vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I recently discovered that my credit report has incorrect personal information, and because of this, an account that does not belong to me is showing up. I am a victim of identity theft, and my personal details were used without my permission. As a result, there is an account listed on my credit report that I have never been connected to. 

As instructed by TransUnion, I filed an FTC identity theft report and submitted it, but despite doing so, this fraudulent account is still being reported.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting inaccurate, incomplete, and unverifiable information. I disputed these issues on XX/XX/year> and Equifax failed to correct or validate anything I challenged. Equifax is reporting wrong name variations, wrong addresses, incorrect previous residences, and inaccurate employer information. I stated clearly that I do NOT authorize Equifax to report any personal identifiers that can not be proven accurate, yet the errors remain. 

Equifax failed to verify the disputed information and did not produce any documentation proving accuracy, violating FCRA 1681i. My report contains Metro 2 errors including missing fields ( M ), inconsistent fields ( I ), and unverified fields ( U ), violating Metro 2 compliance. 

Equifax is reporting the XXXX auto account with mismatched balances, inconsistent dates, missing required fields, and unverifiable status information. These details do not match XXXX XXXX XXXX and violate FCRA 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: TX

Complaint narrative:
When I wrote the company several letters to cease and desist regarding a collection, the process typically involved outlining the specific legal grounds for my request. I detailed how their collection practices violated relevant laws, such as the Fair Debt Collection Practices Act ( FDCPA ), emphasizing any harassment or misleading communications I experienced. 

In my letters, I clearly requested that they stop all collection activities related to the disputed debt, explaining the reasons behind my objection. I included evidence supporting my claims, such as previous correspondence, payment records, or any inaccuracies in their reporting to credit bureaus I also asked them to stop reporting to the bureaus. 

After sending the letters, I monitored their response. Ideally, They did not acknowledge receipt and confirm that they would cease further collection efforts. They failed to comply, I told them I would prepare to escalate the matter, potentially involving legal counsel or filing a complaint with the Consumer Financial Protection Bureau ( CFPB )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing a collection account that Caine & Weiner previously placed and that XXXX deleted after my earlier disputes. The account was connected to Progressive XXXX for {$260.00}. I mailed a debt validation request in XX/XX/year> and the account was removed from my XXXX credit report. XXXX also does not show this account anymore. 

As of today, I discovered that XXXX has reinserted the same Caine & Weiner collection account without mailing me the required FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice within five business days. I did not receive any letter, email, or notification before or after this reinsertion. 

The FCRA requires that if a deleted item is reinserted, the bureau must : 1. Obtain certification from the furnisher that the information is accurate, and 2. Notify the consumer in writing within five business days. 

Neither of these occurred. No new validation or certification was provided, and no notice was sent. The same account does not appear on XXXX, showing inconsistent and likely unauthorized reinsertion. 

This reinsertion negatively impacts my credit score during an active federal suitability review. 

I am requesting CFPB oversight and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 writing to dispute multiple items that appear on my credit report and are inaccurately reported. Below are the details of the accounts in dispute, which I believe are violating the Fair Credit Reporting Act ( FCRA ). I request that these items be thoroughly investigated and corrected as necessary. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX. XXXX. XXXX also had a problem with taking out my account at the for time 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because TransUnion failed to properly investigate my dispute submitted on XXXX XXXX XXXX, and continues to report false, unverified, incomplete, and nonMetro-2-compliant information, causing harm to my credit file.

My dispute letter informed TransUnion of the following errors : Incorrect Personal Identifiers TransUnion is reporting : Unauthorized Also Known As names Old or inaccurate addresses Incorrect previous addresses False employer information Incorrect date of birth Personal identifier errors inconsistent across bureaus Non-Verified or Non-Compliant Accounts Multiple accounts appear incorrect, inconsistent, or impossible to validate due to major discrepancies across the three bureaus, including : XXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ) XXXX XXXX These tradelines contain missing fields, inconsistent numbers, or differences between bureaus that violate Metro-2 reporting standards and raise questions about accuracy and ownership.

Failure to Conduct a Reasonable Investigation TransUnion appears to have relied on automated e-OSCAR responses and did not obtain physical validation. This violates 15 U.S.C. 1681i and case law requiring a reasonable independent investigation.

Violations and Harm TransUnion is reporting information that is : Not verified Not accurate Not complete Not consistent across bureaus Not timely Not reported in Metro-2 required format These errors materially harm my creditworthiness and violate FCRA, FDCPA, and federal reporting obligations.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the 3rd time that I make a large payment to my Capital One Savor Credit Card. My credit limit is {$1000.00} and every time that I make a large payment ( {$500.00} and above ) they hold my funds for 7 days. Capital One says that every time theres something unusual with my account they put this holds. 

What is unusual for someone that instead of paying minimums or shorter amount like {$100.00} or {$120.00} ( that by the way, those small payments release the available credit immediately ), pays larger amounts from his personal or business account that has the same name stated on their credit card????. 

Its not fair that after a payment from my personal account is cleared and the money is in Capital Ones hands, they still play with my money for 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Johnson Mark LLC
State: TX

Complaint narrative:
This is a new complaint related to my existing CFPB complaints : XXXX XXXX I am filing this additional complaint because XXXX XXXX XXXX, XXXX and their law firm, Johnson Mark LLC, have continued collection activity and misleading practices after my initial complaints and disputes. 

On XXXX XXXX XXXX, Johnson Mark LLC mailed me a verification packet in response to my disputes and existing CFPB complaints. The packet is inadequate under 15 U.S.C. 1692g ( b ). It included only : A generic bill of sale not tied to my account A monthly XXXX statement A XXXXgenerated internal summary page A cover letter The packet did not contain any of the documents required to verify the debt, including : A signed application or contract A full chain of title An itemized transaction history A sworn business records affidavit from XXXX A sworn business records affidavit from XXXX Today XXXX Johnson Mark LLC called me, referenced a file number, and stated that I should consider notice served. This is false and misleading. Under Texas Rule of Civil Procedure 501.2, a lawsuit can not be served by phone. This call misrepresented the legal status of the debt and appears to violate FDCPA 807 ( 2 ), 807 ( 3 ), 807 ( 10 ), and 809 ( b ).

A lawsuit was filed against me, but it remains unserved, inactive, and pending in XXXX XXXX XXXX ( Case XXXX ). I have filed an Answer and alerted the court to safety concerns after improper service attempts. 

Despite a fraud alert on my credit file, repeated disputes, and my first CFPB complaint, XXXX XXXX XXXX continues to report the account inaccurately. TransUnion now reports the account as CLOSED, while XXXX  continues to list it as OPEN, resulting in inconsistent and inaccurate reporting. 

I am requesting that the CFPB investigate the ongoing collection activity, misleading statements about service of process, inadequate verification, and continued inaccurate credit reporting by XXXX XXXX XXXX and Johnson Mark LLC.

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 2025-11-13 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:
I am also disputing inaccurate charged-off accounts that appear on my TransUnion report. 

Charged-Off Accounts in Dispute XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX ( XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX ( XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$320.00} XXXX XXXXXXXX XX/XX/XXXX {$5600.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} Reason for Dispute : These accounts appear to contain inaccurate balances and charge-off details. Some items are also duplicated between bureaus with different reporting data. I request verification of each entry or removal if TransUnion can not verify the accuracy of the information in full.

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 2025-11-13 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: MS

Complaint narrative:
On the morning of XX/XX/XXXX I was trying to add money to my Cash App balance. In the amount of XXXX dollars and they flagged it right away a fraud. And lock my account. I was just using the app in the intended way. Noting fraudulent was happening and yet they wont let me access my money what so ever. I also contacted there chat system and they were no help. I then called to speak to someone and they couldnt help either. All I asked was for them to let me get my funds off of that account while they do this investigation because I need the money to buy food and pay my bills and they had no way around this process they have and they have no sense of urgency for people who are starving and have no food and cant pay their bills because they are holding peoples hard earned money. I am a loyal customer to them and use them very often but after this I dont think I can trust that my money is safe with them. I need help getting access back to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-13 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-11-13 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-13 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:
I am filing this FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my TransUnion consumer FICO credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX XXXX account number XXXX with a balance of XXXX opened in XX/XX/XXXX and XXXX XXXX XXXX  account number XXXX with a balance of XXXX opened in XX/XX/XXXX. These accounts were opened without my knowledge or authorization and are the direct result of fraudulent activity not any legitimate consumer transaction. Their inclusion has resulted in inaccurate misleading and damaging information appearing on my TransUnion consumer FICO credit report. This serves as a formal complaint under the Fair Credit Reporting Act FCRA 605B 15 USC 1681c2 requesting that TransUnion immediately block and permanently remove the aforementioned fraudulent accounts including any related collections charge offs late payments and hard inquiries. Pursuant to my rights under the FCRA and the Fair Debt Collection Practices Act FDCPA I also demand that all collection activity related to these fraudulent accounts cease immediately. In support of this request I have included a valid FTC Fraud Report Criminal Complaint XXXX and supporting documentation evidencing that my personal data was compromised in the XXXX  data breach. I certify that the information provided in this affidavit is true and correct to the best of my knowledge and belief and respectfully request prompt removal of these fraudulent accounts from my TransUnion credit report and written confirmation upon completion of the investigation.

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 2025-11-13 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:
Dear Experian, I am writing to dispute the following information in my credit report. The details are as follows : CHARGED OFF Account Name : XXXX XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : {$2300.00} Additionally, I am disputing the inquiry from : INQUIRIES Account Name : XXXXXXXX XXXX XXXXXXXX Account Date : XXXX Moreover, I am requesting a review of the following account for potential late payment reporting : LATE PAYMENT Account Name : XXXXXXXX XXXX Account Number : 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The creditor is reporting a delinquency that is a result of a COVID-19 forbearance agreement and that I have sent a dispute to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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