vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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:
have been a victim of identity theft, which has unfairly damaged my credit profile. I noticed XXXX accounts that left me confused and frustrated. The first account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$440.00} XXXX XXXX, and the second account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$0.00} XXXX XXXX. Both accounts are marked with late activity that I do not believe is 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
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate and outdated address information that continues to appear on my credit reports with Experian, Equifax, and TransUnion. Despite my previous disputes, the following addresses remain improperly listed : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrectly listed as current TransUnion:XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrectly listed as current. These addresses are no longer valid and misrepresent my personal identity and reporting profile. I have formally requested their deletion and provided my correct address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable investigation of disputed information and ensure only accurate, verified information is reported. The continued presence of these inaccurate addresses indicates that proper reinvestigation has not been conducted. These errors pose a risk of mistaken identity and compromise the accuracy of my credit 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 non-monetary relief
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my TransUnion, Experian And Equifax credit file. After carefully reviewing my report, I discovered multiple late payment notations that are inconsistent with my actual payment history and therefore must be corrected. These inaccuracies are both harmful to my credit profile and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) .I am disputing the following accounts on my credit report : XXXX. XXXX XXXX Account Number XXXX  My TransUnion credit report is currently showing this account with a history of late payments, specifically reported as XXXX  days late in XXXX XXXX XXXX  days late in XXXX XXXX XXXX days late in XX/XX/XXXX, and XXXX days late from XX/XX/XXXX through XX/XX/XXXX. This reporting is completely inaccurate. During this period, I made payments and had arrangements with the creditor to avoid delinquency. At no time was I XXXX  days past due for nearly half a year straight, as TransUnion now reflects.2. XXXX XXXX  Account Number XXXX This account is being reported by TransUnion with late payments marked as XXXX  days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XX/XX/XXXX, and XXXX  days late in XX/XX/XXXX. Moreover, these reported delinquencies occurred during a time when consumers were protected under the CARES Act, which required that accounts receiving accommodations ( such as forbearance or payment arrangements ) must not be reported as delinquent. By listing these late payments despite protections in place, TransUnion and the furnisher have failed to comply with federal requirements. Under FCRA 611, TransUnion, Equifax, Experian must correct information that can not be verified. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their reporting. Finally, under FCRA 605B, I have the right to block reporting that is incomplete or false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: FL

Complaint narrative:
My personal information was stolen and used to open an account without my knowledge or permission. I did not apply for or authorize this account. 
Creditor/Institution : DISCOVER BANK Account Number : XXXX Date discovered : XX/XX/year> I first learned of this account when I was contacted by the creditor. I immediately took steps to address the identity theft, including : Filing an FTC Identity Theft Report Report # XXXX Filing a police report Report # XXXX Sending dispute letters to the credit bureaus and creditor, including supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my TransUnion, Experian And Equifax credit file. After carefully reviewing my report, I discovered multiple late payment notations that are inconsistent with my actual payment history and therefore must be corrected. These inaccuracies are both harmful to my credit profile and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) .I am disputing the following accounts on my credit report : XXXX. XXXX XXXX Account Number XXXX  My TransUnion credit report is currently showing this account with a history of late payments, specifically reported as XXXX  days late in XXXX XXXX XXXX  days late in XXXX XXXX XXXX days late in XX/XX/XXXX, and XXXX days late from XX/XX/XXXX through XX/XX/XXXX. This reporting is completely inaccurate. During this period, I made payments and had arrangements with the creditor to avoid delinquency. At no time was I XXXX  days past due for nearly half a year straight, as TransUnion now reflects.2. XXXX XXXX  Account Number XXXX This account is being reported by TransUnion with late payments marked as XXXX  days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX days late in XX/XX/XXXX, and XXXX  days late in XX/XX/XXXX. Moreover, these reported delinquencies occurred during a time when consumers were protected under the CARES Act, which required that accounts receiving accommodations ( such as forbearance or payment arrangements ) must not be reported as delinquent. By listing these late payments despite protections in place, TransUnion and the furnisher have failed to comply with federal requirements. Under FCRA 611, TransUnion, Equifax, Experian must correct information that can not be verified. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their reporting. Finally, under FCRA 605B, I have the right to block reporting that is incomplete or false.

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 2025-08-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I tried to apply for a Chime prepaid account and they said I already have an account and I never had an account, was released from prison recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>2025 National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX Re : Identity Theft Demand for Deletion & Cease Collection To Whom It May Concern, I am writing regarding the following account that you are reporting and/or attempting to collect : Creditor/Collection Agency : National Credit Adjusters Account Number : [ Insert Number ] This account is the direct result of identity theft and does not belong to me. I did not authorize, open, or use this account in any way.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), I am disputing this debt in its entirety and demanding that all collection activity cease immediately. Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are prohibited from furnishing information relating to debts that result from identity theft once proper notice has been given.

Enclosed are : A copy of my Identity Theft Report [ FTC or police report ].

I am demanding that you : Immediately delete this fraudulent account from any and all credit reporting agencies.

Cease all collection activity and contact regarding this account.

Provide me with written confirmation that you have complied with these requests.

