vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and noticed multiple errors that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards. 

There are collection accounts being reported that have never been properly verified or validated. The companies reporting them have not provided original documentation or proof of ownership, and some of the information listed including balances, dates, and payment history is completely inaccurate. These accounts are not following proper Metro 2 data field requirements and are being reported unfairly. 

I also found several accounts showing late payments that are false and do not reflect my real payment history. These negative marks are damaging my credit and are being reported inconsistently across all three bureaus. On top of that, there are hard inquiries listed that I never authorized, and some are not connected to any active or approved accounts, which is a direct violation of FCRA 604 ( a ). 

Ive already disputed these items with the credit bureaus and the companies reporting them, asking for full validation and correction. However, the same inaccurate information remains. These errors are clearly causing harm to my credit profile and go against federal law. 

I am requesting a full reinvestigation of these accounts, permanent removal of any unverifiable or inaccurate information, deletion of unauthorized inquiries, and immediate updates across all three credit bureaus to reflect accurate and compliant data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-13 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: TX

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 2025-11-13 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-13 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX DOB : XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ), Account Ending in XXXX. The complaint is for XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, SC XXXX, regarding an alleged debt associated with Account # ending in XXXX. I am submitting this formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 3-501 and 3-505, to demand full validation of the debt referenced above.I dispute this debt in its entirety and request the following documentation within 30 days : 1. Proof of Ownership & Assignment : A certified copy of the original signed credit agreement bearing my signature and all applicable terms.

2. Chain of Title : Complete documentation showing the lawful transfer of rights from the original creditor ( XXXX XXXX, XXXX. ) to XXXX XXXX XXXX, including all intervening assignments and evidence of consideration paid.

3. Accounting Statement : A full itemized statement of the alleged debt from inception to present, detailing how the balance was calculated. 
4. Verification of UCC Compliance : Proof that the alleged obligation satisfies requirements of a negotiable instrument under UCC Article 3, including endorsement, presentment, and the lawful right to enforce. 
5. FCRA Compliance : If this account has been reported to any consumer reporting agency, provide the method of verification and the date accuracy was confirmed with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a {$500.00} payment through Cash App at approximately XXXX XXXX. XXXX hours later, around XXXX XXXX, an identical duplicate payment was sent without my authorization. I immediately contacted Cash App support to report the duplicate transaction and request a reversal. 

Cash App refused to assist and stated that the only option was to request the funds back from the recipient, which I did. Despite notifying them immediately and providing clear evidence that the second transaction was an unintended duplicate, they refused to reverse the unauthorized payment. 

Cash App has full capability to reverse duplicate transactions, especially when reported immediately, but they declined to do so. Their refusal, along with their lack of meaningful support, constitutes an unfair and deceptive business practice. 

Cash App is effectively allowing unauthorized duplicate transactions to stand so they can collect fees, despite immediate reporting and clear evidence of error. I am requesting regulatory assistance in recovering my {$500.00} and holding Cash App accountable for this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
The Discover account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a Chime checking account on XX/XX/year>. Per the promotion that I signed up for, a {$250.00} bonus would be deposited to my new account as long as I receive at least XXXX direct deposit of at least {$500.00}. 

I signed up for direct deposit but the initial XXXX attempt on XX/XX/year> was returned. The second attempt made on XX/XX/year> was successful. Upon checking on the status of the {$250.00} bonus, I was told that I no longer qualified and that the promotion has expired. 

I also had HORRIBLE client experiences both via chat and by phone. The Chime employees treating me with such disrespect and were rude and unprofessional. The phone representative yelled at me and would not let me speak when I attempted to state my concerns and request a supervisor. 

I am demanding that I receive the {$250.00} bonus that I qualified for. In addition to filing complaints with the XXXX, CFPB, and FTC, I am filing a class action lawsuit for false advertising and unethical business practices. I would also like a phone call from a Chime employee with elevated authority who can address my concerns around treatment by the chat and phone reps. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
Please inspect this entry ; its late and could be erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/year>, a Consumer Dispute Affidavit was mailed to LexisNexis to notify them that they are in violation of 15 USC 1692e, and need to remove all adverse information off of my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OR

Complaint narrative:
Could you review this entry? Its delayed and might be mistaken.

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 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
AIDVANTAGE APPROVED MY REQUEST TO BE PLACED IN AN IBR REPAYMENT PLAN IN XX/XX/year>. I RECEIVED DOCUMENTATION ON XX/XX/year> THAT AS A RESULT OF THE NEW XXXX PLAN I WAS ON THAT I WOULD HAVE A PAYMENT DUE ON XX/XX/year> IN THE AMOUNT OF {$1700.00} BASED ON THE INCOME DOCUMENTATION AND APPLICATION I SUBMITTED. 

WHEN I LOGGED ONTO THE AIDVANTAGE WEBSITE TODAY ( XX/XX/year> ) THE ACCOUNT WAS SHOWING THAT I OWED {$0.00}. I CALLED AIDVANTAGE AND SPOKE WITH REPRESENTATIVE XXXX XXXX TO FIND OUT WHY MY ACCOUNT WAS SHOWING {$0.00} DUE. XXXX STATED THAT SOMEHOW I WAS PUT ON AN ADMINISTRATIVE FORBEARANCE THE SAME DAY I WAS PUT INTO THE NEW XXXX  PLAN. I DID NOT ASK FOR AN ADMINISTRATIVE FORBEARANCE AFTER APPLYING AND BEING APPROVED FOR THE XXXX PLAN. XXXX THEN ATTEMPTED TO TAKE MY ACCOUNT OUT OF THE ADMINISTRATIVE FORBEARANCE THAT SOMEONE IN AIDVANTAGE PUT ME INTO IN ERROR AND NOW MY ACCOUNT IS SHOWING DUE IN THE AMOUNT OF {$3000.00} WHICH IS INCORRECT. 

AGAIN I AM HAVING SSUES WITH MY SERVICER AND MY STUDENT LOANS NOT REFLECTING ACCURATE INFORMATION AND BEING PLACED INTO A STATUS THAT I DID NOT ASK FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-13 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: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my Experian credit report. I have already disputed these items directly with Experian but have not received satisfactory resolution. I request that the Consumer Financial Protection Bureau investigate Experians handling of my disputes.

Charged-Off Accounts The following charged-off accounts are inaccurately reported and/or unverifiable : XXXX XXXX Account XXXX. XXXX, Date Opened XX/XX/XXXX, Balance {$4100.00} I do not believe this account is being reported accurately. The balance, charge-off status, and date information do not match my records. I request verification of the account, including all documentation used to substantiate its accuracy. 

XXXX XXXX XXXX XXXX Account No. XXXX, Date Opened XX/XX/XXXX, Balance {$4100.00} This account also appears inaccurate. The charge-off details and balance information are inconsistent. Please verify this account or remove it. 

Inquiries The following hard inquiries were made without my authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment information is being reported incorrectly. I request verification of payment history or removal of any inaccurate late entries.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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