vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-12-08 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-08 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I got scammed for XXXX dollars, through 2 transactions, from a XXXX XXXX seller selling a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I assumed the mortgage as successor in interest through a mortgage modification after my husbands death. Rocket is keeping the mortgage in my deceased husband 's name for the next forty years and told me that I will get no positive impact from paying the mortgage on my credit since I am not qualified for this reporting as the widow of the original signer - unless I refinance in my name. They also said that if they were to report on my credit - then they would report any negative factors as well on my credit? prior to my assuming the mortgage that occurred under my late husband 's name. 


From : XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX  XXXX, Thank you for reaching out regarding this matter. I have been working with our credit reporting team to get an answer to this question. Because of the way that this loan modification is structured and because XXXX 's name is still on the loan ( it has to be ), there is no reporting on this loan. The guidelines from XXXX XXXX XXXX XXXX say that because we can not separate the original borrower from the person assuming the loan, we can not report it. If we did that, then we would need to report you for being almost 24 months in default on the first reporting. Basically, we would have to report you as in serious default to report fairly, accurately, and timely in order to be within legal guidelines. 
XXXX, As per my last email, I don't have any further to add to what I've already stated. These are the guidelines from the CDIA, and these are the rules that Rocket follows. If you have any questions regarding this, I would encourage you to reach out to us at ( XXXX ) XXXX. 

I don't have anything else to add to this XXXX. The only way that Rocket Mortgage will report this to the credit bureaus is if you refinance the loan. Other than that, Rocket will not be reporting. 

Rocket Logo XXXX XXXX Default Resolution Specialist | Rocket Mortgage T ( XXXX ) XXXX Rocket Logo XXXX XXXX Default Resolution Specialist | Rocket Mortgage T ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal charged my credit card for a cash advance/money transfer when it was for physical goods ordered online. I got a fee from my credit card because of this. 

This happened on XXXX separate transactions. 

{$21.00} on XX/XX/year> {$11.00} on XX/XX/year> I was able to find the merchant category code for the second one, it's 6051. This is fraudulent because it was physical goods purchased online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-12-08 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ABC Finance Co.
State: MD

Complaint narrative:
b'ABC Finance Co is reporting a collection tradeline on my credit file that is false inaccurate and not supported by any documentation. I have never received any signed contract itemized billing statement proof of membership usage or any form of validation linking me to this alleged XXXX XXXX account. The dates the balance and the address being reported do not match my records and are incorrect. Because ABC Finance Co failed to provide any evidence this reporting violates my rights under the Fair Credit Reporting Act Sections 607 611 616 617 and 623 which require maximum possible accuracy proper reinvestigation and deletion of unverifiable data.\nI requested proof and none was provided. No signed membership agreement exists no proof of use has been shown and no validation linking me to this alleged debt has been produced. ABC Finance Co is reporting unverifiable inaccurate and unvalidated information which cannot legally remain on my credit report. I am demanding that this false tradeline be removed from my XXXX XXXX XXXX XXXX  credit files within 15 days. If this is not corrected immediately I will pursue enforcement through the CFPB the FTC and my state Attorney General as well as private legal claims for statutory and actual damages under FCRA Sections 1681n and 1681o.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I didnt approve of this transaction. Im from XXXX  & im currently in XXXX with friends. I asked one of the people that was with us to take a couple of pictures for us & when I checked my bank account later that night I noticed that person had sent there self {$120.00} without my knowledge using cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I live XXXX miles from a Wells Fargo ATM or branch. It is ridiculous for a bank to charge a fee for not using their atm. The atm already charges a fee, I tried finding out the total I have spent On atm fees but was unable to.

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 2025-12-08 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: SC

Complaint narrative:
I am sending this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. 
Additionally, I have been affected by multiple national data breaches other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If the furnisher can not produce valid documentation containing my signature, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Requested Action ( Required Under Federal Law ) Under FCRA 605B, 607 ( b ), 611, and FDCPA requirements, I am requesting that The CFPB Conduct a reasonable reinvestigation Block and delete any identity theftrelated or unauthorized information Remove all unverifiable, inaccurate, or mixed-file data Provide written results of the reinvestigation Provide copies of ALL documentation used to verify disputed items ( per FCRA 609 ( a ) ) If any furnisher can not provide legally valid documentation including signed contracts, billing statements, or proof of permissible purpose the information must be deleted, not updated. 
Applicable Federal Statues FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA 807809 Prohibits false, deceptive, or unverifiable collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I am submitting this letter as the consumer whose credit file continues to show several late-payment entries that do not align with the factual history of my accounts. I am formally disputing these inaccuracies under the protections granted to me by FCRA 611 ( 15 U.S.C. 1681i ), which guarantees my right to dispute and request a reinvestigation of information that appears incorrect or unverifiable. I am also invoking my rights under FCRA 623 ( a ) ( 2 ), which requires furnishers of information to promptly correct and update any account data that they are reporting inaccurately, as well as FCRA 609 ( 15 U.S.C. 1681g ), which provides me the right to a full and complete disclosure of all information being reported about me.The issues I am identifying below relate to late-open accounts that appear differently across Experian, Equifax, and TransUnion. The dates of opening, dates of last activity, and the month-tomonth late payment entries do not align when compared to one another, which is a direct violation of the requirement for maximum possible accuracy mandated under FCRA 607 ( b ). Because these bureaus and furnishers are not reporting the same factual information, this creates confusion, inconsistency, and incomplete verification. Under FCRA 1666 and 1666a, any account under dispute must be investigated properly, and creditors must refrain from reporting misleading derogatory statuses until a fair investigation is completed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XX/XX/XXXX, late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Date Opened : XX/XX/XXXX Date of Last XXXX late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$520.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XX/XX/XXXX, late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last XXXX late XXXX  days XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XXXX XXXX in TU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-08 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: SC

Complaint narrative:
XXXX  account was fraud so company close it and it's reporting late. Never was altered on XXXX, XXXX XXXX and im not aware of XXXX  account and XXXX please investigate these as and not my account and remove those late payments first premier account was never investigate and sent proof of ownership nor was i ever late XXXX told me this is a company to help build credit was never r supposed to report late so I contacted and they told me it wasnt no late report so please investigate i have XXXX accounts please investigate and take proper measurements and delete as please reinvestigate XXXX XXXX XXXX have them send XXXX XXXX XXXX that i would have sign and im willing to do affidavit look back to hearing from you within XXXX I have XXXX inquired thats are attached to these accounts also need to be removed i only ran my credit in XXXX and XX/XX/year> 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