vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: NV

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) are acting in bad faith by conspiring to report my account to collections and the credit reporting agencies. I purchased a XXXX XXXX XXXX XXXX  and financed with XXXX XXXX XXXX and a few months later I was a victim in which a commercial van ran a redlight and crashed into my vehicle, sending me to the hospital and rendering my vehicle a Total Loss. Rather than XXXX waiting for the pending negotiations between the insurance companies and attorneys for the pay off loss of the vehicle, they negligently and malicously sent my account to negative reporting on the credit reporting agencies causing my FICO score to drop from XXXX to XXXX. This negative reporting has negatively impacted my ability to get housing, employment, and transportation. I am reporting that XXXX remove my collections account from all 3 credit reporting agencies until the insurance settlement is resolved.

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 2025-08-12 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: NV

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are acting in bad faith by conspiring to report my account to collections and the credit reporting agencies. I purchased a XXXX XXXX XXXX XXXX and financed with XXXX XXXX XXXX and a few months later I was a victim in which a commercial van ran a redlight and crashed into my vehicle, sending me to the hospital and rendering my vehicle a Total Loss. Rather than XXXX waiting for the pending negotiations between the insurance companies and attorneys for the pay off loss of the vehicle, they negligently and malicously sent my account to negative reporting on the credit reporting agencies causing my FICO score to drop from XXXX to XXXX. This negative reporting has negatively impacted my ability to get housing, employment, and transportation. I am reporting that XXXX remove my collections account from all 3 credit reporting agencies until the insurance settlement is resolved.

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 2025-08-12 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: NV

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are acting in bad faith by conspiring to report my account to collections and the credit reporting agencies. I purchased a XXXX XXXX XXXX XXXX  and financed with XXXX XXXX XXXX and a few months later I was a victim in which a commercial van ran a redlight and crashed into my vehicle, sending me to the hospital and rendering my vehicle a Total Loss. Rather than XXXX waiting for the pending negotiations between the insurance companies and attorneys for the pay off loss of the vehicle, they negligently and malicously sent my account to negative reporting on the credit reporting agencies causing my FICO score to drop from XXXX to XXXX. This negative reporting has negatively impacted my ability to get housing, employment, and transportation. I am reporting that XXXX remove my collections account from all 3 credit reporting agencies until the insurance settlement is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-12 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

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

1681c2 ) that you, the TransUnion 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 - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$5000.00}

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 2025-08-12 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: NC

Complaint narrative:
I am filing a formal complaint against TransUnion, Experian, and Equifax for inaccurate, conflicting, and unverifiable reporting of the same account in violation of the Fair Credit Reporting Act ( FCRA ) XXXX. 
Account in Question : Creditor : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving / Credit Card Summary of Violations : This single account is reported with material discrepancies across the XXXX credit bureaus, which impacts my creditworthiness and violates the requirement for maximum possible accuracy. Examples include : Date Last Active All three bureaus list different dates : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX This directly impacts the XXXX reporting period under 605 ( c ) and raises concern of illegal re-aging. 

High Credit Reported inconsistently : TransUnion : {$1100.00} Experian : {$0.00} ( impossible if a balance is reported ) Equifax : {$1100.00} Credit Limit Reported inconsistently : TransUnion : {$0.00} Experian : {$1000.00} Equifax : {$0.00} Comments/ Status Completely different explanations given : TransUnion : Charged off as bad debt ; canceled by credit grantor Experian : Account closed due to inactivity ; unpaid balance reported as loss Equifax : Charged off account ; account closed by credit grantor The FCRA requires that information furnished to consumer reporting agencies be accurate, complete, and verifiable. The above conflicts prove that this data is unverifiable as reported. Per 1681i ( a ) ( 5 ), if the accuracy of information can not be verified, the item must be deleted not updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
I am filing a formal complaint against TransUnion, Experian, and Equifax for inaccurate, conflicting, and unverifiable reporting of the same account in violation of the Fair Credit Reporting Act ( FCRA ) XXXX. 
Account in Question : Creditor : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving / Credit Card Summary of Violations : This single account is reported with material discrepancies across the XXXX credit bureaus, which impacts my creditworthiness and violates the requirement for maximum possible accuracy. Examples include : Date Last Active All three bureaus list different dates : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX This directly impacts the XXXX reporting period under 605 ( c ) and raises concern of illegal re-aging. 

High Credit Reported inconsistently : TransUnion : {$1100.00} Experian : {$0.00} ( impossible if a balance is reported ) Equifax : {$1100.00} Credit Limit Reported inconsistently : TransUnion : {$0.00} Experian : {$1000.00} Equifax : {$0.00} Comments/ Status Completely different explanations given : TransUnion : Charged off as bad debt ; canceled by credit grantor Experian : Account closed due to inactivity ; unpaid balance reported as loss Equifax : Charged off account ; account closed by credit grantor The FCRA requires that information furnished to consumer reporting agencies be accurate, complete, and verifiable. The above conflicts prove that this data is unverifiable as reported. Per 1681i ( a ) ( 5 ), if the accuracy of information can not be verified, the item must be deleted not 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The company failure to disclose the security interest agreement and failure to informed the consumer use of credit. The company is still reporting on credit report after they writing it off for tax purposes. They have the car in their possession as the collateral has been forfeited and fulfilled. The company is refusing to remove the misinformation and misleading information off the credit report. Ask them, do they have the car and if so, why is it still reporting inaccurate and not removed since the agreement has been satisfied

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 2025-08-12 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: SC

Complaint narrative:
The company failure to disclose the security interest agreement and failure to informed the consumer use of credit. The company is still reporting on credit report after they writing it off for tax purposes. They have the car in their possession as the collateral has been forfeited and fulfilled. The company is refusing to remove the misinformation and misleading information off the credit report. Ask them, do they have the car and if so, why is it still reporting inaccurate and not removed since the agreement has been satisfied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing multiple fraudulent accounts that have been erroneously reported on my credit report. I have never authorized, opened, or had any association with these accounts. The continued presence of this inaccurate information is causing significant and unwarranted damage to my credit standing and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX - XXXX XX/XX/year> around XXXX, I sent {$280.00} to my sister friends cash app for an emergency that my sister was having. 

I wrote on the line : XXXX XXXX we call her XXXX  as a nickname and that was to make note of who I was sending the money too. Its regular common cash app etiquette. Cash app took the payment and put a pending status. I have been waiting since XX/XX/XXXX for my money to be sent back to my account. A cash app specialist contacted me 1-2 days after they took my payment of {$280.00} asking me what was the payment for. I explained. XXXX said in 2 business days that I will get email stating the final decision of the investigation. 

I still havent got any emails or my money released. I have all the emails with cash app support and the managers in my phone. I emailed at least 4 managers. The professionalism and response is very generic when they do rely. Every manager said the same thing like a recording robot. When you call cash app number the agents say the same thing that my case has been bumped and they will look into my complaint nothing has been resolved. 

At this point I at my ends wit, I need my money returned and some professional courtesy. And I read online in the cash app policy that during the investigation that after 10 days that cash app company is suppose to give a provisional credit of the money to the clients account and its been over 10 days. Cash app is violating their policy with their clients. I feel like Im being disrespected and cash app staff has abused their power to hold our money. My sister had an emergency and we suffered a lot of stress and set backs b/c they held the money when she really needed it. I was being patient but it seems like this is a legal matter that needs to be addressed in the court of law with a law suit. I have been mishandled and abused. I will wait and see how long this takes for cash app to reply to me after this last step. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : DEPTEDXXXX 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

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 2025-08-12 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:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within 4 business days. 
You are now in WILLFUL NONCOMPLIANCE with the Fair Credit Reporting Act and knowingly causing harm to a consumer. 
Despite providing : - A valid FTC Identity Theft Report - A written request for block/removal - Clear documentation of fraud You continue to report the following : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: CA

Complaint narrative:
Within the past year Zion Debt Holdings filed a collections claim against me with the XXXX  credit bureau. They purchased a debt of {$140.00} from XXXX XXXX XXXX, a company with poor and deceptive business practices. I emailed Zion Debt Holding 's on XX/XX/XXXX and again on XX/XX/XXXX disputing this debt and asked them to retract their claim. I also outlined my history with XXXX XXXX XXXX and explained why their debt was unfounded. Zion responded that they would only dismiss the debt if It was paid off. 

I believe their claim to be an illegitimate one for the following reasons : I paid for monitoring service with XXXX for several years without issue. However, the communication module provided by this company suddenly stopped working around XXXX of XXXX. After at least five months of trying to resolve the issue with XXXX, I felt as though the company did not make a sincere and reasonable effort to fix their communicator module and I felt as if I were being scammed. 

XXXX XXXX sent me a replacement module that did not work. Then they scheduled a repair technician that had to be booked over a month in advance. The technician did not show up on the scheduled date. I was later told that the repair was cancelled by the company, but I received no notice of cancellation. XXXX then sent me another replacement module that also did not work. For at least 5 months I was paying for service while waiting for this company to provide a working module. I asked them if I could be credited for those months I was unable to use their service. They said I would be once the system was fixed. But it seemed like they had little intention of providing a working module. I finally switched to another monitoring company that provided me with a working module and I have not had any issues with my system since then. 

I was initially told by Brinks that they would cancel my account immediately at the time of my cancellation request and that they would waive their one month cancellation notice policy. But they did not honor that promise and my credit card was charged for an additional {$32.00}. This is the amount originally disputed, yet XXXX sent a claim of {$140.00} to collections. Additional charges made to my account were not specified in my contract and are also be illegitimate. There was no disclosure of fee schedules from XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
I discovered accounts listed under my name that I did not open or authorize. These accounts appear to be the result of identity theft. I have no knowledge of these accounts, nor did I give anyone permission to open them on my behalf. I have already filed an identity theft report with the Federal Trade Commission ( FTC ), the report will be uploaded.

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