vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in question was opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law. Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion  has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IN

Complaint narrative:
I am submitting a follow up complaint toThe absence of a XXXX suggests that the debt has not been officially canceled, and the creditor XXXX still be attempting to collect. Continued negative reporting without formal cancellation or active collection efforts is misleading and harmful to my credit standing.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4300.00} Additionally, I request that the following inquiries be removed from my file in accordance with FCRA XXXX XXXXXXXX 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 2025-08-18 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: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Prog Holdings, Inc.
State: NY

Complaint narrative:
I have been trying for over a month to stop autopay with this company with XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: ID

Complaint narrative:
Cash app has not credited my account XXXX when I reach support regarding the transaction. The have told me the direct deposit and then called it a refund is pending. Then they stated it's processing and then they claim there is nothing. I even provided transaction id numbers times dates and their own terms and conditions and they only reply I'm sorry you don't like the response. Can not seem to get any true information regarding this transaction or why they are calling it a refund or direct deposit when it's neither it was a hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I paid off my Affirm account in full, and the balance went to {$0.00}. After that, I disputed the tradeline with XXXX  because it was still showing an outstanding balance. Despite my dispute being submitted after the account was fully paid off, Affirm verified the account with an incorrect balance of {$500.00} owed. 
This is inaccurate and misleading. My account has been paid in full, yet Affirm continues to report an outstanding balance, which is damaging to my credit profile. I requested that Affirm provide accurate information to the credit bureaus and update the balance to {$0.00} and for a reason I can not understand, Affirm has chosen not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I think this late entry needs to be reviewedit may contain an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, respectfully submit this objection in the above-referenced matter. 

On XX/XX/year>, at approximately XXXXXXXX XXXX  I had a copy of the Summons and Complaint ( dated XX/XX/year> ) affixed to my apartment door at XXXX XXXX XXXX, XXXX XXXX XXXX, New XXXX XXXX XXXX 
Service at XXXXXXXX XXXX  is improper and defective under CPLR 308. New York law requires that service of process be conducted in a manner and at a time reasonably calculated to provide actual notice. Affixing papers to a door in the middle of the night does not meet the statutory requirements and can not be considered valid service. 
Furthermore, when I contacted the court by email to verify this matter, I was advised that no record was found under my name or this index number at that time. This raises serious concerns about the integrity and validity of this action. 
I am a recipient of public assistance and live below the poverty line. The pursuit of this alleged debt, using improper and harassing service methods, imposes undue hardship and violates both statutory protections and basic fairness. 
Accordingly, I demand that this action be dismissed in its entirety for lack of jurisdiction pursuant to CPLR 3211 ( a ) ( 8 ). 
I affirm under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AR

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. XXXX credit bureau appropriately updated and removed the item following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX L XXXX Balance : {$52000.00} XXXX XXXX L XXXX Balance : {$23000.00} XXXX XXXX L XXXX Balance : {$19000.00} XXXX XXXX L XXXX Balance : {$11000.00} XXXX XXXX L XXXX Balance : {$32000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I am a co-borrower on a mortgage loan with XXXX XXXX. Since XXXX, my husband and I have been solely responsible for all payments, while the other co-borrower has not lived at the property or contributed financially. 

Despite my status as a co-borrower, XXXX XXXX refuses to mail me monthly statements or escrow notices, stating they will only send them to one borrower. I asked both in person at a branch and over the phone ( around XXXX and XXXX ) to begin receiving mailed statements, but my request was denied. I was later forced to file a XXXX XXXX XXXX complaint just to obtain past and present escrow analyses that should have been routinely provided. 

In XX/XX/XXXX, the XXXXXXXX XXXX XXXXXXXX recorded a municipal tax lien ( Instrument of Taking ) against the property for unpaid fiscal year XXXX property taxes. Because XXXX XXXX collects escrow for taxes, this lien indicates that the servicer failed to disburse escrow funds on time. XXXX notified only the other co-borrower of the foreclosure risk, but he did not inform me. As a result, I had no knowledge of the lien or the foreclosure risk, even though I am the one making the mortgage payments. 

Because XXXX insists on mailing all loan communications only to the other borrower, I remain concerned that I may be missing other critical notices relating to escrow, delinquencies, liens, or foreclosure. This creates unnecessary financial risk and leaves me without equal access to information on a loan I am solely paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am filing a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm gon na need the following inquiries remove from my file with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am filing a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm gon na need the following inquiries remove from my file with 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 2025-08-18 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: NJ

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
EQUIFAX / TRANSUNION HAVE BEEN PROVIDED ALL THE NECESSARY DOCUMENTS THE SAME PROVIDED TO EXPERIAN AND THE INVESTIGATION THAT XXXX  DID WAS THOROUGHLY CONDUCTED AND RESULTED IN ALL THE FRAUDULENT NEGATIVE ACCOUNTS TO BE TOTALLY DELETED FROM MY REPORT BUT THE OTHER 2 bureaus ARE making the process much harder and more difficult than need be. I received a letter saying the investigation was pending due to confusion over my address and identity so they requested specific documents I provided and still the negative information remains. They are not doing the investigation process in a way that seems fair to me rather than favoring the companies providing the information. This is a violation of my rights and is negatively affecting my financial opportunities past and present. XXXX now filing a complaint on them and resolution need happen immediately as Ive already been in this process for months now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the items listed below. I am firmly convinced that the reporting of these items is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these items, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the items that I request to be investigated and updated : XXXX XXXX XXXXXX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXXXXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the items listed below. I am firmly convinced that the reporting of these items is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these items, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the items that I request to be investigated and updated : XXXX XXXX XXXXXX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXXXXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA, 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