vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-04 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: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-04 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: NC

Complaint narrative:
I HAVE BEEN ON THE PHONE FOR THE LAST TWO DAYS WITH A SUPERVISOR IN THE MIXED DEPARTMENT AND THEY SAID THEY CANT READ MY DRIVERS LICENSE BUT THE FRAUD DEPARTMENT COULD AND THE SPECIAL HANDLING DEPARTMENT COULD NOT, SO THEN I GO TO UPLOAD THE DOCUMENTS AGAIN TO EXPERIAN UNLOAD AND THEN IT SAYS THE SYSTEM I LOST MY RIGHTS TO UPLOAD ANY DOCUMENTS, NOW THATS NOT RIGHT, I WAS DOING WHAT THE SUPERVISOR TOLD ME TO DO IS UPLOAD A NEW DOCUMENTS OF MY DRIVER LICENSE. SO NOW IM SENDING IT THROUGH THE CFPB

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 2025-09-04 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
I opened a account with square XX/XX/year> I was sent an email to verify my identity which I did 2 minutes later I received another email said my account was deactivated permanently and my phones would be held for 60 days I received another email 2 minutes later that stated my money would be held 90 days XXXX the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Inconsistent Reporting of Joint Auto Loan ( XXXX XXXX, Acct # XXXX ) To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the tradeline for XXXX XXXX XXXX ( Acct # XXXX ). 

Upon review, this account is reporting materially inconsistent and conflicting information between the two joint account holders : My Equifax report ( dated XX/XX/year>XXXX  ) shows a balance of {$11000.00}, with recent payments in XXXX and XX/XX/year>. 

The co-borrowers Equifax report ( dated XX/XX/year>XXXX  ) shows a balance of {$12000.00}, with no payments reflected since XX/XX/year>. 

One report reflects 90 days past due, while the other shows 120 days past due for the same time periods. 

The 24-month payment histories show different past due amounts and different last payment dates, which can not simultaneously be accurate.

This constitutes a violation of : FCRA 1681e ( b ) : duty to maintain maximum possible accuracy of information.

FCRA 1681i ( a ) ( 1 ) : duty to conduct a reasonable reinvestigation once disputed.

These conflicting entries are misleading and materially damaging to my creditworthiness. 

Demand : Unless Equifax can provide full documentary evidence reconciling these discrepancies with proof from the furnisher, this account must be deleted from my credit file immediately. Continued reporting in this inconsistent manner will constitute willful noncompliance and subject Equifax to statutory damages under FCRA 616617 of up to {$1000.00} per violation, plus actual damages and attorneys fees.

Please provide the method of verification used, along with the name and contact information of any party you verified this account with, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Sincerely, 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 2025-09-04 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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  Balance : {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-04 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:
ursuant to 15 U.S.C. 1681e ( b ), 1681i, 1681g, 1681c-1, complete a reasonable reinvestigation and provide MOV and furnisher details. 
XXXX ) XXXX XXXX XXXX Loan ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Experian shows Closed / Charge-Off, with remarks Merchandise was taken back and Unpaid balance reported as a loss, while XXXX reports Open/CO and Paid profit & loss . These are mutually inconsistent and not fully verifiable across CRAs ( 1681e ( b ) ). 
Demand : Delete for unverifiability/inconsistency ; alternatively, correct to a consistent, fully documented status with accurate DOFD and status codes. 
2 ) XXXX XXXX  Collection for US Cellular ( Acct # : XXXXXXXX XXXX XXXX ) {$150.00} Experian shows Closed / Collection/Chargeoff but provides no itemization, contract, assignment chain, or DOFD. This is incomplete and may misstate current collectibility. 
Demand : Delete unless you can produce itemized validation from the furnisher adequate to establish accuracy and completeness ( 1681e ( b ) ; 1681i ).

3 ) Personal Identifiers Incorrect AKAs/Addresses Experian lists XXXX XXXX and XXXX XXXX ( misspelled ). Also, ensure correct address formatting ( ZIP shown as XXXX appears malformed ). 
Demand : Remove incorrect AKAs and fix any address formatting errors ; retain only : XXXX XXXX XXXX, current address above. ( 1681e ( b ) ) 4 ) Hard Inquiry Not Tied to an Open/Positive Account XXXX XXXXXX/XX/year> ( Experian ). There is no open account relationship arising from this inquiry. Under 1681b, furnish the signed authorization or specific permissible purpose documentation ; otherwise delete.

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 2025-09-04 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX, XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Inconsistent Reporting of Joint Auto Loan ( XXXX XXXX, Acct # XXXX ) To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the tradeline for XXXX XXXX XXXX ( Acct # XXXX ). 

Upon review, this account is reporting materially inconsistent and conflicting information between the two joint account holders : My Equifax report ( dated XX/XX/year>XXXX  ) shows a balance of {$11000.00}, with recent payments in XXXX and XX/XX/year>. 

The co-borrowers Equifax report ( dated XX/XX/year>XXXX  ) shows a balance of {$12000.00}, with no payments reflected since XX/XX/year>. 

One report reflects 90 days past due, while the other shows 120 days past due for the same time periods. 

The 24-month payment histories show different past due amounts and different last payment dates, which can not simultaneously be accurate.

This constitutes a violation of : FCRA 1681e ( b ) : duty to maintain maximum possible accuracy of information.

FCRA 1681i ( a ) ( 1 ) : duty to conduct a reasonable reinvestigation once disputed.

These conflicting entries are misleading and materially damaging to my creditworthiness. 

Demand : Unless Equifax can provide full documentary evidence reconciling these discrepancies with proof from the furnisher, this account must be deleted from my credit file immediately. Continued reporting in this inconsistent manner will constitute willful noncompliance and subject Equifax to statutory damages under FCRA 616617 of up to {$1000.00} per violation, plus actual damages and attorneys fees.

Please provide the method of verification used, along with the name and contact information of any party you verified this account with, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I had a Installment loan from a XXXX XXXX named XXXX XXXX  in XXXX California using ACIMA as the MAIN CREDITOR from XX/XX/XXXX. Now there is a Company Contacting me about that Loan from ACIMA this so called " Company '' named XXXX called my family members on XX/XX/XXXXXXXX  looking for me, saying they will visit my workplace and house of residents if I don't Call back and they also stated they will take me to COURT at XXXX XXXX, I called them XX/XX/XXXX to find out what this was, The Person I was talking to named XXXX said they were about to take me to court if I don't Pay. XXXX has been really aggressive, they also had charge my card EVEN THOUGH, the recording for the agreement was not done, as well as I did NOT even SPEAK when XXXX told me he was recording, I just hung up, next thing you know I check my bank and there is a charge of {$200.00} from XXXX which he said that was where it was going to come from. I called back to request for a HARD COPY OF THE AGREEMENT, the lady I spoke to said NO, I also asked if this was a collections agency they said NO, it is LEGAL PROCEEDINGS. Upon Checking my Acima, my debt wasnt even sold to XXXX it was sold to XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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