Failure to comply will constitute a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office, as well as pursue any other remedies available to me under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Subject : Formal Dispute Unauthorized Access to My Credit Report Under 15 U.S. Code 1681b Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the furnishing and/or access of my credit report and personal credit information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b. 
According to the FCRA, consumer reporting agencies are prohibited from furnishing a consumer report unless it is for a permissible purpose, and in certain cases, only with the written consent of the consumer. I am asserting that I never provided any written consent to [ insert company name if known ] or any other entity to obtain or access my credit report. Therefore, I demand a full investigation into the following : The identity of the entity or individual who accessed or received my credit report. 
The date and reason for such access. 
A copy of any authorization or documentation allegedly provided as written consent by me. 
If there is no verifiable and legally sufficient written consent provided by me, I demand that you : Immediately remove any unauthorized inquiries or disclosures from my credit file. 
Provide me with written confirmation that these unauthorized actions have been corrected. 
Ensure no future furnishing or release of my credit information without my explicit written authorization, as required by law. 
This is a formal dispute pursuant to the FCRA, and I expect a response within the 30-day timeframe outlined by federal law. Please consider this letter a formal record and request that it be included in my credit file as a statement of dispute, should this matter remain unresolved. 
I am attaching a copy of my government-issued ID and proof of address for identity verification purposes. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of ID Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: DC

Complaint narrative:
Equifax refused to fix the issue on my credit report. They put wrong information and refused to removed it. Equifax is corrupted company with fraudulent and scammy business practices. There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. Please see the attached documents. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MA

Complaint narrative:
I am filing a complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) to dispute several charge-off accounts appearing on my credit file. After carefully reviewing my report, I have identified the following issues that require immediate correction or deletion : Charge-Off Accounts Over {$600.00} Without IRS Form 1099-C The following accounts are being reported as charge-offs, yet no IRS Form 1099-C has been issued . Under IRS regulations, creditors are required to issue a Form 1099-C if a debt of {$600.00} or more is canceled or forgiven. The absence of this form suggests these debts have not been officially forgiven, making continued reporting misleading and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because no IRS Form 1099-C exists , the reporting of these accounts as charge-offs violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires accurate and verifiable reporting of consumer information. I request that these accounts be either corrected with supporting documentation or permanently deleted from my credit file.

The following account is obsolete and should no longer appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ) and FCRA 605 ( c ), charge-off accounts may only be reported for seven years plus XXXX  days from the date of the first delinquency. This account is beyond the allowable reporting period and must be removed immediately. 
Unauthorized Inquiry Additionally, I am disputing the following inquiry as it was not authorized by me and therefore does not meet the permissible purpose requirements outlined in FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: MA

Complaint narrative:
I am filing a complaint under my rights provided by the Fair Credit Reporting Act ( FCRA ) to dispute several charge-off accounts appearing on my credit file. After carefully reviewing my report, I have identified the following issues that require immediate correction or deletion : Charge-Off Accounts Over {$600.00} Without IRS Form 1099-C The following accounts are being reported as charge-offs, yet no IRS Form 1099-C has been issued . Under IRS regulations, creditors are required to issue a Form 1099-C if a debt of {$600.00} or more is canceled or forgiven. The absence of this form suggests these debts have not been officially forgiven, making continued reporting misleading and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because no IRS Form 1099-C exists , the reporting of these accounts as charge-offs violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires accurate and verifiable reporting of consumer information. I request that these accounts be either corrected with supporting documentation or permanently deleted from my credit file.

The following account is obsolete and should no longer appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ) and FCRA 605 ( c ), charge-off accounts may only be reported for seven years plus XXXX  days from the date of the first delinquency. This account is beyond the allowable reporting period and must be removed immediately. 
Unauthorized Inquiry Additionally, I am disputing the following inquiry as it was not authorized by me and therefore does not meet the permissible purpose requirements outlined in FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) : XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am submitting this complaint regarding several accounts that continue to be inaccurately reported on my credit reports with Equifax, Experian, and TransUnion, despite prior disputes and deletions from other bureaus. These accounts contain unverifiable balances, reporting inconsistencies, and potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts in question are : XXXX Original Creditor XXXX XXXX Account # : XXXX Balance : {$14000.00} Last Activity : XX/XX/XXXX This account is being reported by a third-party collector. 
XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX  Account # : XXXX Balance : {$5000.00} Last Activity : XX/XX/XXXX This account has been removed from Experian and TransUnion but remains on Equifax. 
XXXX XXXX Account # : XXXX XXXX : {$1100.00} This account persists on Equifax despite deletion from other bureaus. 
XXXX XXXX XXXX Account # : XXXX Balance : {$940.00} Last Activity : XX/XX/XXXX Deleted from Experian yet still reported by Equifax. 
XXXX Account # : XXXX Balance : {$390.00} Last Activity : XX/XX/XXXX The most recent collection item, requiring full validation. Without documentation of the original creditor, payment history, and contractual obligation, the account can not legally remain. These accounts have not been properly verified or corrected, despite my rights under federal law. Under FCRA 611, credit bureaus are required to conduct a reasonable reinvestigation of disputed information and remove unverifiable or inaccurate data. Under FCRA 623, furnishers must report only accurate and complete information. Additionally, under FDCPA 807, 808, and 809, debt collectors must provide validation and accurate information when reporting debts.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/2025 I made an online purchase from XXXX using my Cash App debit card. I did not receive my order and called XXXX and entered several disputes with them. I bought insurance with my purchase. The delivery company was XXXX. I called XXXX to file a claim and was told that only the shipper, XXXX could file a claim. XXXX told me they had filed a claim, which XXXX denied as there is no claim in there system from my order. At this point I filed a dispute with cash app. These disputes were filed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They're only reply was that XXXX told them they filed a claim and XXXX denied it when XXXX  has no claim in there records. They have not tried to resolve this issue and XXXX no longer communicates with me after I called out their lie. It has been almost 2 months of a merry go round with these XXXX companies and I want my money back. The damage they have caused my life because of this transaction is very detrimental including the toll on my mental health because of the issues it has caused.

Company response to consumer: Closed with explanation