vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: RI

Complaint narrative:
XXXX XXXX, a Division of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate Late Payment Reporting Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Type : FHA Mortgage * Opened : XX/XX/XXXX * Current Balance : {$100000.00} * Monthly Payment : {$1000.00} According to my XXXX  credit report dated XX/XX/XXXX, a late payment was reported in XX/XX/XXXX. This entry is incorrect and requires immediate removal for the following reasons : XXXX. Automatic Payments Were Active. I had established automatic payments well before the alleged delinquency, ensuring my account was paid consistently and on time. It would be illogical for a late payment to occur under these circumstances unless due to a processing error within your system. 

XXXX. XXXX XXXX Military Departure. During XX/XX/XXXX, I was away on XXXX XXXX under the XXXX XXXX. I have enclosed my official Letter of Departure Orders as proof. The XXXX provides specific protections for servicemembers to prevent adverse credit reporting due to XXXX circumstances. 

XXXX. Error in System. If I was serving my country abroad and had auto-pay in place, a late payment could only result from an internal system error, not from negligence on my part. 

Because of this mistake, my credit profile has been unfairly damaged. This error has serious consequences on my financial standing, and as such, I demand : * Immediate removal of the XX/XX/XXXX late payment entry from my XXXX XXXX  account history. 

* Written confirmation of corrected reporting sent to XXXX, XXXX, and TransUnion. 

* A full written explanation of how this error occurred and the safeguards XXXX XXXX  will take to prevent recurrence.

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 2025-09-23 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
Despite my written dispute, the furnisher has failed to provide any legally sufficient validation of the debt as required under 15 U.S.C. 1692g ( b ). Moreover, the credit bureaus have continued to report this account without conducting a reasonable investigation, in direct violation of 15 U.S.C. 1681s-2 ( b ). This is not only negligent, it is willful misconduct. 
I demand that the CFPB compel the immediate deletion of this account from all consumer reporting agencies. The continued presence of this account is causing irreparable harm to my creditworthiness, employment prospects, and financial stability. 
Furthermore, I remind the CFPB that Equifax has a documented history of gross negligence in handling consumer data, as evidenced by the XXXX  data breach that compromised the personal information of over XXXX XXXX Americans. Given this precedent, I have XXXX tolerance for further mishandling or misreporting of my 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 explanation
Consumer complaint received 2025-09-23 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
I traded in XXXX cars and purchased XXXX cars in XXXX. XXXX XXXX was the last company to report that my loan was paid off. However, they reported that my loan was paid less than full amount which isn't true. The company that I purchased the new car from sent XXXX XXXX a check that was actually XXXX cents OVER what I owed. I contacted XXXX XXXX to get this corrected because my score dropped XXXX points. This has been a XXXX  month long frustrating process. I got a call from someone at XXXX XXXX who sent me the paid in full letter but they never corrected the incorrect information. I need them to ASAP because my credit score has been majorly affected and it is creating issues for me financially.

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 2025-09-23 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-23 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: TX

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-09-23 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: PA

Complaint narrative:
On XX/XX/XXXX I received a payment of {$400.00} to my cash app. I tried to withdraw the money and the app said that there was suspicious activity on my account and it had been suspended. I contacted cash app and they stated that a XXXX XXXX XXXX XXXX  I had done business with put a freeze on my account. Its been like that ever since. I contacted cash app again on XXXX  XX/XX/XXXX and told them that I wanted my money sent to the debit card thats saved in my account via instant transfer and the account closed. They refused to do either of those things and have stopped responding to me. I have {$400.00} that I could really use and its been held up in an account for XXXX  years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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.

Complaint narrative:
I am currently dealing with a very difficult situation as a victim of identity theft. This account was created without my permission or awareness. This fraudulent activity is causing me serious stress and interfering with my everyday life. 

The account is XXXX - XXXX XXXX - opened in XX/XX/XXXX. 

As part of this fraud I found the following inquiries XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last XXXX ) : XXXX DOB XXXX XXXXXX/XX/XXXX Date XXXX XXXXXX/XX/XXXX To : Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Notice of Consumer Reporting Violations Demand for Deletion Dear Credit Bureau, I am disputing the accounts listed below as inaccurate, unverifiable, and unlawfully reported. This is a direct demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, 1681e ( b ) ). 

The following accounts must be deleted unless you can provide competent evidence, not automated responses, that substantiates each entry : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX tradelines reporting as XXXX days late. I dispute all late notations. Provide original contracts with my wet-ink signature, lawful authorization, and a complete chain of title. 
XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX ) Reported as charge-off. No contract, promissory note, or accounting ledger has ever been provided. Reporting without such proof is a violation of the FCRA. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Showing multiple late payments. Disputed as inaccurate and unverifiable. Produce the original agreement and all payment records or delete. 
XXXX. Collection Account ( {$700.00} on Experian ) This account is disputed in its entirety. Provide the original signed agreement and evidence of lawful assignment ; otherwise, it must be removed. 

Legal Demands You must conduct a reasonable investigation as required by FCRA 1681i ( a ). Automated e-Oscar responses do not satisfy federal law. 
If the furnisher can not produce admissible, physical proof with my signature, the account is unverifiable and must be deleted immediately. 
Any continued reporting of unverifiable information will be treated as willful noncompliance, subject to civil liability under FCRA 1681n and 1681o. 

I demand written results of your investigation and confirmation of deletion within XXXX  days of receiving this notice. Failure to comply will result in formal complaints filed with the CFPB, FTC, and XXXX XXXX  XXXX XXXX, as well as consideration of legal action for damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing the following accounts and request immediate correction or deletion : XXXX XXXX XXXXXXXX XXXX Account # XXXX Balance : {$2400.00} Date Opened : XX/XX/year> This account is closed but is inaccurately being reported with an outstanding balance/open status. Please update this account to show it is closed with a {$0.00} balance, or remove it entirely if it can not be verified. 
Navy Federal Credit Union Account # XXXX Date Opened : XX/XX/year> This account is inaccurately reporting late or missed payments. I have never missed a payment. Please correct this reporting to reflect accurate on-time payment history. 
Please reinvestigate these accounts and provide me with an updated credit report reflecting accurate information. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: VA

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, CHALLENGED OR NOT.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-23 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online Information Services has reported a collection account to my XXXX credit report stating that I owe {$600.00}. Online Information Services has no legal right to attempt to collect a debt. There is no debt owed. Online Information Services has not validated any alleged debt nor sent me a notice of collection. Online Information Services placed a derogatory file on my credit report which is a violation of the FCRA & the FDCPA. With that said I am in request of ALL contractual documents stating and proving that I am legally responsible for this account and that I agreed to and legally authorized with signature the alleged debt that XXXX  is attempting to collect. 
Account : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: NY

Complaint narrative:
I regularly monitor my credit report because maintaining my credit score is very important to me. However, I continue to see inaccurate and false information being reported. This issue has been recurring for some time and, despite raising it multiple times, it has yet to be corrected. The continued presence of these errors is extremely stressful, exhausting, and unfairly damaging to both my life and my credit standing.

Company response to consumer: Closed with non-monetary relief