiries listed below as they may have been compromised and reported due to the TransUnion data breach. Under the Fair Credit Reporting Act ( FCRA ) 602 and 611, I am requesting an immediate investigation and permanent deletion of any unverifiable or unauthorized accounts or inquiries associated with my personal credit file. 
The following accounts are being disputed due to the data breach : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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