vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted Transunion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-07-22 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I woke up this morning XX/XX/year> to alerts that Wakefield and associates is a medical debt which has been reported to my credit reports I have disputed it on XXXX but I can not get to it on XXXX I am trying to close on a house and that account is a complete violation of the no surprise act it needs to be deleted immediately my privacy is protected under XXXX laws. I have not received any word that it has been reported to XXXX yet but this entire account needs to be removed and not re-reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am filing this complaint regarding an inaccurate XXXX  XXXX XXXX account that is being reported on all three major credit bureaus : Experian, TransUnion, and Equifax. 

The account shows a balance of {$0.00} and is marked Paid in full for less than full balance, and Closed at credit grantors request. However, the account history also contains several reporting errors, including multiple entries marked Invalid Date under payment history, which is clearly inaccurate. 

I initially noticed the issue in XX/XX/year> and filed a dispute through the credit bureaus. In response, the account status was marked as Updated, but the inaccurate information including the invalid date entries and misleading closure language was never corrected. 

I followed up again in XX/XX/year> and still received no resolution or explanation. I have retained screenshots of the current credit report showing these reporting issues, which I have uploaded as part of this complaint. 

Under the Fair Credit Reporting Act ( FCRA ), information must be accurate, complete, and verifiable. The current state of this account violates those standards. Since the data continues to be reported inaccurately despite two good-faith disputes, I am now requesting the following : That this XXXX XXXX XXXXXXXX account be permanently deleted from Experian, TransUnion, and Equifax That I receive written confirmation of the deletion, or a detailed explanation of the outcome of any investigation Thank you for your attention to this matter. I am happy to cooperate further if additional documents or clarification are needed.

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 2025-07-22 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: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate XXXX  XXXX XXXX account that is being reported on all three major credit bureaus : Experian, TransUnion, and Equifax. 

The account shows a balance of {$0.00} and is marked Paid in full for less than full balance, and Closed at credit grantors request. However, the account history also contains several reporting errors, including multiple entries marked Invalid Date under payment history, which is clearly inaccurate. 

I initially noticed the issue in XX/XX/year> and filed a dispute through the credit bureaus. In response, the account status was marked as Updated, but the inaccurate information including the invalid date entries and misleading closure language was never corrected. 

I followed up again in XX/XX/year> and still received no resolution or explanation. I have retained screenshots of the current credit report showing these reporting issues, which I have uploaded as part of this complaint. 

Under the Fair Credit Reporting Act ( FCRA ), information must be accurate, complete, and verifiable. The current state of this account violates those standards. Since the data continues to be reported inaccurately despite two good-faith disputes, I am now requesting the following : That this XXXX XXXX XXXXXXXX account be permanently deleted from Experian, TransUnion, and Equifax That I receive written confirmation of the deletion, or a detailed explanation of the outcome of any investigation Thank you for your attention to this matter. I am happy to cooperate further if additional documents or clarification are needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account 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 non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint to dispute multiple negative credit items that remain on my credit reports despite being inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ). These items are impacting my ability to access affordable credit. 

Key Issues : XXXX XXXX ( 2 accounts ) : These accounts were charged off and reported with inconsistent data across bureaus. One account reports 20 months of negative history, the other 17, with varying balances and statuses. I previously disputed them and the furnisher failed to provide proper verification. 
XXXX XXXX : This account was charged off, but the payment history across the three major bureaus is inconsistent and unverifiable. One report shows 18 late payments, another omits payment history entirely. No documentation was provided in response to my dispute. 
XXXX XXXX  XXXX XXXX ( XXXX / XXXX ) : Account shows late payments that are not supported by complete records or contract history. The account was closed by the grantor and should not reflect ongoing derogatory marks. 
XXXX XXXX XXXX  : This active account is reporting a late payment despite timely payments reflected in my banking history. My written disputes were either ignored or dismissed without evidence from the furnisher. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with current FICO models and updated reporting practices regarding paid collections. 
Actions Taken : On or around XX/XX/XXXX, I submitted formal written disputes to Experian, Equifax, and TransUnion. 
I requested removal of the accounts that could not be verified with original documentation ( per FCRA 611 ). 
I received generic responses stating investigation complete with no supporting documentation or correction. 
These accounts continue to harm my credit standing despite my efforts to resolve them through the proper channels. I am requesting the CFPBs assistance in compelling the credit bureaus and data furnishers to conduct a lawful reinvestigation and permanently delete the disputed accounts unless verified with documentation.

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 2025-07-22 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/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 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I called Sequium XXXX XXXX and I told them I am in XXXX current standing with XXXX. They then offered to do a formal dispute which can also remove my XXXX  balance on record for {$370.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-22 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA UNATHORIZED TRANSCATION Claim # XXXX Claim # XXXX I AM FILING THIS COMPLAINT REGARDING BANK OF AMERICAS MISHANDLING OF XXXX FRAUD CLAIMS I SUBMITTED FOR UNAUTHORIZED TRANSACTIONS AT THE SAME SUSPICIOUS GAS STATION ATM. CLAIM # XXXX ( UNDER {$100.00} ) WAS APPROVED, WHILE CLAIM # XXXX ( OVER {$200.00} ) WAS DENIED, DESPITE BOTH INVOLVING THE SAME MERCHANT AND PATTERN OF ACTIVITY. I SUBMITTED MY WORK TIME SHEET PROVING I WAS AT A JOB SITE OVER XXXX MILES AWAY DURING THE TRANSACTIONS, BUT THE BANK IGNORED THIS EVIDENCE AND REFUSED TO PROVIDE A FULL LIST OF TIME STAMPS FOR CLAIM # XXXX GIVING ONE. I CONTACTED THE FRAUD DEPARTMENT OVER A DOZEN TIMES BUT WAS REPEATEDLY TOLD THE INVESTIGATION TEAM WAS UNREACHABLE. NO ONE EVER CONTACTED ME FOR FURTHER INFORMATION. EACH DENIAL LACKED A CLEAR REASON, AND WHEN I ASKED FOR DOCUMENTATION EXPLAINING THEIR DECISION, NONE WAS PROVIDED. MEANWHILE, I WAS ONLY ASKED IRRELEVANT QUESTIONS LIKE WHETHER I HAD WRITTEN DOWN MY PIN. THIS LACK OF TRANSPARENCY AND INCONSISTENT TREATMENTACCEPTING XXXX CLAIM WHILE DENYING ANOTHER WITH IDENTICAL CIRCUMSTANCESREFLECTS A FAILURE IN PROPER FRAUD INVESTIGATION PROCEDURES AND HAS LEFT ME WITH FINANCIAL LOSS AND NO ACCOUNTABILITY FROM THE BANK.

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 2025-07-22 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear CFPB Officer, I am writing to dispute inaccurate, unverifiable, and outdated information reported by both XXXX and XXXX XXXX XXXXXXXX that currently appears on my credit report. This includes : Late payments that I have reason to believe are the result of fraudulent reporting or data compromise ( from the most recent Experian Data Breach ). 
Inaccurate and outdated addresses linked to my profile. 
Following the recent widely reported data breaches affecting major data aggregators such as XXXX, XXXX, and XXXX, I have reason to believe my personal identifying information may have been exposed, resulting in mixed or inaccurate file reporting. 

Specific Violations Cited Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Furnishers and CRAs are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The presence of these unverified addresses and questionable late payments clearly violates this provision. 
15 U.S.C. 1681i I am exercising my right to dispute any information I believe to be inaccurate or incomplete. I demand a reinvestigation into the accuracy of these accounts, including address history and payment records. 
15 U.S.C. 1681b ( a ) ( 2 ) My personal information may have been accessed without permissible purpose during or as a result of the breach, leading to potential identity mix-ups. 
15 U.S.C. 1681s-2 ( a ) Information furnishers like XXXX and XXXX XXXX XXXX have an ongoing duty to report accurate and current information. If they are reporting data that can not be verified or is no longer current due to a data compromise, they are in violation of their duties under this statute. 

These are the FCRA codes involved in this case : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information 15 U.S.C. 1681e ( b ) Reasonable Procedures to Ensure Maximum Possible Accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Subject : Urgent Missing Direct Deposit from Closed Cash App Account Hello, I am requesting a formal investigation into a direct deposit that was sent to my deactivated Cash App account. The deposit was made on XX/XX/year>, and I was locked out of the account within 24 before the deposit. When I try to log in, I receive a message stating the account doesnt exist. I did not receive the funds or authorize any transfers. Ive called multiple times via my own phone and my work phone. 
My employer that sent the check informed me to find out why they havent returned the funds to them. I tried logging back in to the account initially and it couldnt due to me not having access to my phone number that was used for that said cashapp acct. 

Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Approx. Amount : {$780.00} Email/Phone on Account : [ XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] I need to know : 1. What happened to the deposit 2. If the funds are still in the account 3. How to recover them or have them returned Please escalate this to your Disputes Team or Security Department. Im aware of the 60-day dispute window but Ive tried multiple times to get more information and I have not. 

Thank you, [ XXXX XXXX XXXX ] [ Your Current Contact Info ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation