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

Complaint narrative:
I am writing to formally dispute TransUnions refusal to block fraudulent information from my credit file, despite my full compliance with the requirements of the Fair Credit Reporting Act ( FCRA ) 605B. 

On XX/XX/year>, I submitted a valid identity theft block request, including : A copy of my government-issued identification, Proof of current address, and Proof of police report and FTC identity theft report.

Despite this, TransUnion has failed to treat my request as a valid identity theft block and has not taken my fraud report seriously. Instead of removing the fraudulent information as the law requires, TransUnion improperly downgraded my request to a standard dispute, merely contacting creditors and marking accounts as active dispute.

Under FCRA 605B, TransUnion is required to block fraudulent information within four ( 4 ) business days after receiving a valid identity theft report and proof of identity. By refusing to do so, TransUnion is in violation of federal law and has caused continued harm to my creditworthiness and financial reputation. 

Fraudulent Accounts Identified in My Report : Dept of Ed / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Relief : I demand that TransUnion : 1. Immediately block and permanently delete the fraudulent accounts identified above, as required by FCRA 605B.

2. Correct my credit file to reflect only accurate, non-fraudulent information. 
XXXX. Provide me with written confirmation once the fraudulent information is blocked and removed. 

If TransUnion does not comply, I will continue pursuing remedies through the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney General, and any other regulatory and legal avenues available to me. 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-09 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: AL

Complaint narrative:
On XX/XX/XXXX I formally disputed this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable reinvestigation. Instead of validating the debt, TransUnion continued reporting it without providing any proof such as the original signed contract, a complete accounting, or proper authorization from the furnisher.

This violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable information.

15 U.S.C. 1681s-2 ( b ) furnishers duty to investigate.

15 U.S.C. 1692g ( b ) prohibition of collection activity without validation ( reporting a debt is collection activity ). 

Courts have held that credit bureaus can not simply parrot a furnishers claim ( XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). TransUnions failure to provide validation and its continued reporting is willful noncompliance under 15 U.S.C. 1681n.

Requested Resolution : I demand that the CFPB require TransUnion to : Delete the disputed account from my credit file immediately. 

Provide written confirmation of deletion. 

Impose appropriate penalties for willful violations of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I formally disputed this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable reinvestigation. Instead of validating the debt, TransUnion continued reporting it without providing any proof such as the original signed contract, a complete accounting, or proper authorization from the furnisher.

This violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable information.

15 U.S.C. 1681s-2 ( b ) furnishers duty to investigate.

15 U.S.C. 1692g ( b ) prohibition of collection activity without validation ( reporting a debt is collection activity ). 

Courts have held that credit bureaus can not simply parrot a furnishers claim ( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX failure to provide validation and its continued reporting is willful noncompliance under 15 U.S.C. 1681n.

Requested Resolution : I demand that the CFPB require XXXX  to : Delete the disputed account from my credit file immediately. 

Provide written confirmation of deletion. 

Impose appropriate penalties for willful violations of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have closed XXXX credit cards with Citi Bank and have a XXXX loan. I have specifically asked for the last XXXX to XXXX weeks to have the final statements through the XXXX ( that is the XXXX XXXX XXXX XXXX  ). Despite repeated calls I still have not received any documentation of status of above noted loan and cards. I would like the paper copies of the bills for above as well as removal of any late charges. 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 2025-09-09 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: NY

Complaint narrative:
I am disputing the XXXX XXXX XXXX tradeline and the following inquiries appearing on my Experian file. 
XXXX XXXX XXXX XXXX XXXX Conflicting statuses : Charge Off vs. Paid Less Than Full Balance. Truncated account number. Improper reporting of lates af
ter closure.

Missing DOFD.

Violations : FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 5 ) ; Metro 2 Fields 2, 17A, 17B, 24, 25. 
Unverified Inquiries The following inquiries lack permissible purpose under FCRA 604 : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Provide written proof of permissible purpose for each inquiry. 
Provide full accounting ledgers for XXXX XXXX. 
Delete any unverifiable data immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was charged {$100.00} dollars from my account but it was not me someone hacked into my cash app account entirely and spend that money on a gambling website and Im not even old enough to gamble. When I disputed it they said it was not fraudulent but it was and did not refund my money back. I need that {$100.00} back immediately.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I open an account from Bank of America like a three weeks ago and Im trying to know what is the reason for blocked my account and theyre not telling me any reason and they are treating me bad

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 monetary relief
Consumer complaint received 2025-09-09 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$3300.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I applied for a personal loan through Upstart. I was initially shown XXXX approval options : ( 1 ) approximately {$49000.00} secured by my vehicle ( about {$45000.00} disbursed after fees ), and ( 2 ) {$16000.00} unsecured. I completed all required verification steps, including income, identity, bank account, license, and email. 

From the beginning, the system automatically attached the wrong vehicle to my application, a XXXX XXXX XXXX registered in XXXX. I no longer own that car. My actual car is a XXXX XXXX XXXX, titled and registered in XXXX. At the time, I did not notice the XXXX detail in the system. I assumed it was referring to my XXXX XXXX and moved forward with the application. 

At the final stage, when verifying the vehicle, the system flagged the car as being registered in XXXX  and denied my loan. That is when I realized the error, the system had pulled an old, no longer owned car instead of my current XXXX  registered XXXX XXXX XXXX. 

I immediately called Upstart to resolve the issue. Rather than correct the vehicle data, the representative told me to create a new email and apply again under a new account. I followed these instructions. On this second application, instead of seeing the original approval options of {$49000.00} secured or {$16000.00} unsecured, I was only offered a much smaller loan of {$4900.00} at XXXX  % APR over 60 months. 

This outcome was the direct result of incorrect vehicle data being tied to my application. I provided my valid XXXX  title and registration, but the system error was never corrected. As a result, my original approval was taken away, and I was left with only an inferior offer on the re application.

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

Complaint narrative:
This letter is a formal dispute of the following inaccurate tradelines and inquiries in my Experian file. 

Tradeline Defects XXXX XXXX  XXXX  Charge Off vs. Good Standing, truncated account number. 
XXXX XXXX XXXX XXXX XXXX in Full vs. XXXX XXXX. 
XXXX XXXX Reported as Unpaid Balance Reported As Loss despite dispute ; missing DOFD. 
XXXX XXXX XXXX XXXX balance inconsistencies, improper late reporting post charge-off. 

Unverified Inquiries The following inquiries are reporting without valid permissible purpose as required by FCRA 604 : XXXXXXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX I did not authorize these hard pulls, and there are no active accounts to justify them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute and demand for validation to Goldman Sachs Bank USA ( Apple Card ) regarding an alleged debt being reported to consumer reporting agencies ( XXXX XXXX XXXX  ). 

Goldman Sachs has never responded to my dispute, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) requires debt validation upon request before continuing collection activity. No validation has been provided.

FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) requires reinvestigation of disputed information within 30 days. More than one year has passed without any response.

FCRA 623 ( a ) ( 3 ) prohibits furnishers from reporting disputed information without noting the dispute. Goldman Sachs has continued to report this account negatively without such notation.

FCRA 623 ( b ) requires furnishers to conduct an investigation when notified by a credit bureau. Goldman Sachs has failed to comply.

This is not a single oversight it is an ongoing, willful violation of federal law.

Desired Resolution XXXX. Immediate deletion of the Apple Card account from all consumer reporting agencies. 
XXXX. Written confirmation that the account will not be reinserted or reported again. 
XXXX. Compliance review by CFPB to address Goldman Sachs pattern of ignoring consumer disputes. 
XXXX. Damages consideration for willful and continual violations under FCRA 616617 and FDCPA 813.

Company response to consumer: Closed with non-monetary relief