vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
Please see attached document please. Company continue to place errors on my report heres the proof please audit and investigate. I have attached the credit reports including XXXX  XXXX  and TransUnion. You will see that I didnt attach it to my prior submission but here you see the photos of XXXX XXXX  showing how XXXX is displaying that they owned the debt and the dates claiming accounts were open. XXXX  TransUnion XXXX  knows they continued placing these errors and removing all the companies including XXXX willfully knowingly violated my rights and under laws this is serious. If at any time counsel wants to negotiate and fix this out of court we can do so but I am not allowing any type of pushover negotiations this has been going on for years and Im shocked as to how the CFPB havent audit them for years on my account I called and begged but it never happened.CFPB, credit agencies XXXX should be ashamed. Please allow 7 calendar days for this matter to be resolved. No excuses strictly business and professionalism.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I believe the account is invalid. AWA COLLECTIONS XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.AWA COLLECT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize this inquiry, and I had no contact with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: GA

Complaint narrative:
IRS deposited XXXX $ on XX/XX/XXXX XXXX my cash app account and before that XX/XX/year> $ cash app will not allow me access to that account nor will they send the money back to the IRS the account should be inactive for 5 years now but it was inactive for XXXX before IRS XXXX gave them the account number and all the information my identity has been stolen and I found out through the IRS that taxr returns were being filed by cash app so I am assuming they have allowed someone to access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
Short Complaint Summary for CFPB Portal I am a victim of identity theft and inaccurate reporting Several accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) were fraudulently opened in my name and must be blocked under FCRA 605B. In addition, SS # stolen and being used for employment in New York. 

In XX/XX/year>, XXXX XXXX XXXX refused to accept a payment plan I offered but still reported my account as charged-off, which is incomplete and misleading under FCRA 623 . 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accepted a XXXX transfer to a XXXX XXXX closed checking account XXXX XXXX, diverted the funds into my savings account ( not authorized for wire/XXXX  transfers ), and withdrew {$800.00} to cover overdrafts in business accounts despite an existing payment plan. This conduct is deceptive, unlawful, and reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: PA

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Harris & Harris is illegally re-aging a XXXX XXXX debt on my credit report. They are reporting the account as opened on XX/XX/XXXX with a status updated XX/XX/XXXX and balance updated XX/XX/XXXX. This makes it appear as a new collection, when in fact the debt is several years old. Under the Fair Credit Reporting Act ( FCRA ), a debt can not be re-aged to restart the 7-year reporting period. The Date Opened and Status Updated entries are inaccurate and misleading.

This false reporting is hurting me financially by lowering my credit score, increasing my cost of credit, and preventing me from obtaining new credit opportunities. I have attached screenshots that prove Harris & Harris is reporting this account with an artificially new open date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors 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 2025-08-29 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 recently obtain a copy of my credit report, upon reviewing i notice a several inaccuracy on my account, which is hurting my ability to obtain credit.i will like to have this inaccuracy investigated on my behalf, to ensure accuracy.below are the requested account Company name - XXXX XXXX Account number - XXXX Company name - XXXX  XXXX Account 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 non-monetary relief
Consumer complaint received 2025-08-29 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: IN

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting documents.

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 2025-08-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: MS

Complaint narrative:
I misplaced my card because we had to temporarily move due to mold in our home. I called ask for a replacement card and had it expedited. They deleted my account and sent the card right away. I tried to activate the card but something must have triggered a red flag (? ) They sent a no reply email telling me to call customer service number. Same one I called to get replacement card. I tried over and over for about 10 days spending hours on hold. No one would answer. I believe it's because you have to put your card information in first and it comes up invalid card because of temporary restriction so they ignore your call. They sent me a letter saying they tried to call me but couldn't get through. I had to get my number changed because of constant harrasing calls. ( Someone sold my information ) They said to call the same number I had tried constantly for about 10 days. I finally sent a letter to XXXX XXXX ( included new number ) asking to lift the temporary restriction or tell me how to transfer my funds to my new bank account. I have XXXX payment in XXXX  account and within a couple of days XXXX payment also will be deposited in XXXX XXXX account and no way to access any of my funds. You can't email them or get through to customer service by calling the number they provide. My family is paying my bills because I can't access my funds. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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 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 :

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
I was attempting to verify my identity within CashApp after receiving my new drivers license. Each time I entered my information, the app stated that my information was incorrect. I tried three times, carefully entering the correct details. Afterward, when I went to access my account, I received a message saying that my account had been permanently closed due to a violation of terms. I did not violate any terms my only intention was to verify my identity as requested. Since then, I have been unable to use my account or access my funds. I have contacted CashApp, but I have not received a clear explanation or resolution. I believe my account was closed in error, and I am requesting assistance in having CashApp review this matter fairly and restore access or provide a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from 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 2025-08-29 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-29 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: AK

Complaint narrative:
I am a victim of XXXX XXXX XXXXf Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX TransUnion XXXX XXXX XX/XX/2025 TransUnion XXXX XXXX XXXX XXXXXX/XX/2025 TransUnion

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 2025-08-29 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-29 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: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX * Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-29 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate account being reported on my credit file by XXXX XXXXXXXX XXXX 

The account was closed in XXXX, yet it continues to report monthly delinquencies/charge-off codes throughout XXXX and XXXX. According to the Credit Reporting Resource Guide XXXX XXXX XXXX XXXX ), once an account is closed, furnishers can not continue to report new late payments or charge-offs beyond the closure date. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), as the information being furnished is factually inaccurate and misleading. It creates the false appearance of new late payments every month, which is not true.

Since the furnisher and the credit bureaus have shown an inability to maintain accurate reporting, the only lawful remedy under FCRA 611 ( a ) ( 5 ) ( A ) is complete deletion of the account from my credit file.

I am requesting the CFPB to take action and ensure this account is deleted entirely, not corrected or updated, since the ongoing false reporting demonstrates that accuracy can not be maintained.

Failure to remove this account will leave me no choice but to escalate further with the FTC and my State Attorney General for willful violations of federal 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 explanation