vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-27 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: EQUIFAX, INC.
State: WV

Complaint narrative:
This is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: WV

Complaint narrative:
This is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

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 2025-08-27 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:
RE : Formal Dispute of Inaccurate Credit Reporting ( Under 15 U.S.C. 1681b ( 2 ), 1681q, 1681c-2, and 18 U.S.C. 1028A ) To The Credit Reporting Agency, I am formally disputing the reporting of inaccurate and unauthorized information contained in my credit file, as outlined below. The Fair Credit Reporting Act ( FCRA ) and applicable federal statutes provide me with the right to dispute such information and demand its removal.

1. Bankruptcy Reporting - Reference number : XXXX  My file reflects a bankruptcy that is being reported without proper permissible purpose or verified legal basis. Under 15 U.S.C. 1681b ( 2 ), consumer reports may only be furnished with the consumers consent, and I have not authorized this reporting. Additionally, under 15 U.S.C. 1681q, it is unlawful to knowingly and willfully obtain or furnish consumer information under false pretenses.

Further, under 18 U.S.C. 1028A, knowingly using or transferring anothers identifying information without lawful authority constitutes aggravated identity theft. Because this bankruptcy is inaccurately associated with me and causing irreparable harm, I demand its deletion.

Finally, under 15 U.S.C. 1681c-2, I exercise my right to block the reporting of this information as it results from inaccurate, unverifiable, or unauthorized reporting.

Action Requested : Immediate deletion of the bankruptcy entry from my credit file.

2. Unauthorized Credit Inquiries My credit report lists the following inquiries that I did not authorize : XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date not confirmed These inquiries are inaccurate and were not authorized by me. Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a credit report when the consumer authorizes it. Reporting unauthorized inquiries is a direct violation.

Additionally, under 15 U.S.C. 1681q, obtaining credit information under false pretenses is unlawful. As such, these inquiries must be removed.

Lastly, under 15 U.S.C. 1681c-2, I am exercising my right to block the reporting of these unauthorized inquiries.

Action Requested : Immediate removal of all listed unauthorized inquiries.

Required Bureau Response Per 15 U.S.C. 1681i, you are required to investigate these disputes within 30 days of receipt. If you can not provide verified evidence that I authorized these items, you must delete them immediately.

Please mail me a copy of my updated credit file once these corrections have been made. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I disputed a {$400.00} Cash App transaction for a botched hair service not performed as agreed. I first attempted to resolve the issue directly with the stylist but was unsuccessful. Cash App denied my dispute on XX/XX/year>. 

I submitted a dispute through Cash App. However, Cash App denied my claim with the explanation that the transaction was authorized. While I did authorize the payment, the problem is that the merchant failed to deliver the service properly and refused a refund. Cash App ignored this critical fact and denied my claim without addressing the issue of merchant misconduct. 

After the denial, I repeatedly contacted Cash App XXXX for documentation of their decision. On XX/XX/XXXX and again on XX/XX/XXXX, I was asked to provide case details ( case number XXXX, merchant XXXX, date, amount, reason for dispute ). I responded with all requested information. Despite this, Cash App later closed my case stating that I had not provided complete answers. 

On XX/XX/XXXX, I received another message from Cash App telling me to reopen my case through the app, even though I had already complied with their instructions. I have continued to request documentation of their denial, but they refuse to provide it. 

Cash Apps handling of this dispute is unfair, contradictory, and incomplete. I followed their process, provided evidence, and was given a denial without proper documentation that does not resolve the problem. I am now out {$400.00} for a service that was not properly provided, with no support from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is attempting to collect on account number XXXX, which is the result of identity theft. When I contacted the company directly, they could not locate any account under my Social Security number or correct address. The only accurate information tied to this account was my name and date of birth, while the rest of the information, including a fraudulent phone number, does not belong to me. 

Despite acknowledging that they could not verify the account with my personal information, Jefferson Capital Systems continues to report this account to the credit bureaus and pursue collection. This is inaccurate, misleading, and causing harm to my credit. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require debt collectors and furnishers to ensure the accuracy of information and cease reporting debts resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

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 2025-08-27 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: CA

Complaint narrative:
I am submitting this complaint because Equifax continues to report multiple late payments on accounts that are either fully paid and closed or currently open with XXXX past due balances. These inaccuracies are materially misleading, violate my rights under the Fair Credit Reporting Act, and have caused me substantial financial and emotional distress. Despite multiple disputes, Equifax continues to report these accounts as delinquent, showing a complete disregard for its legal obligations and the harm caused by these inaccuracies. 

Specifically, XXXX XXXX ending in XXXX is reported with a late payment on XX/XX/XXXX even though the account was closed, fully paid, and carries XXXX balance and XXXX past due. XXXX XXXX XXXX ending in XXXX is inaccurately reported as late on XX/XX/XXXX despite the account being closed and paid in full with no outstanding balance. XXXX XXXX ending in XXXX is listed with a late payment on XX/XX/XXXX, yet this account is closed, fully satisfied, and reflects XXXX past due. XXXX ending in XXXX shows a late payment on XX/XX/XXXX even though it is closed, paid, and carries no past due balance. XXXX XXXX ending in XXXX is reported as late on XX/XX/XXXX, even though the account is open and current with XXXX past due. XXXX BANK XXXX ending in XXXX is reported with a late payment on XX/XX/XXXX, yet it is open and shows no past due amounts. None of these accounts have any basis for reporting late payments, making Equifaxs reporting not just inaccurate but willfully negligent. 

Equifaxs continued reporting of false late payments constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in the information they publish. Furthermore, under 15 U.S.C. 1681i, Equifax is legally obligated to conduct a reasonable reinvestigation of any disputed item and correct or delete information that can not be verified. Simply relying on unverified or outdated information from furnishers without confirming accuracy is insufficient and violates these statutes. 

The impact of these inaccuracies is severe. Because of the false late payment marks, I have been unfairly penalized in my ability to secure credit, faced higher interest rates, and endured repeated stress and anxiety attempting to correct problems I did not create. The emotional toll of having my financial responsibility misrepresented is significant, compounded by the repeated failures of Equifax to act responsibly or lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am disputing a late payment entry currently listed on my credit report. My payment records clearly demonstrate that all payments were made on time, and the reported late payment is therefore inaccurate. This false reporting misrepresents my financial responsibility and negatively impacts my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a rebuttal with new evidence to my prior complaint, CFPB XXXX # XXXX, which was closed on XX/XX/year>. I am an authorized user on the Truist account ending in XXXX ( primary account holder : XXXX XXXX ). The disputed charges are {$3100.00}, {$3300.00}, {$2500.00}, and $ XXXX {$10000.00}, all of which remains unrecovered. 

My original complaint was for non-delivery of contracted services ( XXXX, XXXX, and XXXX automation ). I submitted the same non-delivery evidence to XXXX XXXX, who credited my account in full. Truist, however, denied my dispute, failed to provide provisional credit, and did not conduct a reasonable investigation despite identical documentation. 

In addition, I later presented new evidence that the charges did not post under the contracted merchant XXXX XXXX XXXX XXXX XXXX XXXX  but under unrelated entities ( XXXX XXXX XXXXXXXX XXXX and * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These entities were never disclosed or authorized. When I attempted to open a new dispute with Truist based on this new evidence, I was told over the phone that Truist would not reopen the case because only two disputes are allowed, even when new evidence is presented. 

Requested action : While the original non-delivery evidence was sufficient to justify a refundas demonstrated by XXXX XXXX handling of the identical descriptorsI am also submitting new merchant-identity/descriptor evidence. Please direct Truist to reopen the case and conduct a proper investigation that considers both the original non-delivery evidence and this new evidence. Full rebuttal with exhibits is attached.

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 2025-08-27 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: SC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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