vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson capital llc XX/XX/year> {$1200.00} They want delete it and I keep dispute XXXX XXXX XXXX {$250.00} They want delete it can I keep dispute XXXX XXXX XXXX XXXX {$550.00} They want delete it and I keep dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: MA

Complaint narrative:
I suddenly started to receive phone calls, and text messages from a company called " D2 Management '' about owing money to another company as they are a debt collector. They are claiming I owe {$1300.00} to " XXXX XXXX : XXXX XXXX XXXX XXXX  ''. In 2023, CFPB took enforcement against XXXX XXXX and as part of the settlement the existing lease agreements with them were supposed to be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
It is extremely upsetting that the inaccurate late payments continue to show on my credit reports today, and I do not know the reason. Refreshing my browser did not remove them. I need the documents I provided to be properly examined right away so I can finally stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This correspondence serves as a formal notice under federal law that i herby dispute the validity, completeness, and accuracy of XXXX XXXXXXXX XXXX, reference acct # XXXX. Furthermore, I am exercising my right to cease all communication regarding this alleged debt as authorized under the ( FDCPA ) 15 USC 1692c ( c ). Pursuant to 15 USC 1692c ( c ), XXXX XXXXXXXX XXXX are hereby instructed to cease all communication with me, family, or third party concerning the alleged account. Any further noncompliant contact will constitute a violation of federal la and XXXX result in legal action, including statutory damages, attorney 's fees, and costs as permitted under 15 USC 1692k. Under the Fair Credit Billing Act 15 USC 1666 ( b ), I am notifying you of billing errors and inaccurate or incomplete account information that appear in your records and or reports made to credit reporting agencies. This include, but not limited to : Inaccurate balance or payment history reporting, Unverified or incomplete account data, and charges or entries not properly authorized or validated. Additionally, under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are legally obligated to report only accurate and complete data. Any continued reporting of incomplete, unverifiable, or inaccurate information constitutes a direct violation of federal law and XXXX be subject to enforcement and civil penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This correspondence serves as a formal notice under federal law that i herby dispute the validity, completeness, and accuracy of XXXX XXXXXXXX XXXX, reference acct # XXXX. Furthermore, I am exercising my right to cease all communication regarding this alleged debt as authorized under the ( FDCPA ) 15 USC 1692c ( c ). Pursuant to 15 USC 1692c ( c ), XXXX XXXXXXXX XXXX are hereby instructed to cease all communication with me, family, or third party concerning the alleged account. Any further noncompliant contact will constitute a violation of federal la and XXXX result in legal action, including statutory damages, attorney 's fees, and costs as permitted under 15 USC 1692k. Under the Fair Credit Billing Act 15 USC 1666 ( b ), I am notifying you of billing errors and inaccurate or incomplete account information that appear in your records and or reports made to credit reporting agencies. This include, but not limited to : Inaccurate balance or payment history reporting, Unverified or incomplete account data, and charges or entries not properly authorized or validated. Additionally, under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are legally obligated to report only accurate and complete data. Any continued reporting of incomplete, unverifiable, or inaccurate information constitutes a direct violation of federal law and XXXX be subject to enforcement and civil penalties.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
It isnt an honest representation of my money mindset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Assure that removal of disputed entries occurs as the law demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: KS

Complaint narrative:
This information listed for my name, address and work are not mine.

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 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of York, Inc.
State: VA

Complaint narrative:
1. Failure to Adequately Validate Debt : I sent a certified debt validation request on XX/XX/XXXX. XXXX  to the collection agency, demanding proof of the debt 's validity. Although they sent some documents ( lease, eviction summons, and an itemized ledger ), they failed to provide key information to validate the debt. Specifically, they did not provide conclusive proof of their legal right to charge a {$4100.00} collection fee and did not provide a document proving their legal ownership or assignment of this debt from the original creditor. 

2. Inconsistent Furnisher Identity : The agency has used three different names across my credit reports and their direct communication with me, leading to confusion and demonstrating a lack of accuracy in their reporting. Additionally, the original creditor 's name also appears under two different names. 

3. Potential CARES Act Violation : The debt arose during the COVID-19 pandemic, a federally declared disaster. My financial hardship was a direct result of the pandemic. Their decision to furnish this debt without considering the financial hardship that occurred during a period of federal protection further supports my position that this reporting is inaccurate and should not have been furnished in its current state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
On XX/XX/year>, I woke up and discovered my wallet was missing, which contained my Cash App Card, XXXX Rewards/Checking debit card, and XXXX credit card. At approximately XXXX XXXX  ( ET ), my XXXX account was accessed without my authorization and funded via Cash App using my XXXX XXXX Rewards Checking. A total of {$1800.00} posted that morning across five transactions : {$300.00}, {$700.00}, {$300.00} ( XXXX XXXX ) and {$200.00}, {$300.00} ( XXXX XXXX XXXX & XXXX ). I did not authorize those transfers to Cash App nor the transactions with XXXX. I immediately canceled my XXXX debit and Cash App cards and reported the activity upon discovery. Cash App sent Unknown Device and XXXX XXXX security alerts indicating account takeover, and XXXX later closed the account for suspected fraud. Cash App has denied three disputes ( {$300.00}, {$700.00}, {$300.00} ) ; decisions on the remaining two ( {$200.00}, {$300.00} ) are pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I got a XXXX transfer from a friend in the sum of {$280.00}. Today is XX/XX/year> and I still havent received the transfer. 
I called and they gave me a case number and told me to wait 5 business day! This is robbery. They are stealing my money. 
Case number : 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 2025-10-21 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: IL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-21 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: SC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-21 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: FL

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 XX/XX/XXXX -- {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to express my deep disappointment upon discovering a XXXX entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, I discovered unauthorized charges on my Chase bank account linked to my debit card. The fraudulent transactions occurred on XX/XX/year> and in amounts totaling approximately {$10000.00}. I did not authorize these transactions nor did I provide my card information or consent for these charges. 

I immediately contacted XXXX customer service on XXXX XXXX to report the unauthorized activity and request that the transactions be reversed. The representative I spoke informed me that a dispute would be opened and that provisional credit might be issued while the investigation was underway. The bank ultimately issued credits for the unauthorized charges ; however, the ATM withdrawal amounts ( approximately {$6000.00} ) remain unreturned. 

Despite following all required steps, including filing a fraud claim and providing documentation such as a police report, the issue has not yet been resolved in full. Chases communication about the outcome has been unclear and inconsistent.

Company response to consumer: Closed with monetary relief