vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on XXXX XXXX that I believe is inaccurate. I have maintained on-time payments and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate 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 2025-06-11 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XXXXXX/XX/year>

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
cashapp XXXX XXXXXXXX I had my phone and cashapp stolen while I was in hospital sick. and had received a deposit of XXXX while I was in hospital, I disputed all charges and only received XXXX XXXX No status change, they are not doing anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX XXXX XXXX my checking account was showing negative in the amount of {$390.00}. I initiated a transfer into the account at XXXX XXXX XXXXXXXX ( prior to their XXXX XXXX  XXXX grace period ending ) in the amount of {$400.00} to avoid fees. I was still charged an overdraft fee, which they refuse to refund, although all debits have been reorganized and my online account now shows the account was not ever overdrawn due to the transaction they state the fee was charged for.

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 2025-06-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account opened at 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 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 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 2025-06-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account opened at 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 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 2025-06-11 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 have no knowledge of these inquiries, and they appear to be unauthorized. I request that immediate steps be taken to rectify this situation. Relevant documents are attached for your review.

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 2025-06-11 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-06-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is illegally reporting NEGATIVE information regarding this account on my ( 3 ) credit reports in clear violation of FCRA 623 ( a ) ( 7 ).

The law clearly states that your FINANCIAL INSTITUTION is to send a consumer ( ME ) written notification when NEGATIVE information is furnished or have furnished to credit reporting agencies. 



The 30 Day Late Payment on date XXXX that appears on my credit reports wrongfully appears on my credit report illegally with no written verification sent to me as required by FCRA 623 ( a ) ( 7 ).

I am not aware of ever being late on this account nor did I ever receive WRITTEN NOTICE from your financial institution regarding negative information that you have reported yet is required under FCRA 623 ( a ) ( 7 ).

Please Remove/Delete this 30 day Late payment immediately due to violation of FCRA 623 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to dispute a debt listed on my credit report. The alleged account is listed as ( Credit Collection service ) Account # XXXXXXXX XXXX I sent the dispute via certified mail ( tracking number : ( XXXX ) to request validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency received my letter as confirmed by USPS tracking ( see attached proof ). However, they have failed to respond to my request for validation within the legally required time frame of 30 days. 

Please investigate this matter and remove the unverifiable collection account from my credit file. 
* * Enclosures : * * - Copy of original dispute letter to collection agency- USPS certified mail receipt / tracking confirmation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MD

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 2025-06-11 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: MS

Complaint narrative:
Please refer to the attached documents pertaining to the Data breach. 

I have been impacted by a data breach and I am now being affected by these accounts reporting on my credit.

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 2025-06-11 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: TN

Complaint narrative:
I am writing to demand the immediate removal of an unauthorized credit inquiry that was made on my credit report. I want to be very clear : I never gave this company permission to access my credit. I did not apply for any credit, I did not authorize any inquiry, and I have no prior relationship with this entity that would justify a credit pull. 

This was done without my consent, and that makes it an unauthorized and fraudulent inquirya direct violation of my privacy and my rights under the Fair Credit Reporting Act ( FCRA ). You have no legal ground to include this inquiry on my credit file, and I will not allow inaccurate or illegitimate information to remain on record.

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 2025-06-11 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: TN

Complaint narrative:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay. 

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed.

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 2025-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I submitted a buyback request on XX/XX/year>, 124 business days ago. I was initially told it would be 45 business days. I have reached out to the DOE/FSA several times and am just told to wait, with no end in sight. XXXX is the XXXX month of qualifying employment as a Public Servant. I have met my obligations and the DOE is not processing my request denying me of my statutory discharge.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
My cc was used to purchase a {$200.00} gift card from XXXX. This cc is not attached to XXXX, and my account shows no gift card purchases. XXXX has called me several times inquiring if I'm really purchasing these gift cards. I told them no. I saw a charge on my cc with Mountain America Credit Union for {$200.00}. I never made this purchase. They refuse to help with this fraud since it involves gift card purchase. I never purchased any gift cards. This is fraud. XXXX refuses to help. I tried contacting the seller. They don't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
Im filing this complaint because TransUnion reinserted an account that they had already deleted months ago. The account is XXXX XXXX XXXXXXXX XXXX, and now it has suddenly shown up again, only on TransUnion, not on XXXX XXXX XXXX. That alone makes me question how they even verified this. If the other two bureaus arent reporting it, how can TransUnion say its accurate? 

I disputed this account back in XXXX XXXX through mail, and now, after 3 months, TransUnion just added it back without even notifying me. Thats a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which says theyre supposed to notify me within 5 days if something is reinserted. I got nothing.

Also, under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), theyre supposed to get certification that the account is accurate before putting it back, but I never saw any proof or paperwork. This makes me feel like theyre not taking my dispute seriously at all. 

This also violates 15 U.S.C. 1681b ( 2 ) because I never gave them permission to report this account at the very beginning. Thats a lack of permissible purpose and a total invasion of my privacy.

Under 15 U.S.C. 1681e ( b ), theyre required to make sure everything on my credit report is as accurate as possible, but clearly thats not happening here. The fact that only one bureau is reporting it proves the info isnt consistent or reliable.

I honestly dont think TransUnion did a real reinvestigation, which also goes against 15 U.S.C . 1681i ( a ). If they already removed it before, how can they now confirm its verified without showing any documentation? 

And with the CFPBs current lawsuit against XXXX for not properly investigating disputes, it makes me wonder, is TransUnion doing the same thing now? Because it sure looks like they didnt do their job properly either. 

This account is damaging my credit, stressing me out, and blocking me from getting the housing and help I need. Im asking TransUnion to delete this account permanently, send me proof of the deletion, and fix my report.

If they dont, Im ready to take legal action under 15 U.S.C. 1681n and 1681o for their willful and negligent violations. I'd like to ask the CFPB 's assistance for this issue and its resolution.

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Over the past couple of years I have been sending sending certified mail to XXXX  XXXX as well as trans union XXXX XXXX XXXX about XXXX XXXX being on my credit I asked them and I sent them a letter of validation. Today I contacted trans union, I spoke with XXXX then he transferred me to his Supervisor XXXX XXXX verified who I was by my social security number, I proceeded to tell her about the numerous attempts to get clarity on these accounts as I have been victim of identity theft and have fraud alert on. I also reminded her that no response to my certified letter of validation has been received and its been years. So its past 30 days and because XXXX XXXX told me that she couldn't verify if my XXXX XXXX accounts were accurate. I explained to her by law Consumer Law and Fair Credit Act you have to report accuracy and being XXXX stated she could prove accuracy. I requested immediate removal. XXXX XXXX said she can only do a dispute. I disputed years and I will not continue to do this. I need immediate removal. The violations of privacy, inaccuracies, violation of written or verbal consent, violation f my character which has impacted the defamation of my life.

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These collection on my credit report were the results of identity theft.

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