vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I have XXXX accounts on my reports that are reporting inaccurate information. 
the first account is XXXX which is reporting the wrong balance, the wrong last active date and last payment date. 
the next account is XXXX XXXX. This account is on my report XXXX, and both have a different balance, last payment date and last active date. also, XXXX account says open and the other says closed. 
I have ask the TransUnion to verify the accuracy of my accounts multiple times.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I noticed an account with inaccurate information reporting to my consumer XXXX credit report. This account was opened XX/XX/year> this account is now closed with a inaccurate reporting balance of {$700.00}. According to ( FCRA ) law section 605B it is illegal to have anything reported on my credit report without my permission. Also according to law 15 USC 6802 no financial institution can share your non public information to a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX was closed due to several fraud cases and lawsuits. This should be taken in to consideration and should be removed from my credit report. The debit should be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: KS

Complaint narrative:
I have a professional financial wellbeing coach through " XXXX XXXX '' by the name of " XXXX XXXX ''. On XX/XX/year>, I worked with XXXX to get a formal letter stating my rights through the XXXX XXXX XXXX. The letter requested my preferred method of contact, via physical mail, and to be sent proof of debt verification. It also explicitly states " all collection activity must cease until you provide this information in writing. '' I mailed this through certified mail and received notification that " Capio Partners '' received the letter on XX/XX/year>. 

We were first contacted by " Capio Partners '' on XX/XX/year>, about a debt that I thought I had already paid. I have not since found receipts for paying said debt and absolutely plan to pay the settlement amount or full debt, WITH PROOF OF DEBT OWED. 
" Capio Partners '' has consistently been calling on the dates provided XXXX. As instructed by XXXX, I have not answered any calls as we wait for the proof of debt. There has been no such mail sent by " Capio Partners '' during the time they first contacted me or thereafter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I had {$7700.00} stolen from me through 17 fraudulent transactions. From XXXX XXXX  until XXXX XXXX. Someone hacked my XXXX account and used my card on file which was my Cash App card, and purchased 17 items using my cash app account. I disputed the charges immediately when I woke up around XXXX XXXX  and they denied my dispute. And told me to dispute them again. So I did and they denied my dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl, XXXX XXXX Dispute of Inaccurate Information Due to XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/ or pieces of information on my credit report that are incorrect and were not authorized by me. 
I request the immediate removal or correction of the following accounts and/or information from my credit report : 1.Caine Weiner-Accct # XXXX XXXX XXXXAcct # XXXX XXXX Acct # XXXX XXXXAcct # XXXX XXXX XXXX-Acct # XXXX XXXX XXXX-Acct # XXXX XXXXAcct # XXXX XXXXAcct # XXXX XXXXAcct # XXXX INQUIRY : XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXXAttached to this letter are relevant documents that support my claim, including evidence of my status as a victim of human trafficking and any other pertinent documentation. 
As a victim of XXXX XXXX, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. 
Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. 
Thank you for your understanding and cooperation in resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MN

Complaint narrative:
My Discover credit card account ending in XXXX was closed by the creditor, but I have continued making monthly payments including as recently as XX/XX/year>. Despite this, Discover has not reported any payment activity for XXXX. Instead, each month is marked simply as CLS ( closed ), without reflecting my efforts to pay down the balance. 

This incomplete reporting misrepresents my payment behavior and may be considered inaccurate under the Fair Credit Reporting Act ( FCRA ). Im asking that Discover update my credit report to show accurate monthly payment activity and reflect the current balance. This should be done with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
CFPB Complaint Statement XXXX XXXX XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX FTC Report Number : XXXX Date of Complaint : XX/XX/XXXX Subject : Formal Complaint Against Experian for Reporting Unauthorized Accounts Violations of FCRA, TILA, GLBA, and UDAAP I am submitting this formal complaint against Experian Information Services, LLC for failing to prevent, investigate, and remove multiple unauthorized accounts that were reported on my credit report without my express consent. These actions constitute serious violations of federal consumer protection laws including : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, 1681e ( b ), 1681i The Truth in Lending Act ( TILA ) 15 U.S.C. 1631 The Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 68016809 ; 16 C.F.R. 313 The Right to Financial Privacy Act ( RFPA ) 12 U.S.C. 3402 The Dodd-Frank Act 12 U.S.C. 5531 ( UDAAP provisions ) Despite my formal dispute and the submission of FTC Report XXXX. XXXX, Experian has not taken appropriate corrective action. These accounts are damaging my creditworthiness and causing emotional and financial harm. 

Disputed Accounts : XXXX XXXX | Account # XXXX XXXX XXXX  | Account # XXXXXXXX XXXX XXXX  | Account # XXXXXXXX XXXX XXXX  | Account # XXXX These accounts were not authorized by me, and I never initiated, signed for, or agreed to them. Experian failed to verify my identity or provide any original signed documentation proving that I applied for or opened these accounts, as required under 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) and 1681g ( a ) ( 2 ).

Requested Relief : I am requesting the immediate deletion of all four accounts from my Experian credit file and a written confirmation of said deletion. Additionally, I request the CFPB to investigate Experian for their failure to comply with their legal obligations, including their lack of reasonable procedures and inadequate reinvestigation process.

If Experian fails to comply, I am prepared to pursue additional legal remedies and escalate the matter to my state Attorney General and the Federal Trade Commission.

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 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Received two text messages for a bill that did not exist. Claim from the message is for a medical bill for a company I saw years ago but had received no bills in the mail or other communication attempts prior. I called the billing office for the company mentioned and they told me it is a false claim. My account shows XXXX balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MD

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  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX-XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I am submitting this complaint due to inaccurate, misleading, and non-compliant reporting of a charged-off account from XXXX XXXXXXXX XXXX ( Account XXXX XXXX XXXX ) by both Experian and Equifax. 

Details : Both bureaus report this account as charged-off, with conflicting payment histories and non-compliance with XXXX XXXX and Fair Credit Reporting Act ( FCRA ) standards : Experian reports a charge-off in XXXX and XX/XX/year>, but the balance is {$0.00}. This is misleading and may suggest the account was settled or sold, which requires the status to reflect XXXX XXXX or XXXX, not simply XXXX. 

Equifax reports the account as charged-off with no payment history or derogatory details visibleyet still retains the charge-off status and remarks. 

There is no clear Date of First Delinquency ( XXXX  ) shown on either report, in violation of FCRA 623 ( a ) ( XXXX ) and XXXX XXXX XXXX XXXX requirements. 

The payment history is incomplete, yet it includes severe derogatory codes ( XXXX ) without showing the required chronological record of delinquency or last payment date consistency. 

This account also appears to have been purchased or transferred, as noted by the comment purchased by another lender, which further requires accurate status update and removal of active charge-off indicators per XXXX XXXX XXXX. 

Laws Violated : FCRA 1681i Failure to conduct a reasonable reinvestigation of disputed information. 

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. 

FCRA 623 ( a ) ( XXXX ) Failure to report the correct Date of First Delinquency. 

XXXX XXXX XXXX Violations in XXXX XXXX and XXXX ( payment history and XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Shepherd Outsourcing, LLC
State: NE

Complaint narrative:
I contacted XXXX XXXX XXXX. It was like a debt collector number that was given to me through the text message. I found the number online. I did not click on what the text message had told me but when I called the number she already confirmed my address and my email address. She also had my phone number when she asked for payment. I said I do not have a card to pay with and I was in fact calling because it said it was a credit card debt. And she asked for payment again and I said no Im sorry. I will have to just call you back another time. That is when I started getting a few emails of things that I just did not do. I have contacted XXXX and sent them a phishing email that was sent to me so far my bank account has has not been bothered by this incident

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Goodwill Deletion Request Letter PAID Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Account # XXXX ( XXXX XXXX ) Closed / XXXX  Request for Goodwill Removal Dear Comenity Bank, I hope this message finds you well. I am writing to sincerely request a goodwill adjustment regarding the above-referenced account, which was charged off and closed with a balance of {$460.00}. I have since paid this account in full and appreciate the opportunity to have resolved the matter. 

At the time of delinquency, I was dealing with personal and financial challenges that impacted my ability to make timely payments. These issues have since been resolved, and I have taken major steps to rebuild my financial stability and credit health. 

I respectfully ask that you consider removing the charge-off notation from my credit report as a gesture of goodwill. This negative mark does not reflect my current financial behavior or responsibility, and its removal would greatly support my efforts to continue rebuilding my credit. 

Please know this request is not intended to dispute the accuracy of your reporting, but rather to ask for your compassionate consideration. Your assistance would mean a great deal to me. 

Thank you very much for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
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 XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} CAP XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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