vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX handling and denial of a fraud claim totaling approximately {$700.00}. 

My card was stolen and later recovered. On XX/XX/XXXX, I noticed unauthorized charges on my account and immediately reported the fraud to XXXX XXXX. I submitted a police report with a case number, explained the situation in detail, and answered all required questions for the investigation. 

XXXX XXXX denied the original dispute and later denied the first appeal. I then submitted a second appeal with all requested documentation and answers, and that too was denied. 

I am requesting a full explanation of these decisions, including clear dates of each denial, the investigation, and the appeal process. I also request that they reconsider the refund of the {$700.00} that was stolen from my account. 

This situation has caused significant financial hardship, and I am seeking CFPBs help in ensuring a fair and thorough review of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: AL

Complaint narrative:
I am submitting this complaint against all three major credit bureaus : Equifax, Experian, and TransUnion. 

My credit reports from these bureaus contain inaccurate and false information, including names and addresses that do not belong to me and have no connection to me. 

My full legal name is XXXX XXXX XXXX XXXX no other name is associated with me. 
My correct address is XXXX XXXX XXXX, XXXX, AL XXXX no other address should be listed or linked to my credit file. 

Multiple times, I have contacted each credit bureau and asked them to remove these inaccurate names and addresses. 

Equifax, Experian, and TransUnion 's ongoing failure to correct these inaccuracies is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. 

These false entries harm my credit profile and potentially impact my financial standing.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint against all three major credit bureaus : Equifax, Experian, and TransUnion. 

My credit reports from these bureaus contain inaccurate and false information, including names and addresses that do not belong to me and have no connection to me. 

My full legal name is XXXX XXXX XXXX XXXX no other name is associated with me. 
My correct address is XXXX XXXX XXXX, XXXX, AL XXXX no other address should be listed or linked to my credit file. 

Multiple times, I have contacted each credit bureau and asked them to remove these inaccurate names and addresses. 

Equifax, Experian, and TransUnion 's ongoing failure to correct these inaccuracies is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. 

These false entries harm my credit profile and potentially impact my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
CHECK CREDIT REPORT AND SAW WHERE SOUTHWEST CREDIT SYSTEM LISTED, THIS ACCOUNT IS NOT MINES. PLEASE REMOVED FROM CREDIT REPORT AS SOON AS POSSIBLE. THIS IS MY 3RD TIME REACHING OUT TO SOUTHWEST CREDIT AND CREDIT BUREAUS TO PROVIDE CONTRACT WHERE I SIGNED BUT STILL HAS NOT PROVIDED DOCUMENTATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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:
According to 15 U.S.C. 1681, I have the right to dispute any inaccurate or unverifiable information contained in my credit report. I have submitted multiple disputes with the credit bureaus, but the reports continue to show that the information has been updated and verified without a proper investigation. 

Furthermore, the company has failed to provide me with the documentation I requested, including verification of the debt. Despite my previous complaint, they have not sent me the original contract bearing my signature, nor an explanation of the amount owed or how it was calculated. 

I request that this matter be reviewed and that accurate, verifiable information be reflected on my credit report.

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 2025-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I had reached out to Accredited Collection Service Inc. After I had recieved notice that I was being sued for an old medical debt that I believed to have already been paid. I had requested for more information under the FAIR care act so I could confirm this debt through an itemized statement before the date that my trial was to be set. No one has reached back out to me to provide this information for this {$3900.00} cent debt. Only other items I have been mailed has been for a more recent debt and not for this one in particular. So they have failed to provide me with the correct information and I believe they will be attempting to falsely garnish my wages because of this.

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 2025-06-11 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 discovered that multiple accounts to my credit file that I do not recognize. I contacted them to request verification, but they failed to provide documentation showing that the debt is valid or that I authorized the account. I sent a written dispute to the company in XX/XX/year>, and followed up with Transunion. I have yet to receive a contract bearing my signature or an explanation of the amount owed. This inaccurate reporting has lowered my credit score, preventing me from obtaining affordable housing and credit opportunities.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/year>, I received a promotional offer from U.S. Bank for opening a new business checking and savings account, which included a {$500.00} bonus if I deposited and maintained {$5000.00} for 90 days. I visited a branch and was told that the employee who handles these accounts wasnt available, but they would have her call me. 

XXXX XXXX later called me and offered to open the accounts virtually. I expressed concern because the offer 's deadline was XX/XX/XXXX, and the date of our call was XX/XX/XXXX. XXXX assured me over the phone that she could fix it and that I would still qualify. I then sent her my business documentation, and she emailed me on XX/XX/XXXX confirming that the account was opened and ready to use. 

