vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 am disputing the following accounts with Experian. These accounts appear to contain inaccuracies that should be investigated and corrected to reflect accurate reporting. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Late Payment XXXX  Account Number : XXXX Inquiries XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : 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
Consumer complaint received 2025-11-12 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:
I sent TransUnion a certified letter on XX/XX/year>, requesting the Method of Verification under FCRA 1681i ( a ) ( 7 ) for an account reported by XXXX XXXX XXXX ( XXXX ). 

They responded by saying the account was verified electronically but did not identify who verified it, what documentation was used, or the procedure followed. 

This fails to meet the legal requirement of disclosing the verification method. XXXX also converted my written request into a dispute without consent and has not responded within the 30-day period required by law.

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 2025-11-12 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
I am disputing the following accounts reported by Experian as inaccurate and/or incomplete. I request an investigation to determine the accuracy of these accounts. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}

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 explanation
Consumer complaint received 2025-11-12 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: CT

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-12 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-12 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: LA

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating XXXX regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both XXXX and FCRA.

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 2025-11-12 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: TX

Complaint narrative:
I was contacted by someone on XXXX and not long after we started communicating. She started asking me to send her money! She has asked me to send her over thousands of dollars. I would say its about {$10000.00} of the last XXXX years. The most recent transaction is around {$1000.00} and it happened yesterday in XXXX different payments. I have contacted my bank to start the process of disputing the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am disputing the information reflected on my Experian credit report. The following accounts do not accurately reflect my credit history, and I request these entries be investigated. 

Charged-Off Accounts : XXXX. XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX, 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 explanation
Consumer complaint received 2025-11-12 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: PA

Complaint narrative:
Account closed for asking for assistance, a refund is not being added because my account was closed and card deactivated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CO

Complaint narrative:
I am writing to dispute the following accounts and inquiries reported on my credit report. These discrepancies are affecting my credit standing, and I request that they be investigated and corrected promptly. 

TransUnion ( TU ) CHARGED OFF XXXX XXXX, XXXX, XX/XX/year>, XXXX INQUIRIES No items to dispute. 

POSITIVE No items to dispute. 

LATE PAYMENT XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CT

Complaint narrative:
I am reporting Discover again for the same issue I previously filed with the CFPB. I had already informed them that I did not consent to the credit card or to any payments, and asked them to stop contacting me. Despite my initial complaint being received by the CFPB, Discover has continued to call me multiple times including from a number I previously blocked instead of responding through the CFPB as instructed. I believe this is an attempt to bypass the official complaint process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Deletion Unauthorized Access and Reporting of Credit Information Dear TransUnion, This letter serves as a formal dispute and demand for investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit file, I have identified one or more accounts and/or inquiries that were furnished or obtained without my written authorization. I have never granted written consent for these entities to access, obtain, or furnish my consumer information.

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes, and only when such access is authorized by the consumer in writing where required. The entities listed below ( or those otherwise indicated in your records ) have no permissible purpose to access or report my credit information. 

These actions constitute unauthorized use and dissemination of my personal and consumer data, in violation of the FCRA.

Accordingly, and pursuant to 15 U.S.C. 1681i, I am formally requesting that TransUnion : 1. Conduct an immediate reinvestigation into these unauthorized inquiries and/or accounts ; 2. Provide documentation of written consent or authorization for each listed entity ; 3. Delete or block any items for which you can not produce verifiable written authorization from me ; and 4. Provide written confirmation of the results of your reinvestigation, including any deletions made. 

If TransUnion can not verify that a valid permissible purpose existed, you are required under federal law to delete or block the disputed information from my credit file immediately. 

Please mail your findings and any supporting documentation to my address listed above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Deletion Unauthorized Access and Reporting of Credit Information Dear TransUnion, This letter serves as a formal dispute and demand for investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit file, I have identified one or more accounts and/or inquiries that were furnished or obtained without my written authorization. I have never granted written consent for these entities to access, obtain, or furnish my consumer information.

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes, and only when such access is authorized by the consumer in writing where required. The entities listed below ( or those otherwise indicated in your records ) have no permissible purpose to access or report my credit information. 

These actions constitute unauthorized use and dissemination of my personal and consumer data, in violation of the FCRA.

Accordingly, and pursuant to 15 U.S.C. 1681i, I am formally requesting that TransUnion : 1. Conduct an immediate reinvestigation into these unauthorized inquiries and/or accounts ; 2. Provide documentation of written consent or authorization for each listed entity ; 3. Delete or block any items for which you can not produce verifiable written authorization from me ; and 4. Provide written confirmation of the results of your reinvestigation, including any deletions made. 

If TransUnion can not verify that a valid permissible purpose existed, you are required under federal law to delete or block the disputed information from my credit file immediately. 

Please mail your findings and any supporting documentation to my address listed above. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-12 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: MI

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 explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am submitting a formal dispute concerning the accuracy of the following items reported on my credit file. These accounts are currently being inaccurately reported across the XXXX XXXX  credit bureaus ( XXXX, XXXX, and TransUnion ), and I request their immediate investigation and correction. Below are the accounts in dispute : XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$500.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$180.00} XXXX, XXXX, XX/XX/XXXX, {$250.00} XXXX XXXX XXXX, XX/XX/XXXX, {$31.00} XXXX, XXXX, XX/XX/XXXX, {$170.00} INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX LATE PAYMENTS XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 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: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial
State: TX

Complaint narrative:
Dispute : Illegal Retention of My Funds ( Overpayment after Early Purchase Option Payoff ). XXXX. Summary of Facts : I exercised the Early Purchase Option ( XXXX ) on Lease. My total debt owed was the Cash Price of {$1200.00}. Koalafi processed an unauthorized, automated payment after payoff, resulting in a verifiable {$250.00} overpayment they have refused to refund. XXXX. Financial Breakdown ( Koalafi Documents Attached ) : Total Debt Owed ( Lease Agreement ) : {$1200.00} Total Paid By Me ( Payment History ) : {$1500.00} Refund Due ( Verifiable Difference ) : {$250.00} XXXX. Chronology of Overpayment : XX/XX/year> : I submitted the final manual payoff ( {$450.00} ), resulting in a {$0.00} balance ( Source : Pay Off Receipt ). XX/XX/year> : Koalafi emailed me, confirming the lease was " closed and paid in full. '' XX/XX/year> : Despite the closed account, Koalafi illegally processed the next scheduled payment of {$120.00} ( Source : Bank Statement ). XXXX. Administrative Dispute and Non-Compliance : I engaged in a formal written dispute since XX/XX/XXXX, providing all documentation. Koalafi responded with XXXX separate, identical generic replies, refusing to acknowledge my dispute or my email-only instruction ( Source : Stalling Evidence PDF ). I warned them of this regulatory filing if the refund was not processed by the XX/XX/XXXX deadline. XXXX. Resolution Requested : I require the immediate issuance and processing of the full overpayment amount of {$250.00}.

Company response to consumer: Closed with explanation