vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
TransUnion is currently reporting false and highly misleading employment information on my credit file, specifically listing XXXX XXXXXXXX XXXX as my employer. I have never been employed by, contracted with, or had any professional relationship with this entity. The inclusion of this inaccurate employer data on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy in the information they maintain.

Employment history is not a minor or inconsequential data pointit directly influences lenders risk assessments, impacts my creditworthiness evaluations, and may be used in determining eligibility for loans, housing, and even employment opportunities. The reporting of an employer that I have never been affiliated with is not only factually wrong but also misleading to any party who views my credit file. This false representation could cause third parties to question my honesty, financial stability, or professional history, leading to reputational and economic harm. 

Furthermore, when I have previously disputed other inaccurate personal information, TransUnion has displayed a consistent pattern of failing to conduct a meaningful reinvestigation as required by 15 U.S.C. 1681i ( a ). The law mandates that upon receipt of a dispute, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate or unverifiable information. Simply confirming the data with the same unreliable source that furnished it in the first place is not a lawful or adequate investigation. In this case, TransUnion can not lawfully rely on any unverified or hearsay records to continue publishing this false employer information. 

The fact that this employer data appears in my file strongly suggests that TransUnion either received the information from an unverified third-party data vendor or is commingling my file with information from another consumer. Either way, it demonstrates a severe lapse in their duty to maintain accurate records. This false employment record is damaging, defamatory, and completely unsupported by any factual basis.

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 2025-08-08 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: TN

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 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 2025-08-08 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: TN

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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery has been sent a letter to provide written documentation showing where I opened any accounts for credit that were turned over to them. They have sent letters showing that they show me having an account but can not provide any type of proof that I opened accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing in response to a [ letter/phone call ] received on [ date ] regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. 
* Do not contact me at my place of employment. 
* Do not contact any third parties about this debt. 
If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/year> : I logged into my Equifax account online to obtain access to my credit report. I received a message " XXXX '' stating I need to call. I spoke to a representative by the name of XXXX and was informed to mail a letter in for identity verification included my Driver 's License and a current utility bill showing current address. He informed me after 7 days I should gain access to online credit report. 

XX/XX/year> : Letter was mailed out. 

XXXX XXXX : Attempted to log on to Equifax and still receiving the same message. Called back and was told by a representative, XXXX, I needed to do the same process all over again and this time I would have to wait 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello, I am submitting this formal complaint regarding inaccurate reporting by XXXX XXXXXXXX XXXX on my credit file. Despite submitting multiple disputes directly to XXXX XXXXXXXX XXXX, they have failed to provide a clear and consistent explanation for the discrepancies in the information they are furnishing. 

Specifically, XXXX XXXXXXXX XXXX is reporting a collections account with inconsistent data across the XXXX major credit bureaus : XXXX reports the account Date Opened as XX/XX/year>. 

Experian and XXXX report the account Date Opened as XX/XX/year>. 

The Last Payment Amount also differs between the XXXX credit bureaus. 

These inconsistencies violate the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which obligates furnishers to provide complete and accurate information to all consumer reporting agencies. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello, I am submitting this formal complaint regarding inaccurate reporting by XXXX XXXXXXXX XXXX on my credit file. Despite submitting multiple disputes directly to XXXX XXXXXXXX XXXX they have failed to provide a clear and consistent explanation for the discrepancies in the information they are furnishing. 

Specifically, XXXX XXXX XXXX is reporting a collections account with inconsistent data across the XXXX major credit bureaus : TransUnion reports the account Date Opened as XX/XX/year>. 

XXXX XXXX  Equifax report the account Date Opened as XX/XX/year>. 

The Last Payment Amount also differs between the XXXX credit bureaus. 

These inconsistencies violate the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which obligates furnishers to provide complete and accurate information to all consumer reporting agencies. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
I am filing this complaint against Experian for refusing to conduct a proper investigation into my credit report dispute, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I personally mailed a formal dispute letter to Experian. In that letter, I disputed : Inaccurate reporting of negative accounts on my credit report Inaccurate personal information listed on my credit report Unauthorized and unknown inquiries appearing on my credit report A bankruptcy entry that is reporting with discrepancies and inaccurate information To ensure that Experian could verify my identity and begin the reinvestigation process, I included : A copy of my proof of address A copy of my drivers license A copy of my Social Security card Despite providing all necessary documentation, on XX/XX/year>, I received an email from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This statement is false and misleading, as I personally mailed the dispute letter myself and no one else was authorized to do so on my behalf. Experians refusal to investigate despite receiving a legitimate dispute and valid proof of identity is a clear violation of FCRA Sections 611 ( a ) and 623 ( b ), which require credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information in their file.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WI

Complaint narrative:
I've had my account to Cash app for 3 years one day, Ive tried logging into my account & it said, " this account doesn't exist or can't be recovered '' As you XXXX know I was extremely confused. So I contacted cash app support and they said they said it can not be accessed and offered me no solutions, resolve, or a reason as to why my account vanished. I inquired about this multiple times through various advocates and all they did was continuously send this message, & I quote, " I totally understand this is not the outcome you desired for this case, but I really appreciate your understanding on this matter. I would like to know if there is anything else that I can help you with? '' I no longer have access to my funds after the matter, and I am distraught .. not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello, I am submitting this formal complaint regarding inaccurate and inconsistent reporting by XXXX XXXX XXXX XXXX. Despite prior dispute attempts, XXXX XXXX XXXX XXXX has failed to correct or explain the discrepancies in the information they are furnishing to the credit reporting agencies. 

As of XX/XX/XXXX, the following inaccuracies are present in my credit file : Highest Balance : XXXX  and Equifax report {$2800.00}, while XXXX  reports {$0.00}. 

Date of Last Activity : XXXX  reports XX/XX/XXXX, Equifax reports XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. 

Last Payment Date : XXXX  and XXXX  report XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 

These inconsistencies violate the accuracy and completeness requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report the same complete and accurate information to all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: LA

Complaint narrative:
Hello, I am submitting this formal complaint regarding inaccurate and inconsistent reporting by XXXX XXXX XXXX XXXX. Despite prior dispute attempts, XXXX XXXX XXXX XXXX has failed to correct or explain the discrepancies in the information they are furnishing to the credit reporting agencies. 

As of XX/XX/XXXX, the following inaccuracies are present in my credit file : Highest Balance : TransUnion and XXXX  report {$2800.00}, while Experian reports {$0.00}. 

Date of Last Activity : TransUnion reports XX/XX/XXXX, XXXX  reports XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. 

Last Payment Date : TransUnion and XXXX  report XX/XX/XXXX, while XXXX  reports XX/XX/XXXX. 

These inconsistencies violate the accuracy and completeness requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report the same complete and accurate information to all consumer reporting agencies.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 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 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 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
On XX/XX/year> Wakefield and associates reported collection on my credit for XXXX  for medical bills I reached out to original owner of the XXXX XXXX XXXX gave them my insurance they said we can bill half even though its XXXX percent coverage they said pay XXXX but Wakefield and associates trying to collect XXXX I disputed on XXXX and included the balance was XXXX I dont understand why XXXX XXXX XXXX to collect XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing incorrect late payment marks on my credit accounts. 

For my Bank of America credit card ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ), there are late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never missed or been late on any payment during these months, and my account has been paid on time since the date opened. 

For my XXXX XXXX XXXX auto loan ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), there is a late payment reported in XX/XX/XXXX which is inaccurate. I have always made timely payments on this account, which is now closed.

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 2025-08-09 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: MI

Complaint narrative:
Upon reviewing My Consumer Reports, I discovered some late payments on an account that I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX, XXXX XXXX * XXXX. I am asking for a thorough investigation into these inaccuracies as they hurt the credit report and urge there to be evidence provided, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations in a timely manner.

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 2025-08-09 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: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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