vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
Failure of XXXX XXXX XXXX XXXX XXXX XXXX and Unverifiable Information FCRA Violation. 

To the Consumer Financial Protection Bureau, I am filing this complaint against TransUnion, Equifax, and Experian for willfully failing to remove inaccurate, outdated, and unverifiable derogatory items from my credit reports in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Despite previous disputes and formal notices invoking 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2, the credit bureaus have failed to take corrective action regarding the following erroneous accounts : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Bank of Missouri XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX ) These items are causing severe harm to my ability to obtain credit, rent housing, and pursue financial stability. They are either inaccurately reported, unverifiable, or duplicate entries, and under the FCRA, must be deleted if they can not be verified within a reasonable time. 

I submitted dispute letters demanding deletion, citing my legal rights under the FCRA, and provided all necessary identifying information and supporting documentation. Yet to date, these bureaus have neglected their legal duty to reinvestigate and correct these errors. This is not only unacceptable but also unlawful. 

I hereby request the CFPBs immediate assistance in compelling : TransUnion, Equifax, and Experian to complete a reinvestigation within 4 business days Immediate removal of all inaccurate or unverifiable derogatory items A written response confirming deletions or full results of the reinvestigation I am exercising my full rights under federal law and will not tolerate these agencies pattern of indifference or delay. My financial future is being jeopardized by this negligence, and I demand fast, decisive action. Any continued refusal to comply will leave me no option but to escalate legally. 

Thank you for your attention and support in holding these companies accountable.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX 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 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Formal Dispute Letter Inaccurate Collection Reporting To Whom It May Concern, I am submitting this letter as a formal dispute regarding the validity of a debt reported by Bull City Financial Solutions on my credit report. The alleged balance, said to be owed to XXXX XXXX, is the result of what I believe to be fraudulent billing activity. XXXX XXXX withdrew {$120.00} from my account four times without authorization, and representatives were unable to locate any record of these charges despite the funds reaching the same accounts my legitimate payments go to. 

Bull City Financial Solutions failed to validate this debt or provide proof of any investigation into the fraud before proceeding to report it on my credit profile. This lack of diligence and failure to follow federally mandated procedures constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This erroneous reporting has damaged my credit and caused undue hardship. I am requesting immediate deletion of this entry from all credit bureaus and written confirmation of resolution. I am also requesting accountability and compensation for the impact this has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Regulation V, and XXXX XXXX data reporting standards. My dispute focuses on the XXXX XXXX XXXX account, which was inaccurately reported across XXXX Equifax credit reports and has been mishandled through repeated false statements, obstruction, and refusal to comply with federal law. 
Despite sending certified disputes in XXXX and XX/XX/year>, Equifax failed to provide any legally compliant reinvestigation results. At one point they claimed they could not locate my credit file, while at the same time marking my account as disputed and stating that an investigation was in progress. No results were ever delivered. They also denied me access to my weekly free credit report through XXXX explicit violation of FCRA XXXX ( a ) and XXXX guidance. 
I identified XXXX legal violations in total : XXXX violations related to dispute mishandling and XXXX tied to credit reporting errors, omissions, and misleading information from a third-party collection. Other major credit reporting agencies have already removed this and other disputed accounts from my credit file due to lack of verification. Equifax 's refusal to do the same demonstrates a pattern of noncompliance that is inconsistent with industry norms. 
This conduct has caused me tangible harm : Ive been denied credit opportunities, hindered in employment applications, and subjected to significant emotional distress, anxiety, and reputational damage. I am requesting deletion of the XXXX  account, correction of my credit score, and full enforcement by the CFPB. I also ask that my case be included in any ongoing or future regulatory actions involving XXXX pattern of misconduct and sham investigations. 
I reserve all rights to pursue further legal remedies under federal and state lawincluding arbitration through XXXX  or XXXX, and civil claims for emotional, financial, and reputational harm. I encourage other consumers experiencing similar treatment by Equifax to file formal complaints and protect their rights under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
I CONTACTED CASH APP ABOUT MY COMPROMISED ACCOUNT AND I LOST OVER A {$1000.00} DOLLARS, PLUS IT PUT ME HOMELESS AND AFTER LOSING IT ALL I TRIED ENDING MY LIFE ANDS FAILED AND IM STILL GETTING FRICKED BY THEM AND THEY ARE SAYING MY DATES ARE OUTSIDE THE TIME FRAME BUT THATS A LIE XX/XX/year> IS NOT OUTSIDE TIME FRAME PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Continued Reporting of Inaccurate Payment History Violation of FCRA and FCBA I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report the failure of a consumer reporting agency and/or furnisher to lawfully investigate and correct inaccurate information that I previously disputed. 

I submitted a formal dispute 35 days ago regarding the inaccurate reporting of late payments on my credit report. This dispute was submitted by me personally, not by any third party. I am asserting my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) to demand that my consumer credit file be accurate, complete, and fair, as required by federal law.

Despite my billing error dispute being based on 15 U.S. Code 1666 ( b ), the disputed accounts are still being reported as late. Specifically, the FCBA outlines that billing errors include : Failure to post payments or credits properly Accounting and computation mistakes Lack of proper written notice ( minimum of 21 days ) before charging late fees or reporting a late payment To date, I have not received any documentary evidence verifying that the reported late payments are accurate. As such, I am again requesting that the creditor and/or cre
dit bureau provide documentation substantiating the claim that I was, in fact, late on the payments listed below : Disputed Accounts : Late Payment ( Open 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-20 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: MD

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, Experian a XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent account open with a company by the name of XXXX XXXX XXXX under the account number XXXX with a balance of {$360.00}. Another account with XXXX XXXX XXXX under the account number XXXX with a balance of {$950.00}. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The fraudulent accounts is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned accounts 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 explanation