vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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:
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 explanation
Consumer complaint received 2025-07-31 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 am a victim of identity theft. I am writing to formally dispute several fraudulent accounts that have appeared on my credit report as a result of identity theft. This is my official statement about the crime. I have attached my personal identifying information, and I have also enclosed a copy of my official Identity Theft Report from the Federal Trade Commission ( FTC ), with FTC Report Number : XXXX. 

Pursuant to 15 U.S.C. 1681c-2, I am requesting that you block the reporting of any information related to the following fraudulent accounts immediately. This law explicitly states that a consumer reporting agency must block the reporting of information that a consumer identifies as resulting from identity theft, provided the consumer submits an identity theft report. 

The following accounts are not mine and were opened without my knowledge or authorization : XXXX XXXX  : Fraudulent Checking or Savings Account, discovered in XX/XX/year>. 


XXXXXXXX XXXX XXXX : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$1000.00}. 


XXXXXXXX XXXX XXXX  : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$770.00}. 


XXXX XXXX XXXX  Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$2200.00}. 


XXXX XXXX : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$2800.00}. 


Fraudulent Information on Credit Reports : Yes, fraudulent accounts or charges appear on my credit report. 

I want to emphasize that under 15 U.S.C. 1681c-2, a police report is not required for this action. The FTC Identity Theft Report is sufficient for you to fulfill your legal obligation to block this information. 

I demand that you permanently block the reporting of this fraudulent information and delete these accounts from my credit file within four ( 4 ) business days of your receipt of this letter, as required by law. I also request that you send me written confirmation that these actions have been completed. 

Failure to comply with this request will be considered a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-07-31 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 a victim of identity theft. I am writing to formally dispute several fraudulent accounts that have appeared on my credit report as a result of identity theft. This is my official statement about the crime. I have attached my personal identifying information, and I have also enclosed a copy of my official Identity Theft Report from the Federal Trade Commission ( FTC ), with FTC Report Number : XXXX. 

Pursuant to 15 U.S.C. 1681c-2, I am requesting that you block the reporting of any information related to the following fraudulent accounts immediately. This law explicitly states that a consumer reporting agency must block the reporting of information that a consumer identifies as resulting from identity theft, provided the consumer submits an identity theft report. 

The following accounts are not mine and were opened without my knowledge or authorization : XXXX XXXX  : Fraudulent Checking or Savings Account, discovered in XX/XX/year>. 


XXXXXXXX XXXX XXXX : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$1000.00}. 


XXXXXXXX XXXX XXXX  : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$770.00}. 


XXXX XXXX XXXX  Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$2200.00}. 


XXXX XXXX : Account number ending in XXXX, discovered in XX/XX/year>, with a total fraudulent amount of {$2800.00}. 


Fraudulent Information on Credit Reports : Yes, fraudulent accounts or charges appear on my credit report. 

I want to emphasize that under 15 U.S.C. 1681c-2, a police report is not required for this action. The FTC Identity Theft Report is sufficient for you to fulfill your legal obligation to block this information. 

I demand that you permanently block the reporting of this fraudulent information and delete these accounts from my credit file within four ( 4 ) business days of your receipt of this letter, as required by law. I also request that you send me written confirmation that these actions have been completed. 

Failure to comply with this request will be considered a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal remedies. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
My phone was lost during a concert. I recovered my phone a day later. I was unaware my info was accessed and transactions were being done with my account until later. I reached out to cashapp to attempt to recover some of my funds but was told there was nothing that could be done. I didnt know my money was being sent from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM XXXX, I received a phone call from XXXX. A gentleman introduced himself by first name only and asked if I was XXXX XXXX. After I confirmed my name, he began stating the beginning of my address and asked me to verify the city, state, and ZIP code. 

I declined, explaining that I do not confirm personal information unless I know who I'm speaking with and the reason for the call. He did not provide any additional information or identify the company he was calling from. Instead, he responded with, Okay, have a great day, and abruptly ended the call. 

Concerned, I searched the phone number online and found it associated with a website called Dasi.net. I called the number back and explained that I had just spoken with someone who asked for personal information I wasn't comfortable providing. I politely asked what company they represent and why they had called.

Rather than answering, the man on the line said, Dont worry, Ill put you on the Do Not Call list, and ended the conversation without providing any details.

This interaction raised concerns about privacy, transparency, and potentially deceptive business practices. At no point was I told who was calling, what company they represented, or why they needed my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-07-31 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:
My personal information was released to the public via the Equifax Data Breach. Someone was successful in opening accounts in my name that were not authorized. I have submitted my ftc reports over 60 days ago and no one has investigated properly. pursuant to section 609 of the fcra these items must be deleted within 4 days of you receiving this. I have been denied various credit products and this is damaging my life. I did not authorize the accounts listed on the ftc reports so remove them immediately. I have submitted proof of my information being involved in the Equifax Data Breach. my identification documents are included in each word document at the end of the letter

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against navy federal for similar practices, were transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
on XX/XX/XXXX I checked in to the XXXX XXXX XXXX and used my XXXX XXXX XXXX for the check in, The amount to be held was for {$150.00} for a holding deposit. But once i checked my account there was a charge for {$170.00} I've been calling for two weeks and getting nowhere I was on a call today XX/XX/XXXX with XXXX and she was very rude was suppose to be a supervisor but wasn't knowledgeable to any of the company policies. The hotel has sent them over several documents asking them to release the funds but for some reason XXXX XXXX  wont release the funds. I am asking that i receive my money back immediately and that they are held accountable for their actions. I am on a fixed income with unemployment and dealing with this is causing financial hardship along with emotional distress!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been unable to access my Experian credit report since XX/XX/year>, and neither can any creditors. Soft and hard inquiries are both blocked, which has directly caused multiple denials of credit, even though my credit standing should allow approval. 

I've made dozens of attempts to contact Experian by phone, but the automated system disconnects immediately or loops endlessly, preventing access to a live person. There has been no resolution and no explanation for this continued denial of access. I also can not view my report online or through Experians app. 

This issue has persisted for nearly one full year, and I believe it may involve either an internal block, fraud lock, or technical errornone of which I have been able to resolve, since I am unable to speak to anyone. 

My rights under the Fair Credit Reporting Act ( FCRA ) include access to my credit file, the ability for lenders to review it, and the ability to dispute or correct errors. All of that has been obstructed. 

I am urgently requesting CFPB intervention so that Experian will : Restore full digital access to my credit file Remove whatever block is preventing soft and hard inquiries Provide written follow up and confirmation of restored ability to have my credit report pulled both soft and hard inquiries as well as personal access to view my credit report details online via Experian which I have not been able to do because the website and app both only show the last updated version which was in XX/XX/year> and it will not update. 

Also please send a written explanation of what caused this after it is resolved.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
Subject : Fraudulent Derogatory Account on My Equifax Credit Report Details : I am submitting a complaint regarding a fraudulent derogatory account currently appearing only on my Equifax credit report. 
Details of the fraudulent account : Creditor Name : XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : XXXX XXXX  Account Status : Derogatory 120 Days Late Monthly Payment : {$460.00} Date Opened : XX/XX/year> Reported Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: DC

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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