Following her instructions, I deposited {$5000.00} into my savings account and left it untouched for over six months. 

Despite meeting all the terms of the promotion, I never received the bonus. I called U.S. Bank twice the first time I was told it would take more time, and the second time I was told my account had been opened too late to qualify. I was advised to visit the branch and request an exception. 

At the branch, XXXX XXXX XXXX another banker XXXX said she would follow up with XXXX. After no response, I returned again on XX/XX/XXXX. At that time, the branch manager, XXXX XXXX, personally called XXXX and asked her to follow up with me. She then sent an email saying my request had been submitted but that approval was not guaranteed. 

I emailed and followed up multiple times but never received proper communication or resolution. I believe my account may have been opened past the deadline for the benefit of the employee who may have received credit for opening new accounts and that I was misled into thinking I would qualify. 

As a result, my {$5000.00} was tied up for half a year, and I still have not received the bonus. I am asking for a fair review of this situation and for U.S. Bank to honor the promotional offer that their employee assured me I would receive.

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 monetary relief
Consumer complaint received 2025-06-11 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:
I am formally disputing the late payment reported on my account, as it contradicts my documented history of timely payments. This inaccurate entry is unfairly affecting my credit report and must be removed following a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of 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 2025-06-11 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: GA

Complaint narrative:
Cash App ( Block , Inc. ) has held {$110.00} of my personal funds for over two years without providing any valid explanation, legal reason, or due process. I have contacted their customer service multiple times and received either automated responses or no resolution at all. The funds are simply unavailable, and I have no access or control over them despite being the rightful owner. 

There has been no notice of fraud, no court order, and no compliance-based reason for the prolonged restriction. The lack of transparency and continued denial of my funds has caused undue stress and financial harm. This appears to be a violation of the Electronic Funds Transfer Act and other consumer protection laws. I believe this is an unfair and deceptive business practice, and it needs immediate review by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-11 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: AL

Complaint narrative:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and/or incomplete information that remains on my credit report despite my good faith efforts to dispute and correct it. 

I submitted a written dispute to Experian, concerning the following inaccurate account ( XXXX ) : XXXX  XXXX XXXX - Acct # XXXX Nature of Dispute : Account status is discharged in bankruptcy. I have no bankruptcy listed nor have I filed bankruptcy. 

XXXX XXXX - Acct # XXXX Nature of Dispute : Account status is discharged in bankruptcy. I have no bankruptcy listed nor have I filed bankruptcy. 

XXXX XXXX Acct # XXXX Nature of Dispute : Account status is discharged in bankruptcy. I have no bankruptcy listed nor have I filed bankruptcy. 

XXXX XXXX XXXX XXXX - Acct # XXXX Nature of Dispute : Multiple inaccuracies, open date incorrect, original balance incorrect XXXX XXXX XXXX - Acct # XXXX Nature of Dispute : Account was paid to original creditor in full and is not a charge off. 

XXXX XXXX - Acct # XXXX, XXXX, XXXX, XXXX XXXX Nature of Dispute : These accounts are the result of a data breach and do not belong to me. 

Despite this, the disputed item ( s ) remain on my credit report, and I was not provided with a reasonable investigation or a written explanation as required by law.

This failure to investigate and respond properly is a violation of : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Duty of the credit reporting agency to conduct a reasonable reinvestigation within 30 days.

15 U.S. Code 1681s-2 ( b ) Furnishers of information are required to investigate and correct inaccuracies after being notified by a CRA.

15 U.S. Code 1681e ( b ) CRAs must maintain maximum possible accuracy of consumer information.

I request the CFPB to : Investigate this complaint.

Require the respondent ( s ) to provide a full explanation of how the investigation was conducted and justify why the disputed item remains.

Compel the correction or deletion of the inaccurate information if the investigation was not properly performed.

Monitor the respondent ( s ) for future FCRA compliance.

I respectfully request the CFPB 's assistance in ensuring compliance with federal law. I am available for any further information you may need to assist in your 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 explanation
Consumer complaint received 2025-06-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX regarding a fraudulent account or activity that was reported by the bank on XX/XX/XXXX. Despite my efforts to resolve the issue, an additional hard inquiry appeared on both my XXXX XXXX XXXX  credit reports on XX/XX/XXXX. I contacted the bank multiple times, but the inaccurate information remains on my 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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-11 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:
I am disputing multiple unauthorized accounts that have appeared on my credit file. I did not initiate these accounts and consider them to be fraudulent. As required by 15 U.S.C. 1681g, please remove these entries within 15 days. Attached are documents supporting my claim.

Company response to consumer: Closed with non-monetary relief