vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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:
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 : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$390.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$980.00} Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$980.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$1900.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$2900.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/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 2025-09-18 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: GA

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. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 XXXX 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 2025-09-18 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: OR

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I previously submitted a dispute to Equifax on XX/XX/XXXX, regarding multiple unauthorized inquiries on my credit file that were reported without a permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Despite providing detailed evidence, Equifax has failed to conduct a reasonable reinvestigation within the required timeframe under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), to delete unverifiable information under 1681i ( a ) ( 5 ) ( B ), and to provide me with a description of the reinvestigation procedure under 1681i ( a ) ( 7 ). This continued inaction has left unauthorized inquiries on my report, causing further harm to my consumer rights. 

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 explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
Company : Equifax, Experian, and TransUnion Product : Credit Reporting Issue : Incorrect information on my credit report ( auto loan from XXXX XXXX XXXX XXXX ) Account # : XXXX Complaint Details : I am disputing the accuracy of how my auto loan from XXXX XXXX XXXX XXXX is being reported across all three credit bureaus. The information is inconsistent and conflicts in several areas : Date of First Delinquency ( DOFD ) : Equifax & TransUnion report delinquency starting XX/XX/XXXX. 
Experian reports delinquency starting XX/XX/XXXX. 
Account XXXX / XXXX XXXX : Experian : Account charged off, {$7500.00} written off, {$8000.00} past due. 
Equifax : XXXX {$7500.00} with {$8000.00} past due, but no voluntary surrender shown. 
TransUnion : Charge-off with {$8000.00} balance ; voluntary surrender reported before charge-off, no written-off amount listed. 
Closure Dates/ Removal Dates : TransUnion : Closed XX/XX/XXXX, removal XX/XX/XXXX. 
Experian : Charged off, no closure date, removal XXXX XXXX ( previously XX/XX/XXXX ). 
Equifax : No closure or removal date listed. 
Experian Dispute Handling : I recently filed a dispute with Experian and provided supporting documents showing these errors. 
Despite this, Experians reporting continues to be erroneous and inconsistent compared to Equifax and TransUnion. 

Why this matters : These discrepancies create confusion about the true date of first delinquency, balance status, and reporting duration. This violates the FCRAs requirement that credit reporting agencies assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and Experians reinvestigation obligations under 611.

Requested Resolution : Correct the reporting so that all three bureaus display consistent and accurate information. 
Confirm in writing the true DOFD, correct charge-off balance, and the accurate removal date.

Remove any unverifiable or inaccurate information under FCRA 611.

Require Experian to properly address the documentation I already submitted and stop reporting erroneous data.

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 2025-09-18 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: TX

Complaint narrative:
Company : Equifax, Experian, and TransUnion Product : Credit Reporting Issue : Incorrect information on my credit report ( auto loan from XXXX XXXX XXXX XXXX ) Account # : XXXX Complaint Details : I am disputing the accuracy of how my auto loan from XXXX XXXX XXXX XXXX is being reported across all three credit bureaus. The information is inconsistent and conflicts in several areas : Date of First Delinquency ( DOFD ) : Equifax & TransUnion report delinquency starting XX/XX/XXXX. 
Experian reports delinquency starting XX/XX/XXXX. 
Account XXXX / XXXX XXXX : Experian : Account charged off, {$7500.00} written off, {$8000.00} past due. 
Equifax : XXXX {$7500.00} with {$8000.00} past due, but no voluntary surrender shown. 
TransUnion : Charge-off with {$8000.00} balance ; voluntary surrender reported before charge-off, no written-off amount listed. 
Closure Dates/ Removal Dates : TransUnion : Closed XX/XX/XXXX, removal XX/XX/XXXX. 
Experian : Charged off, no closure date, removal XXXX XXXX ( previously XX/XX/XXXX ). 
Equifax : No closure or removal date listed. 
Experian Dispute Handling : I recently filed a dispute with Experian and provided supporting documents showing these errors. 
Despite this, Experians reporting continues to be erroneous and inconsistent compared to Equifax and TransUnion. 

Why this matters : These discrepancies create confusion about the true date of first delinquency, balance status, and reporting duration. This violates the FCRAs requirement that credit reporting agencies assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and Experians reinvestigation obligations under 611.

Requested Resolution : Correct the reporting so that all three bureaus display consistent and accurate information. 
Confirm in writing the true DOFD, correct charge-off balance, and the accurate removal date.

Remove any unverifiable or inaccurate information under FCRA 611.

Require Experian to properly address the documentation I already submitted and stop reporting erroneous data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: HI

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: LOBEL FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally dispute an entry that appears on my credit report under the account name Lobel Fin I do not recognize this account and have not received any prior communication or documentation about it. 

I previously requested documentation to validate the debt but did not receive any response or proof that this account is mine. Since the furnisher has failed to provide verification and the information is inaccurate, I am requesting that this account be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention. 

As per the Fair Credit Reporting Act ( FCRA ) and my rights to dispute inaccurate information, I am requesting a full investigation into this matter. This entry is inaccurate, and I respectfully request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion, responded my dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding inaccurate and incomplete information due to a late payment on my consumer that they replied Verified/Accurate. 
The account that they responded verified to still has inaccurate and incomplete information. 
TransUnion is publishing fraudulent and inaccurate information on my consumer report and is not providing accurate information about what data it is using to verify this 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
Unauthorized transactions or other transaction problem. 
ACTIVE Network LLC got my money {$99.00} from my credit card in XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc.
State: NC

Complaint narrative:
For nearly XXXX or XXXX years I have not had my own card. I have to find other people with CashApp and a card to be able to access my funds or use my funds. Not having a card keeps mud account from being protected. It also keeps me from being able to benefit from any of the current features on the app. Such as over draft protection, investing, loading money. With stacking money, shopping online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been frauded XXXX  times, my credit, my accounts, my billing accounts as well as my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received multiple letters from Chase stating I requested to receive all my communication via mail which is untrue. This was not " my preference '' I would like to know why I received these letters from Chase and to receive all communication via email only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
the company has duplcants of the same account on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX is reporting a balance of {$110.00} as a collection account. This entry is inaccurate and unverified. I have not been presented with any evidence, contract, or wet signature proving that I authorized this debt, nor has the company shown that it has legal standing to collect or report it. The FCRA requires accurate and verifiable reporting, and the FDCPA requires that a consumers request for validation be honored before continued collection activity or credit reporting. This company is furnishing damaging and potentially false information without meeting these legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXXXXXX Late Date Reported XX/XX/year> XXXX  XXXX XXXX. Late Date Reported XX/XX/year>, XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief