vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-27 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: LA

Complaint narrative:
Upon reviewing my credit report, I noticed a hard inquiry I do not recognize. I am very concerned this may be the result of identity theft or unauthorized use 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 2025-06-27 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: DE

Complaint narrative:
1 recently reviewed a copy of my credit report. And noticed hard inquirys on my report i did not authorize Please remove inquirys from my report. It is hurting My ability to obtain credit XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-27 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have spoken with XXXX multiple times and they agreed to cease the illegal collection. 

his debt is not valid. It allegedly stems from 2021, during which I was XXXX on XXXX XXXX with the XXXX military. I properly terminated my account with XXXX in XXXX of that year, and I have never received a valid invoice or written notice related to any remaining balance. 

Despite my prior disputes, Southwest Credit Systems continues to re-report this same false collection account to Equifax every few months, only for it to be removed and later re-added. This repeated behavior : Creates the false appearance of new negative activity Violates the Fair Credit Reporting Act ( FCRA ) by damaging my credit without proper validation or investigation May violate the Fair Debt Collection Practices Act ( FDCPA ) due to the lack of written notification and failure to validate the debt Disregards my rights under the Servicemembers Civil Relief Act ( SCRA ) Even if this debt were valid which it is not the repeated re-reporting without resolution, validation, or written notice is improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: MI

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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: ID

Complaint narrative:
I made a purchase on XX/XX/XXXX through XXXX for a total of XXXX. However I did not receive my items and filed for a refund which I was granted. Yet after pay has being making me pay installments even though I sent them documentation of the refund. They kept telling me it would take XXXX to XXXX business days and that has passed. My refund was issued XX/XX/XXXX 25th

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( TDCA ). 

FDCPA Violation : Portfolio Recovery Associates contacted me regarding an alleged debt, but they failed to provide the required written validation notice within five days of initial contact, as mandated by 15 U.S. Code 1692g. I did not receive any written notice containing the amount of the debt, the name of the original creditor, or my right to dispute the debt and request verification.

TDCA Violations : Portfolio Recovery also violated Chapter 392 of the Texa
s Finance Code by engaging in abusive and harassing debt collection practices, including : Repeatedly calling both me and my spouse, often in a harassing and disruptive manner. 
Failing to identify themselves clearly in multiple calls. 
Causing our phones to ring continuously with the intent to annoy or harass, which violates Texas Finance Code 392.302.

These actions have been not only illegal, but have also caused emotional distress to me and my family.

Requested Relief : 1. I request that the CFPB investigate these violations by Portfolio Recovery Associates. 
XXXX. I request that all collection efforts cease immediately until proper debt validation is provided. 
XXXX. Due to their failure to follow legally required procedures, I formally request that the alleged debt be deleted entirely from all records and credit reports. 
XXXX. I request that the CFPB take appropriate enforcement action, including penalties or sanctions, for these repeated violations of consumer protection laws. 

I can provide phone logs and further documentation if needed. I am asking for accountability and protection from abusive collection practices that directly violate both federal and Texas state law. 

Company Information : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
XXXX  XXXX, XXXXXXXXXXXX-XXXX, XXXX\nThis CFPB complaint has been filed to request pursuant to FCRA  605B (15 XXXX.  1681c-2) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XX/XX/XXXXbusiness days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 661409786 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/2017 - {$0.00}

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 2025-06-27 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-06-27 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: NY

Complaint narrative:
hello there is a account on my report that is reporting XXXX  days late which is incorrect i would liken to investergate this and remove please.this account has never been XXXX  days late. pleaes furnise any info you my have. 

Teachers account # 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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
Sold the truck to XXXX XXXX on XX/XX/XXXX They overnighted a check to payoff and was received by XX/XX/XXXX via overnight mail. 
Took XXXX weeks of calls to get them to find out what the issue was regarding not being processed. The dealership inadvertently added an extra XXXX on the qualification memo for the VIN. Instead of calling anybody they just let it sit, and eventually mailed it back snail mail even after the dealership called about the check. Dealership cross overnighted another check that Navy Federal received on XX/XX/XXXX. Each time I have personally called and talked to supervisors and had o go through each scenario each and every time. Consistently asked them to read the notes,. Was always told that they wouldn't. Last supervisor basically told me to go pound sand and the load would be processed when it was processed. Meanwhile they loan was due for monthly payment on XX/XX/XXXX. Have been getting consistent calls and notification on my Navy Federal App about it being in collection. Once again was assured that the notes where in the file that it was being in the process so no issues. I can 100 % guarantee that they will put it as late on my credit. I have a Mortgage being held up since it is not technically paid off yet. This is the worst process I have ever seen, How do I start? They did already take $ XXXX from my savings account without permission so am assuming that at least that should cover the difference in payoff amounts and what they say is owed. I am sure that they will hit me with some late fees etc. I just want to be done with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 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: AL

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA XXXX ( XXXX U.S.C. XXXX ) to demand that XXXX and without delay block all fraudulent information currently polluting my consumer credit report. You have XXXX business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my XXXX  exceptions. 

The false data in question includes a fraudulent personal XXXX  card account, multiple unauthorized XXXX  inquiries, and XXXX  collections. I have attached both a list of these fraudulent XXXX  inquiries and a copy of the XXXX credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation 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 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute and Request for Deletion Repossession Account. 

XXXX XXXX I am writing to dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX and XXXX ( b ). 

This letter concerns the repossession reported by XXXX on my credit report. Under XXXX XXXX and XXXX XXXX. XXXX, I am legally entitled to receive written notice of the sale or disposition of the repossessed vehicle, including the sale date, method, and amount the vehicle was sold for. I never received this required notice from the lender. 

Due to the lenders failure to notify me, I was denied my right to redeem the vehicle or confirm whether it was sold in a commercially reasonable manner. This failure constitutes a violation of federal and state laws, rendering the repossession and associated deficiency legally and factually inaccurate. 

I respectfully request that this repossession entry be investigated and removed from my credit report. Please conduct a reinvestigation in accordance with XXXX XXXX. XXXX and delete any unverifiable or inaccurate information. 


Sincerely, 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 explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute and Request for Deletion Repossession Account. 

XXXX XXXX I am writing to dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX U.S.C. XXXX and XXXX ( b ). 

This letter concerns the repossession reported by XXXX on my credit report. Under XXXX XXXX and XXXX XXXX. XXXX, I am legally entitled to receive written notice of the sale or disposition of the repossessed vehicle, including the sale date, method, and amount the vehicle was sold for. I never received this required notice from the lender. 

Due to the lenders failure to notify me, I was denied my right to redeem the vehicle or confirm whether it was sold in a commercially reasonable manner. This failure constitutes a violation of federal and state laws, rendering the repossession and associated deficiency legally and factually inaccurate. 

I respectfully request that this repossession entry be investigated and removed from my credit report. Please conduct a reinvestigation in accordance with XXXX XXXX. XXXX and delete any unverifiable or inaccurate information. 


Sincerely, 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 2025-06-27 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation