vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXRe: Request for Method of Verification under 15 U.S.C. 1681i(a)(7)\n\nAccount Name: XXXX XXXX XXXX XXXX XXXXAccount Number: XXXXReported Balance: XXXXDate Opened: XXXXTo Whom It May Concern,\n\n\n\nI am writing in reference to the above-listed account currently appearing on my consumer credit report. I previously disputed this account, and it has been marked as verified. Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i(a)(7), I am formally requesting a detailed description of the method of verification used to validate this account.\n\n\n\nPlease provide the following information:\n\n\n\nThe name, address, and telephone number of the person or entity that verified the information.\nA description of how the verification was conducted, including whether the verification was done via written documentation, electronic database, or verbal confirmation.\nThe specific documents relied upon to verify the accuracy, completeness, and legal authority of this account, including proof of:\nThe original creditor relationship\nChain of assignment or ownership\nLegal authority to collect\nAccurate balance calculation (as the balance exceeds the original amount)\n\n\n\n\n\nAdditionally, please note that the reported balance reflects an increase from the original balance of XXXX XXXX XXXX which raises concerns regarding accuracy and potential unauthorized fees or interest. If you are unable to provide proper documentation supporting this balance, the account must be deleted immediately in accordance with 15 U.S.C. 1681i(a)(5)(A).\n\n\n\nThis request is not a refusal to pay, but a lawful request for verification as provided by federal statute. Failure to respond within the required time frame, or failure to provide adequate verification, will constitute non-compliance with the FCRA.\n\n\n\nPlease provide your response in writing only.\n\n\n\nThank you for your prompt attention to this matter.\n\n\n\nSincerely,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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am demanding the immediate deletion of the XXXX XXXX XXXX XXXX collection account from my Equifax credit report. This account has already been deleted and removed from my XXXX  credit report after being disputed, and it was previously escalated to and disputed with the Consumer Financial Protection Bureau ( CFPB ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), Equifax is required to maintain maximum possible accuracy and to delete any information that can not be verified. Since this account has been removed by another credit reporting agency, continued reporting by Equifax indicates the information is inaccurate, unverifiable, and misleading. Failure to delete this account immediately will constitute continued non-compliance with federal law. I am requesting written confirmation once this deletion has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-22 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report ; they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-12-22 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: MI

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payments on my credit report. The late payment information being reported does not accurately reflect my true payment history and is therefore incorrect and misleading. 
AXXXX 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 Under XXXX U.S.C. XXXX ( XXXX XXXX Billing Act ), creditors are required to accurately credit payments and are prohibited from misreporting late payments. Reporting late payments that did not occur, or that were improperly applied, is a direct violation of this statute. 
Additionally, XXXX U.S.C. XXXX ( Gramm-Leach-Bliley Act ) prohibits the disclosure of false or misleading consumer financial information. Reporting inaccurate late payment data constitutes the unauthorized disclosure of false information about my account. 
Pursuant to XXXX U.S.C. XXXX ( i ) ( XXXX ) ( A ) ( Fair Credit Reporting Act ), consumer reports must contain only accurate and current information. Furthermore, XXXX U.S.C. XXXX requires furnishers of information to report accurately and to promptly correct any errors once they are notified. Despite my dispute, the inaccurate late payment information has not been properly corrected. 
Legal precedent further supports my position. In XXXX XXXX Trans Union, the court held that credit reporting agencies must conduct a reasonable investigation and verify disputed information rather than simply relying on the creditors reporting. Failure to do so results in continued dissemination of inaccurate information.

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 2025-12-22 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: MI

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payments on my credit report. The late payment information being reported does not accurately reflect my true payment history and is therefore incorrect and misleading. 
AXXXX 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 Under XXXX U.S.C. XXXX ( XXXX XXXX Billing Act ), creditors are required to accurately credit payments and are prohibited from misreporting late payments. Reporting late payments that did not occur, or that were improperly applied, is a direct violation of this statute. 
Additionally, XXXX U.S.C. XXXX ( Gramm-Leach-Bliley Act ) prohibits the disclosure of false or misleading consumer financial information. Reporting inaccurate late payment data constitutes the unauthorized disclosure of false information about my account. 
Pursuant to XXXX U.S.C. XXXX ( i ) ( XXXX ) ( A ) ( Fair Credit Reporting Act ), consumer reports must contain only accurate and current information. Furthermore, XXXX U.S.C. XXXX requires furnishers of information to report accurately and to promptly correct any errors once they are notified. Despite my dispute, the inaccurate late payment information has not been properly corrected. 
Legal precedent further supports my position. In XXXX XXXX Trans Union, the court held that credit reporting agencies must conduct a reasonable investigation and verify disputed information rather than simply relying on the creditors reporting. Failure to do so results in continued dissemination of inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a XXXX XXXX  consumer disputing inaccurate credit reporting by Experian Information Solutions. A XXXX XXXX account on my credit report is being reported simultaneously as CLOSED and as a COLLECTION with an active balance and ongoing monthly collection history. 

These account statuses can not legally coexist and result in inaccurate and misleading reporting. I submitted a formal dispute directly with Experian and provided supporting documentation showing the contradiction. Experian accepted the dispute and opened a reinvestigation. 

Despite this, the account continues to be reported with conflicting statuses, and no clear verification has been provided to explain how a closed account can continue to generate monthly collection activity. 

I am requesting that Experian be required to correct this tradeline to remove all collection reporting or delete it entirely if it can not be verified accurately, in compliance with the Fair Credit Reporting Act.

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 2025-12-22 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: TN

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Klover Holdings, Inc.
State: KY

Complaint narrative:
Klover Support, I am writing in response to your recent message stating that my account was reviewed and no error was found. That conclusion is incorrect and does not align with my bank records.

After checking and rechecking my bank statements, it is clear that I was charged twice for the same cash advance, while only one deposit was ever received. Specifically : A {$300.00} cash advance was deposited once.

Two separate withdrawals of approximately {$310.00} ( advance + fees ) were taken from my account.

There is no corresponding second deposit that justifies the additional {$310.00} withdrawal.

Your records appear to be misread or incomplete. My bank statement clearly shows that payment was taken twice, resulting in an overcharge of {$310.00}, which remains unresolved. 

I am requesting : 1. Immediate acknowledgment that the second withdrawal was taken in error 2. A refund of the {$310.00} overcharge 3. Written confirmation that this matter has been corrected Please review the actual transaction history, not just the scheduled repayment data, as the funds were in fact withdrawn twice. If this issue is not resolved promptly, I will continue pursuing resolution through appropriate consumer protection channels.

I am filing a second complaint based on the fact your finding was incorrect, the above is my response to that finding. Due to the complaint being closed, I am again providing a complaint and will continue to do so until u provide me with my hard earned money that you have in essence stolen from me, at the holidays to beat all. As given theft is illegal and can be taken to court on a civil matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
It was Saturday morning at XXXX XXXX. {$500.00} was sent over the cashapp app. I reported it to cashapp but they havent gotten back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-22 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: CA

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Failure to Comply With FCRA Identity Theft Requirements To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding identity theft and the improper handling of my documentation, disputes, and removal requests by TransUnion, a nationwide consumer reporting agency. Despite providing TransUnion with valid proof on XX/XX/year> of identity theft, including supporting documentation, TransUnion has continued to report fraudulent information that should have been removed.

When a consumer submits evidence confirming identity theft, such proof should not be questioned or disregarded. TransUnions refusal to acknowledge and act on my documentation has caused me unnecessary hardships, financial expenses, emotional distress, and ongoing difficulties in maintaining accurate credit information.

Under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) requiring consumer reporting agencies to block and remove all information that resulted from identity theft ; 15 U.S.C. 1681s-2 outlining the duties of furnishers to investigate and correct fraudulent or inaccurate information ; 15 U.S.C. 1681n providing civil liability for willful noncompliance with the FCRA ; 15 U.S.C. 1681o providing civil liability for negligent noncompliance ; it is my legal right to have all identity-theft-related information removed and blocked from my TransUnion credit report. Furthermore, I am legally entitled to seek compensation for damages resulting from TransUnions noncompliance with these federal protections.

I also want to emphasize that I have submitted several disputes to TransUnion requesting the removal and blocking these fraudulent items. Despite these multiple attempts, my disputes were denied, even though the documentation I submitted meets the statutory requirements for blocking under FCRA 605B.

TransUnions repeated failure to comply with its legal obligations has caused significant and ongoing harm, including financial loss, time expenditure, and disruption to my ability to access stable credit and financial opportunities. I respectfully request that the CFPB investigate TransUnions handling of my identity theft documentation and dispute filings, require the immediate removal and blocking of all fraudulent items, and address TransUnions violations of my rights under the FCRA.

Thank you for your attention to this matter. I have prepared and provided additional documentation necessary to support this complaint.

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 2025-12-22 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I submitted information interference to the removal of my raymour and flanigan account, do to payment being made before the charge off the three credit bureaus has not remove the account from my reportt.i have written them to inform them of the status I received from the CFPB the information has not been remove i have been disputing this incorrect information for over some time and nothing has been done l I would like for this situation to be investigated thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CT

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-22 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: CT

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-22 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation