vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports.

Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain. 
________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus.

Payment statuses are reported inconsistently.

Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

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 2025-08-02 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report and to request the immediate removal of any derogatory or unverifiable accounts being reported or collected by [ Name of Collection Agency or Creditor ]. 

This company has not obtained any direct authorization or verifiable information from me, and I have never received any written agreement or documentation that validates their claim. Under both California and federal laws, consumers are protected from the reporting and collection of unverifiable or inaccurate debts. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA, Cal. Civ. Code 1785.1 et seq. ), I am requesting the following : Immediate removal of any negative information that can not be verified by original documentation. 

Cease and desist from any further attempts to collect this alleged debt without validating the information in writing. 

A complete debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ).

A written confirmation within 30 days that the entry has been deleted or corrected in full compliance with California Civil Code 1785.16 and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
XXXX XXXX  XXXXXXXX I was never late on this account, please remove late payment history.

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 2025-08-01 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: FL

Complaint narrative:
I'm sending a new complaint because I want to make sure my dispute with TransUnion is prioritized and handled properly this time. Im disputing the same unauthorized hard inquiries that I initially submitted through the CFPB on XX/XX/XXXX. When I checked my credit report again, I saw that those same inquiries were still appearing. On XX/XX/XXXX, I called TransUnion and spoke with an agent named XXXX, who explained that the initial dispute had already been completed, but the inquiries werent removed. Because of that, they opened a second reinvestigation, and I was told the new results would be ready by XX/XX/XXXX. 

During that phone call, I also recited the full list of inquiries XXXX disputing. While the agent acknowledged the dispute, she advised me to submit all documents again by mail so it could be reviewed faster. Thats why Im following up again, this time with everything sent directly and clearly. I already did three different ways to dispute it : first through CFPB, then by phone, and now by mail. I've enclosed my FTC Identity Theft Report, a copy of my ID, and a credit report with the inquiries clearly marked for removal. 

These inquiries were made without my authorization, and TransUnion has not provided any proof that I gave written consent for any of them. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, no one should be able to access my credit file without a valid permissible purpose. If TransUnion can not verify that I consented to each of these inquiries in writing, then they must be deleted immediately under 15 U.S.C. 1681i. I also request an updated copy of my credit report reflecting all corrections once the reinvestigation is done, free of charge as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I want to share my frustrating experience with the Home Depot credit card to warn others. Last XXXX, while shopping at Home Depot, the cashier offered me a credit card with {$200.00} instant cashback and 12 months of interest-free financing for purchases over {$290.00}. I decided to purchase {$3400.00} worth of products for my new home with this card. 

Initially, I was pleased with the XXXX interest-free offer and cashback. After returning home, I set up a paperless account with autopay. However, I recently noticed over {$900.00} in interest charges on my account. When I contacted the Home Depot credit card XXXX, which is managed by XXXX, they informed me that the interest-free period was only for XXXX months. This contradicted the information I received at the store. 

I was advised by XXXX to discuss the issue with a Home Depot manager. I spoke with a XXXX at the XXXX XXXX location, but they insisted that the issue is with XXXX. Both companies seem to refuse responsibility, leaving customers like me in a difficult position. 

After discussing this with the police, I was advised that it's a civil matter requiring legal action. They also suggested I consider shopping with competitors like XXXX 's in the future

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 2025-08-01 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: CA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. XXXX bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA XXXX, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: TX

Complaint narrative:
These accounts do not belong to me and appear to be fraudulent. I request a detailed review and ask that they be removed from my credit report as soon as possible. Evidence is provided.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a dispute regarding an inaccurate bankruptcy record reported by [ XXXX/Experian/TransUnion XXXX XXXX I contacted the bankruptcy court and confirmed that they do not report records to credit bureaus, as per their policy. 

I also froze third-party databases such as XXXX, making external verification impossible. I requested the method of verification ( MOV ) under FCRA 611 ( a ) ( 7 ), and the bureau failed to provide any documentation showing how this record was verified. 

This record is now unverifiable and should be deleted. I am requesting that the CFPB investigate this continued reporting and demand removal due to lack of compliance.

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 2025-08-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6900.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Regions Bank due to unfair treatment, poor communication, and the withholding of my personal funds. 

Over the past several weeks, my account was placed on hold without clear explanation. Prior to that, my transactions were repeatedly declined for no valid reason. Due to work obligations and limited branch accessibility, it was difficult for me to visit a branch in person. However, I eventually had to miss work to resolve the issue, since Regions Bank made no effort to offer accessible options for working customers. 

Once I finally spoke with a representative, I was told that my account had been closed due to a lack of submitted proof of lease or a utility bill. I was never notified, neither digitally nor by XXXX that these documents were required. No notice, no warning, no opportunity to comply. 

To make matters worse, Regions is now withholding funds that were directly deposited from my job. They are refusing to either return the money to my employer or release the funds to me. When I asked for help, I was told there was nothing they could do. 

This situation has left me without access to my own money, caused financial hardship, and disrupted my employment. I am requesting that Regions immediately release or return my funds and take accountability for their lack of transparency and disregard for customer accessibility.

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 2025-08-01 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: MA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding XXXX XXXX XXXX, listed under account # XXXX, reporting to Equifax only. According to my Equifax credit report, this account was marked as 6090 days late prior to its closure, with a paid balance of {$0.00} as of XX/XX/year>. 

This reporting is factually inaccurate and legally noncompliant under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I assert under penalty of perjury that I have never missed or been 6090 days late on this account. I have no recollection or proof of default, and no such record was ever communicated to me via mail or phone. 

Furthermore, this derogatory data is being reported exclusively to Equifax, which raises serious questions of furnishing bias, incomplete reporting, and violation of accuracy and parity mandates under : 15 U.S. Code 1681s-2 ( b ) Furnishers must investigate and delete or correct inaccurate information 15 U.S. Code 1681e ( b ) Credit bureaus must assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Credit bureaus must reinvestigate disputed information within 30 days In addition, Metro 2 reporting standards, as outlined by the Consumer Data Industry Association ( CDIA ), require : If a furnisher can not substantiate the accuracy of data it furnishes, the data must be deleted. 

XXXX XXXX XXXX has never provided me with : Copies of any alleged missed payment notices Internal payment logs showing 6090 day delinquency A monthly breakdown substantiating the derogatory mark A legal agreement acknowledging the delinquency claim Under FCRA 1681i, any account reported with disputed delinquency must be corrected or removed entirely unless it can be substantiated with full documentation. Failure to do so constitutes negligent or willful noncompliance, actionable under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am filing this complaint to dispute and request investigation into inaccurate and damaging information listed on my Experian credit report. Specifically, I am challenging the reporting of charged-off accounts from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX These entries are negatively impacting my creditworthiness, and I have reason to believe they may be inaccurate, incomplete, or unverifiable.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681i, I have the right to dispute any item on my credit report that I believe to be incorrect. This section requires that consumer reporting agencies conduct a reasonable reinvestigation to verify the accuracy of disputed information. I have already contacted the original furnishers and requested validation of these debts, and I now ask the CFPB to ensure that Experian and the listed creditors are complying fully with federal law. I respectfully request your assistance in reviewing and resolving this matter.

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 2025-08-02 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: OH

Complaint narrative:
I am writing to formally request an immediate discharge of my federal student loan ( s ) due to a serious violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and a related data breach involving my personal and academic information.

Recently, I was made aware that my private educational records were improperly disclosed and/or exposed during a data breach involving [ Name of School or Institution ]. This incident has caused significant emotional distress, potential financial harm, and a violation of my legal rights under FERPA, which mandates the protection of student records and personally identifiable information.

As a result of this breach, I believe I am entitled to relief, including a discharge of my student loan obligations associated with the institution responsible for the violation. I respectfully request that your office urgently investigate this matter and begin the process for discharging my loans on the grounds of the FERPA violation and breach of data security. I have attached any available
documentation related to the breach and would be happy to provide more information or answer any questions you may have. 

Thank you for your time and urgent attention to this matter.

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 2025-08-02 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: MO

Complaint narrative:
The access my information without my authorization it is not my responsibility for them to utilize my information without my permission and it needs to be deleted immediately

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have been dealing witb malware and hackers for months now and i need to figure out who is pretending to be me to turn them into the authorities and if i was awarded money i didnt receive or get any of that and if people or perons of whatever are trying to be me how do i stop that from.happening this person even has a copy if my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}

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 non-monetary relief