vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am 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 reemove the listed items in ID Theft report within 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 remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXXXXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am 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 reemove the listed items in ID Theft report within 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 remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXXXXXX 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 explanation
Consumer complaint received 2025-07-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-11 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: MI

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I send money to my mother for the purchase on an item, a T shirt that has graphics on it that reads XXXX XXXX, through cash app. Cash app flagged the purchase because the description has the word XXXX in the name. They contacted me on the XXXX if XXXX asking to explain the nature of the purchase or they would suspend my account after 5 days! They suspended my account 2 days later and even thought I have them the nature of the purchase they have not released my account and its been over 12 days Ive missed bills and Ive had no access to my funds. They reached back out on the XXXX of XXXX asking for the meaning of XXXX as though I hadnt already explained that was the graphic on the item and have yet to release my account. This is the account I receive any business payment for my lively hood and has been damaging to my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
In early XX/XX/year>, I disputed a collection account reported by TransUnion related to a rental property ( XXXX XXXX XXXXXXXX, TX ) serviced by XXXX XXXX XXXX XXXX XXXX. I submitted my final move-out documentation as evidence that I vacated the apartment properly, followed all required procedures, and should not be held responsible for the outstanding balance of {$2600.00}. 

On XX/XX/XXXX, TransUnion completed its investigation and marked the item as " Verified as Accurate. '' However, no explanation was provided regarding how my submitted documentation was considered or why the account remained in collection. The reporting was updated to include trended historical data and rating adjustments, but the core disputethe validity of the debtwas not resolved. 

I requested a full reconciliation of charges from the company and asked for a detailed explanation of the basis for the collection. To date, XXXX XXXX and TransUnion have failed to provide that information or take corrective action. I believe this reflects an inadequate investigation and unfair treatment that continues to negatively impact my credit profile. 

I am requesting a formal review and correction of this matter, and I consent to publishing this experience so others understand how similar disputes are handled.

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 2025-07-11 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: TN

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX AXXXX XXXX XXXX XXXX XXXX Balance Owed : {$70.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am filing a complaint about a collection account from XXXX XXXX that has been reported to the credit bureaus and is negatively affecting my credit report. 

On XX/XX/XXXX, I placed an order for XXXX XXXX service, which included a promotion for XXXX XXXX service at {$4.00} per month. The official order confirmation email from XXXX clearly stated : " XXXX XXXX Monthly Charges Estimated Monthly Bill : $ XXXX '' However, I was later billed : {$70.00} for the billing cycle from XX/XX/XXXX to XX/XX/XXXX {$44.00} for XX/XX/XXXX to XX/XX/XXXX {$17.00} for XX/XX/XXXX to XX/XX/XXXX These amounts far exceeded the agreed $ XXXX. I submitted a cancellation request for the XXXX XXXX service on XX/XX/XXXX, yet billing continued beyond that date. 

I withheld payment due to the billing discrepancies and attempted to resolve the issue with XXXX. Despite my efforts, the account was sent to a debt collector and now appears as a collection on my credit report. 

I have since paid the full amount directly to XXXX, not to the collection agency. Given that : The original charges were inconsistent with the order confirmation ; I canceled the service but was still billed afterward ; I have now paid the account in full ; I respectfully request that XXXX  recall the collection account and notify the credit bureaus to remove the negative item from my credit report. 

I am filing this complaint to ask CFPB to help ensure XXXX resolves this billing and credit reporting issue fairly and expediently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
On XX/XX/year>, I contacted XXXX about my XXXX loans being reported twice to Transunion. I filed a dispute with Transunion as well. I was told by Transunion, that XXXX stated the amount was correct. This is not factual information. I contacted Department of Education as well as XXXX again several times afterwards. I was told that it would be corrected in a 90 days time period. It has not been corrected and to this day reflects on my Transunion Credit Report. This has continued to affect my credit score and prevented me from purchasing a home. This amount is doubled and affects my debt to income ratio. After several attempts to seek assistance for this to be corrected, I have decided to pursue action through this complaint. This has caused me to be depressed and disappointed because it has severely interfered in my dream of buying a home.

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 2025-07-11 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 is a formal request to remove the fraudulent and incorrect address listed on my credit report. I have never resided at the reported location, and I have provided documentation that verifies my accurate address history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MN

Complaint narrative:
I disputed the items multiple times and asked for proof that I owe the balance but did not receive it. In XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
I recently discovered that my account was marked as late open and charged off due to payment issues I was unaware of. After reviewing my records, I believe there may have been misunderstandings or missed payments that could have been resolved. As per the Fair Credit Reporting Act ( FCRA ), it is my understanding that any inaccurate information or unresolved disputes should be addressed promptly. I respectfully request a thorough review of the account and its status, as the details provided seem inconsistent with my records. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX Balance : {$1800.00} Lates : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently became aware of credit data on my file that I did not authorize or initiate. These entries were added without my knowledge and are a result of identity misuse.

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 2025-07-11 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 writing to dispute a late payment reported on my credit file that I believe is inaccurate. I have maintained a detailed payment record and have identified this entry as an error based on a comparison with my statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: KY

Complaint narrative:
Debt was sold to a company and I contacted the company and paid the debt in full with an agreement to delete after payment. Delete was to happen 30 days later but the company hasnt deleted.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Didnt receive notice of such debt nor is credit collections, the original creditor, or provided assignment and or contract for search debt nor had credit collections attempt to validate the debt. Has provided XXXXXXXX XXXX XXXX XXXX with inaccurate information that has not been validated nor given notice to the debtor in order to dispute prior to providing credit bureaus the inaccurate non-validated information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX as the original creditor for multiple collection accounts. This is inaccurate. The actual original creditors are XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX, as correctly reported by XXXX XXXX XXXX Equifaxs reporting is false, misleading, and unverifiable.

Under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611, this data must be removed, not corrected. I am requesting complete deletion of these accounts from my Equifax credit report. 

I have attached screenshots of the credit report discrepancies and a formal dispute letter requesting deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 recently reviewed my credit report and discovered an address listed that I have never lived at. This raises serious concerns about potential identity misuse or reporting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-07-11 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
Experian is falsely reporting multiple entries for the same XXXX account on my credit reportthe same exact account is listed six times with different balances, all marked as closed. These are clearly duplicates and are falsely inflating my debt and damaging my credit score.

Additionally, Experian continues to report debts that were already closed and settled with the bureaus. These entries should have been removed. I have submitted disputes, and Experian falsely claims to have investigated them, yet the false information remains.

This behavior directly violates the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ) which requires Experian to conduct a proper reinvestigation. 

I am also aware that on XX/XX/scrub>, 2025, the CFPB sued Experian for sham investigations into credit disputes and reinserting inaccurate information. This proves a pattern of deceptive behavior, and my case is another clear example. 

I am demanding full removal of the duplicated and closed XXXX accounts and any previously resolved debts still being reported. This false reporting is affecting my ability to obtain credit and causing me financial harm. 

If this is not immediately corrected, I will pursue legal action for damages under the FCRA. 

Thank you

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