vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute certain information on my credit report related to an account listed under the name XXXX XXXX  , with the account number XXXX. I am requesting an investigation into the accuracy and completeness of the reporting of this account. 

Here are the details of the account in question : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Unsecured Responsibility : Individual Status : Open / Never Late Date Opened : XX/XX/year> Balance : {$390.00} ( as of XX/XX/year> ) Monthly Payment : {$26.00} Terms : 18 Months Original Balance : {$390.00} Recent Payment : Not reported Payment History XXXX XXXX XXXX : No payments or updates reported for any month Status Updated : XX/XX/year> I am requesting that this account be reviewed for any inaccuracies or missing payment history that may affect my credit profile. Specifically, the lack of reported payment history raises concerns about the completeness of the accounts reporting. 

Please conduct a thorough investigation and correct or remove any inaccurate, incomplete, or unverifiable information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Kindly provide me with written confirmation of the results of your investigation. 

If you need additional information from me to complete your investigation, please contact me at the phone number or address listed above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
I previously disputed the account listed below, yet my credit report still shows inaccurate and incomplete information. XXXX now formally requesting the description of the procedures used to investigate this account. As required by law, you must provide this information within 15 days of receiving this notice. If you cant verify the accuracy or fail to respond in time, the disputed account must be removed from my credit report. Please see the attached letter for my request. I look forward to your reply. Given from the previous dispute for my negative.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
Company : Mohela Source : XXXX XXXX XXXX XX/XX/year> Issue : Mohela reported account 120 days past due Impact : Credit score drop of XXXX points, Very good to Fair Balance : XXXX What Happened : In early XXXX  I contacted XXXX XXXX about PSLF. I am a XXXXXXXX XXXX XXXXr for 15 years. I was told once I consolidated my loans, they would be forgiven. Apparently the loans were transferred to Mohela which I was not informed of. I received emails from Mohela but thought it was spam/scam-I never heard of Mohela. Until XX/XX/year> when all of my credit reports dropped XXXX. I contacted XXXX  who corrected the error. XXXX and XXXX  still have this incorrect data. As soon as I saw my loans were not forgiven and transferred to Mohela I paid everything to make current. I tried to call Mohela and they were of no assistance. I would like Mohela to correct the 120 day delinquency which destroyed my credit rating. I am still applying for PSLF. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  received my information fraudulently I'm assuming for the original creditors. I asked them to verify the account was mine through Transunion dispute resolution process they denied my claim without providing proof of ownership of the account I sent the complaint XX/XX/year> and they came back with a denied claim on XX/XX/year>. After speaking with a credit counselor I was advised to file this compliant with Cfpb because Transunion didn't provide proof of ownership or authorization to report this item on my credit

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 2025-05-27 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: 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. 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 explanation
Consumer complaint received 2025-05-27 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: 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. 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 2025-05-27 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I'm reporting inaccurate credit reporting by the credit bureau. They are reporting multiple, conflicting versions of the same XXXX account. 
The credit bureau is reporting multiple entries for one account from XXXX ( Account Numbers : XXXX and XXXX ). The entries have different payment histories, different " last activity '' dates, different remarks, and different late payment data even though they all reference the same original credit line. One says I paid 100 % on time, another says 50 %, and a third says no payment history.

I disputed this directly with the credit bureau, but they refused to delete it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), they are required to report only accurate and verifiable information. These multiple versions clearly show the information is inconsistent and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IN

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. In accordance with Section 605B of the Fair Credit Reporting Act, I ask that all unauthorized items be blocked and deleted. I have included a list of the disputed entries along with a copy of my Identity Theft Report filed with the FTC. Please provide written confirmation once the necessary corrections have been made.

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 2025-05-27 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my ife and credt health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my ife and credt health

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 2025-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc.
State: IL

Complaint narrative:
I am reporting a fraudulent collection account that has appeared on my credit report as a result of identity theft. The account is being reported by XXXX XXXX XXXX and lists XXXX XXXX XXXX  as the original creditor. The account information is as follows : Account number : XXXX Date opened : XX/XX/year> Balance : {$2100.00} Current status : Collection account, {$2100.00} past due I have never opened or authorized any account or rental with XXXX or any related entity. This account was opened fraudulently without my knowledge or consent. 

To resolve this, I have taken the following steps : Filed a police report for identity theft. 

Filed an Identity Theft Report with the Federal Trade Commission ( FTC ). 

Submitted both documents to XXXX XXXX XXXX  as part of a formal dispute. 

Disputed the account with all three major credit bureaus ( XXXX XXXX XXXX XXXX ), providing all supporting identity theft documentation. 

Despite my efforts and the documentation provided, XXXX XXXX XXXX continues to report this account as valid. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires debt XXXX to investigate disputes thoroughly and to stop reporting accounts that have been confirmed as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I submitted multiple disputes to TransUnion regarding an account listed as XXXX XXXX, Account # XXXX. This is a closed and fully paid auto lease account with XXXX XXXX XXXX, yet TransUnion is inaccurately reporting the name and listing multiple 60-day late payments from XXXX and XXXX. 

I personally prepared and submitted my disputes, citing my rights under the Fair Credit Reporting Act ( FCRA ) and referencing Metro 2 compliance standards. I requested a proper reinvestigation of the account and asked TransUnion to validate : A signed original lease or agreement, A full billing and payment history, A correct and verifiable Date of First Delinquency ( DOFD ) in compliance with FCRA 623 ( a ) ( 5 ), Evidence that the account is being reported accurately under Metro 2 formatting, And correction of the furnisher name, which is currently inaccurate. 

I requested validation including a signed agreement, billing history, DOFD, and Metro 2 compliance, but the account was marked verified without providing any supporting documents or evidence.

To date, TransUnion has failed to provide any documentation, failed to correct the inaccurate creditor name, and continues to report derogatory late payments on a closed, paid-in-full account. This is both misleading and damaging to my credit profile.

The continued reporting violates : FCRA 1681e ( b ) failure to ensure maximum possible accuracy, FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation, FCRA 623 ( a ) ( 5 ) no confirmed DOFD reported, Metro 2 standards inconsistent status/payment data and incorrect creditor name. 

This also constitutes an unfair and deceptive act under the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). These types of systemic inaccuracies were directly addressed in CFPB XXXX XXXX XXXX XXXX. XXXX. 

Relevant case law such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforces that credit bureaus must investigate thoroughly and can not rely solely on automated responses or incorrect furnisher 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 2025-05-27 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: IL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/2025 I made an internet wire money transfer from MY HSBC Bank amount $ XXXX XXXX to XXXX XXXX XXXXXXXX in XXXX, XXXX. I used XXXX XXXX XXXX. On XX/XX/2025 HSBC Bank XXXX mailed me the cancellation of my WIRE transfer and refund back to my HSBC account $ XXXX XXXX. I lost $ XXXX XXXX within 6 days. I called HSBC and they informed XXXX XXXX XXXX XXXXXXXX refused to accept my WIRE transfer. I called BANK XXXX XXXX. They infomed me. They never receive and WIRE transfered or any notice from HSBC Bank. I called HSBC bank back they sent me XXXX mail showed the transaction and I notice HSBC used XXXX XXXX XXXX which I have no idea or knowledge of. I asked HSBC Bank to do an investigate and they insisted XXXX XXXX XXXXXXXX refused my wire transfer with their own mistake. I asked HSBC to credit {$470.00}. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 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: OK

Complaint narrative:
XXXX XXXX shows a balance of {$2600.00} and that the account opened on XX/XX/year> and that its a open account placed in collections the amount and dates are incorrect and according to the law they have to remove it from my 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 2025-05-27 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: FL

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: IN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : US DEPT ED # XXXX * * - Date Opened XX/XX/XXXX Account Name : US DEPT ED # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian

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 2025-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company
State: TX

Complaint narrative:
I am disputing two collection accounts being reported by Credit Service Co on behalf of XXXX XXXX for unpaid XXXX  These debts were placed in collections in XXXX and have never been validated or verified under the Fair Debt Collection Practices Act ( FDCPA ). 

I have not made any payments on these accounts and was not provided original itemized billing, proof of ownership, or contractual obligation prior to reporting. This violates the FDCPA and FCRA reporting requirements. 

Additionally, under the CFPBs Final Rule issued XX/XX/XXXX, medical collections regardless of the amount are no longer permitted to appear on consumer credit reports. These accounts still appear on my credit reports as of XX/XX/XXXX, and are materially harming my credit standing. 

I formally requested their removal through XXXX XXXX XXXX XXXX using both dispute and validation language, and attached documentation supporting my request. Despite this, the accounts remain. 

I am requesting that the CFPB intervene to compel deletion of these medically related collection tradelines from all three credit bureaus per current regulatory guidance and consumer protection laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-27 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: UT

Complaint narrative:
I am writing to complain about Experian 's willful noncompliance to investigate disputed items. They are in violation of these. Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both Experian and XXXX have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 
1.

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report.

2.

Recent Legal Action and Non-Compliance : In light of the recent lawsuits where Experian and XXXX were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit 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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App Inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they non '' ky comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation