vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-23 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: CA

Complaint narrative:
XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX XXXX Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ). XX/XX/year> 2025

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 2025-12-23 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: AZ

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
Could you double-check this entry? Im not confident its error-free.

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 2025-12-23 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my accounts. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Please see the attachment with our list of negative items.

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 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aldridge Pite, LLP
State: CA

Complaint narrative:
Since XX/XX/XXXX, written notices, disputes, and formal communications were sent regarding foreclosure activity involving XXXX XXXX XXXX acting as trustee. No substantive written response or cure was provided. 

During XX/XX/XXXX, foreclosure-related activity involved undisclosed third-party vendors, including mailing and field services, while disputes and loss-mitigation issues remained unresolved. 

On XX/XX/XXXX, a Notice of Trustees Sale was recorded. The notice was not mailed until XX/XX/XXXX, outside the statutory timeframe required by California law, resulting in defective notice. Despite this defect and unresolved disputes, foreclosure activity continued and a trustee sale was scheduled for XX/XX/XXXX. 

After a reported pause in XX/XX/XXXX, attorney fees continued to be billed, and foreclosure activity later resumed without written notice that the pause had been lifted. Notices were mailed to outdated addresses despite a timely change of mailing address. 

Between XXXX and XX/XX/XXXX, multiple unannounced third-party field visits occurred at a gated property, XXXX & XXXX XXXX ( before & after XXXX, and XXXX XXXX which was a Sunday visit outside normal business hours. Individuals claimed affiliation with XXXX XXXX or XXXX XXXX, No identification, documentation, court order, or lawful authority was presented, and access was denied by gate security. No documents were left. 

These field contacts occurred after written demands for written-only communication, after cease-and-desist notices, and while regulatory complaints were pending. XXXX XXXX XXXX has not disclosed its vendors, explained trustee authority, or responded to communications. 

This conduct raises concerns regarding improper foreclosure practices, defective notice, failure to respond to disputes, unauthorized vendor activity, improper field contact, and inadequate service-provider oversight. On XX/XX/XXXX a complaint has been submitted to the California Department of Financial Protection and Innovation ( DFPI Complaint ID : XXXX ) regarding trustee conduct. 

Coordination with DFPI is requested and to forward ALL supporting documents along with XXXX XXXX and Aldridge Pite LLP statements you have on file from CFPB Complaints No : XXXX, XXXX, XXXX, & XXXX and FTC Report Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
Central Portfolio repeatedly sent text messages saying I owed a debt. When looking online at their file I did not recognize the debt. I asked for verification of the debt and received no information. In an attempt to cease the harassment I agreed and paid the settlement offer. Central Portfolio, however, has reported to the credit bureaus that this is a collection debt. Collection debt that is paid should be shown as Paid/Closed with a {$0.00} balance and since this is a medical debt it should be removed entirely from the credit reporting agencies.

I have submitted disputes with the Credit reporting agencies with XXXX  not doing a thorough investigation and not providing me with further information. 

All of this is unlawful and unfair debt collection ad reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
Unauthorized transactions were made without my authorization. 
These transactions occurred while I was undergoing active XXXX treatment and was intermittently hospitalized. 
I did not knowingly approve, send, or benefit from these transactions. 
I am requesting a full refund and proper investigation under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
i contacted XXXX XXXX XXXX. They had purchased a sect from XXXX XXXX which was identity theft but caused me to go u to bankruptcy. i sent them my police report and XXXX XXXX is still on my credit report reporting it so its illegal for Security to be on their as a collection and they just sent me a letter saying they dont have to verify anymore information and if i want to discuss a payment plan. This account was in bankruptcy, theyre breaking the law by trying to ask for a payment and im gon na sue them if they dont delete the collection off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-12-23 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
EdFinancial is reporting incomplete and incorrect payment information and my PSLF status. I have been making timely student loan payments since XX/XX/year> on XXXX consolidated loans. I have a completed and approved XXXX application and employment certification form signed by my employer, IRS, for 2025 ( XX/XX/year> showing on the FSA website under MY ACTIVITY ). I have made the required XXXX qualifying student loan payments and my student loan account should reflect paid in full as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 am not responsible for these accounts and request their removal within the legally mandated 15 days.

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 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
According to15 USC 1692c you have violated my rights in lawful communications. Please remove this collections off my credit report thank you.

I keep getting repeated calls and I just got a letter to my house saying that they sent me a debt validation letter i did NOT receive anything until that letter and that debt is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
XXXX XXXX Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX U.S.C. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX U.S.C. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX U.S.C. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-12-23 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: MI

Complaint narrative:
XXXX XXXX Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX U.S.C. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX U.S.C. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX U.S.C. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I have been using Cashapp for sometime now and as someone with XXXX I expect a bank to protect me when I am taken advantage of. 
Several months ago, I purchased numerous items from a company in XXXX. Without any reason they suddenly blocked my account and never shipped me any of the items I paid for, nor did they respond to my emails. 
I disputed the charges with CashApp and provided all the evidence including police reports and emails showing my correspondence with the company and how they never responded. 
Not only was the customer service at cashapp rude and spoke no XXXX, but upon doing my homework i found out that they never even investigated the claims yet somehow denied them. I was away the last few months due to illness but now I am prepared to take them to court if this matter is not resolved shortly. 
The case number I was provided by them was XXXX. I have recorded all the phone calls and have all the emails showing how fraudulent they are. They have until Wednesday to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

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 XXXX party. They in fact did not come from a XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I sent dispute demand debt validation verification with a sign contract for XXXX accounts at the same collection agency XXXX XXXX XXXX XXXXXXXX XXXX They never provided all thing that requested so i sent XXXX letter XX/XX/year> and still I did not receive what I requested However Experian on XXXX XXXX XXXX delete one of those account and XXXX account was deleted on XX/XX/year>. But Transunion and XXXX  are still reporting them after I had brought it to their attention. so those accounts removed from Experian after I disputed them, But the other two bureaus have not which is negative affect me as I a XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account XXXX also XXXX XXXXXXXX XXXX XXXX is updated Transunion but not on experian nor XXXX after disputed it with all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I sent dispute demand debt validation verification with a sign contract for XXXX accounts at the same collection agency XXXX XXXX XXXX XXXXXXXX XXXX They never provided all thing that requested so i sent XXXX letter XX/XX/year> and still I did not receive what I requested However Experian on XXXX XXXX XXXX delete one of those account and XXXX account was deleted on XX/XX/year>. But Transunion and XXXX  are still reporting them after I had brought it to their attention. so those accounts removed from Experian after I disputed them, But the other two bureaus have not which is negative affect me as I a XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account XXXX also XXXX XXXXXXXX XXXX XXXX is updated Transunion but not on experian nor XXXX after disputed it with all 3 bureaus

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