vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/2021, Balance : {$00.00}

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 2025-06-23 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
The company is Cash App and I've experienced unauthorize withdrawals on the following dates : Saturday XXXX XX/XX/year> XXXX Play {$0.00} {$0.00} {$1.00} {$0.00} {$0.00} these are the ones that were actually paid out of my account. There are still dozens morre that were attempted but were declined because of lack of funds available. The disturbing thing is that items were paid out while the card was supposed to be locked. Please see the information on the other attempts that were declined. They are as follow : Transaction TikTok Cash App Card XXXX PM {$0.00} profile avatar XXXX Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX PM {$0.00} XXXX XXXX XXXX Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX PM {$0.00} profile avatar XXXX Play Cash App Card XXXX AM {$0.00} profile avatar XXXX Play Cash App Card XXXX AM {$0.00} XXXX XXXX XXXX Bank, XXXX XXXX XXXX you in advance for your consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
Please assist me in reviewing accounts from these companies that are wrongly reporting late payments. I have checked my credit report and noticed incorrect late payment marks on some accounts. THERE SHOULD BE NO LATE PAYMENT REMARKS on these accounts. I request that these remarks be removed and the accounts updated as positive, per the agreement.

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 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
I closed on my home in XX/XX/XXXX, unfortunately XXXX is the mortgage holder. My first payment wasn't due until XXXX ; however I wanted to be a month a head, so I made my first payment in XX/XX/XXXX. I break my payments up into XXXX payments always paid on time for the current month. About XXXX or 8 months ago XXXX starting putting my first payment of the month in a suspense account and charging me a late payment fee. I started getting collection calls, so when I spoke with the rep the first time, he ensured me that he had made the corrections to my account and that my payment would post correctly moving forward and reversed the late payment fee, he agreed that my payment had always been paid a month advance. When I received my XXXX bill it showed me owing double mortgage payments. on XX/XX/XXXX I called XXXX, after being on hold and transferred all over the place, XXXX hours later I spoke with XXXX ID XXXX, who again said that she would take care of the payments, first told me I couldn't break my payments up into XXXX payments and that was the program. I requested to speak with a supervisor who was suppose to call my back that same day after XXXX est. Today is XX/XX/XXXX and no one has called me back yet, except for the call I got today that sounds like it may have been a collection call. My interest rate is XXXX XXXX that is the ONLY reason I am still with this company. My escrow account has also been a wreck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-23 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
> I am submitting this complaint because Bank of America continues to report a charged-off credit card account ending in XXXX, but they have not provided legally required documentation to validate the debt, despite my formal request. 

In early XX/XX/year>, I sent a debt validation letter to the third-party collector XXXX XXXX XXXX XXXX They acknowledged the request but failed to provide any of the following : a signed credit agreement, an itemized balance, or a chain of custody of the debt. Therefore, under the FDCPA, this account remains unvalidated. 

Despite this, Bank of America has not reported any new activity to the credit bureaus, but the account has recently reappeared in my online banking profile. I am concerned that they may attempt to continue reporting, sell the debt, or pursue collection without having met the validation requirements.

I am requesting that the CFPB require Bank of America to : Provide full legal validation of the account ( contract, itemization, ownership ) ; or Remove the account from my credit reports due to failure to validate ; and Confirm whether a 1099-C was or will be issued, and under which tax identifier ( SSN or ITIN ).

I am exercising my rights under the FDCPA and the FCRA and would appreciate the CFPBs assistance in resolving this matter.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I reviewed myXX/XX/XXXX credit report dated XX/XX/year> ( Confirmation # XXXX ), and found multiple inaccurate or unverifiable entries that remain unresolved despite formal disputes : 1. A * * fraud alert * * was added to my file around * * XX/XX/year> * *, without my request or consent. I did not file this alert, and XX/XX/XXXXhas failed to provide documentation showing who submitted it or from what source. I asked for XXXX logs, request documentation, and verification of identity used. None were provided. 

XXXX. \ * * XXXXXX/XX/XXXX ( Account Ending in * XXXX ) * * is listed as both a * * charge-off * * and * * included in bankruptcy * *, which is contradictory and misleading. This account was * * never included in any confirmed bankruptcy filing * *, and I requested docket entries or inclusion letters to verify. Equifax failed to provide them. 

XXXX. \ * * XXXX XXXX ( Account Ending in * XXXX ) * * is also marked as a charge-off and included in bankruptcy. This is false. This was a * * voluntary surrender * *, not a default, and the account was not part of any bankruptcy. I requested repossession notices and charge-off documentation, but none was provided. i submitted this several times and prestige even admits there misatke. this needs to be deleted from my credit report entirely XXXX. \ * * XX/XX/XXXX( Account Ending in * XXXX ) * * is also listed as included in bankruptcy. However, the balance was reportedly resolved through insurance, and no charge-off or derogatory balance should remain. The report shows continued derogatory updates through * * XX/XX/year> * *, which violates FCRA accuracy standards. I asked for payment records, court schedules, and insurance offset documentation. No evidence was provided. 

XXXX. \ * XX/XX/XXXXXXXX ( * XXXX ) * * and \ * * XX/XX/XXXX * XXXX ) * * are also in dispute due to inconsistent dates, account statuses, and possible duplicate or misclassified reporting. Equifax has not verified these entries with original documentation. 

I submitted a formal dispute and requested verification under FCRA 1681g and 1681i. Equifax did not respond with sufficient documentation and has failed to correct or delete the inaccurate information. Im asking CFPB to intervene and ensure these items are either fully verified with original-source documents or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I reviewed my XXXX  credit report dated XX/XX/year> ( Confirmation # XXXX ), and found multiple inaccurate or unverifiable entries that remain unresolved despite formal disputes : XXXX. A * * fraud alert * * was added to my file around * * XX/XX/year> * *, without my request or consent. I did not file this alert, and Equifax has failed to provide documentation showing who submitted it or from what source. I asked for XXXX logs, request documentation, and verification of identity used. None were provided. 

XXXX. \ * * XXXXXXXX XXXX ( Account Ending in * XXXX ) * * is listed as both a * * charge-off * * and * * included in bankruptcy * *, which is contradictory and misleading. This account was * * never included in any confirmed bankruptcy filing * *, and I requested docket entries or inclusion letters to verify. Equifax failed to provide them. 

XXXX. \ * * XXXX XXXX ( Account Ending in * XXXX ) * * is also marked as a charge-off and included in bankruptcy. This is false. This was a * * voluntary surrender * *, not a default, and the account was not part of any bankruptcy. I requested repossession notices and charge-off documentation, but none was provided. i submitted this several times and prestige even admits there misatke. this needs to be deleted from my credit report entirely XXXX. \ * * XXXX XXXX ( Account Ending in * XXXX ) * * is also listed as included in bankruptcy. However, the balance was reportedly resolved through insurance, and no charge-off or derogatory balance should remain. The report shows continued derogatory updates through * * XX/XX/year> * *, which violates FCRA accuracy standards. I asked for payment records, court schedules, and insurance offset documentation. No evidence was provided. 

XXXX. \ * XXXX XXXX XXXXXXXX ( * XXXX ) * * and \ * * XXXX XXXX ( * XXXX ) * * are also in dispute due to inconsistent dates, account statuses, and possible duplicate or misclassified reportingXXXX XXXX has not verified these entries with original documentation.

I submitted a formal dispute and requested verification under FCRA 1681g and 1681i. Equifax did not respond with sufficient documentation and has failed to correct or delete the inaccurate information. Im asking CFPB to intervene and ensure these items are either fully verified with original-source documents or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX. XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXnquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-23 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: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1400.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1000.00}

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 2025-06-23 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AR

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 2025-06-23 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX Account Number XXXX Balance : {$55.00} Open Date XX/XX/XXXXXXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Balance : {$900.00} Open Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief