vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
I am filing a formal complaint against the credit reporting agencies ( XXXX, XXXX, and TransUnion ) for reporting one or more student loan accounts that I never authorized to be furnished to the credit bureaus. 
While I acknowledge that the underlying debt exists, I never gave written consent or received proper notice that my personal information would be shared with credit reporting agencies. 

This may constitute a violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits reporting without a permissible purpose, and the Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ), which requires proper disclosure and opt-out options before sharing nonpublic personal information. 

I sent a dispute to the bureaus requesting a verification of their legal basis to report these accounts, including a copy of any signed contract that grants permission to furnish my data. 

To date, I have not received a valid response or documentation. I am requesting the CFPBs assistance in requiring the credit bureaus to provide this verification or to delete the accounts if they can not justify their reporting authority.

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 2025-08-05 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: OH

Complaint narrative:
I previously disputed a fraudulent XXXX and XXXX account on my TransUnion credit report by submitting an FTC Identity Theft Report and Affidavit, pursuant to FCRA 605B. The account was deleted after that dispute.

TransUnion has now reinserted the account without notifying me within 5 business days, which violates FCRA 611 ( a ) ( 5 ) ( B ). They have also refused to allow me to file a new dispute, which is a denial of my rights under the FCRA. 

I am requesting that TransUnion provide a full Method of Verification ( MOV ) per FCRA 611 ( a ) ( 7 ), including : What method and documents were used to verify the account. 
IP address or digital records tied to the original application. 
Any signed agreements. 
The name and contact information of the furnisher ( XXXX, XXXX XXXX ). 

If no such verification exists or can not be produced, I am requesting the permanent deletion of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( Complaint # XXXX ) regarding inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX XXXX  ( Account XXXX : XXXXXXXX XXXX ) and XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-08-05 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: VA

Complaint narrative:
am writing to formally dispute the reporting of the following fraudulent accounts on my credit report : Credence Resource Management Account Number : XXXX * * * * XXXX XXXXXXXX Account Number : XXXX These accounts were opened and/or reported without my knowledge, consent, or authorization. I did not initiate or approve these accounts, and they constitute identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information, and you are required by law to investigate and resolve disputes within 30 days. 
Attached you will find : A copy of my government-issued ID Proof of address ( utility bill or bank statement ) A signed FTC Identity Theft Report or police report ( if available ) A copy of the credit report showing the fraudulent entries I demand that these accounts be immediately investigated and removed from my credit file. If these accounts are not removed or if no appropriate response is received within 30 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I expect written confirmation that these accounts have been removed, along with an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
am writing to formally dispute the reporting of the following fraudulent accounts on my credit report : Credence Resource Management Account Number : XXXX * * * * XXXX XXXXXXXX Account Number : XXXX These accounts were opened and/or reported without my knowledge, consent, or authorization. I did not initiate or approve these accounts, and they constitute identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information, and you are required by law to investigate and resolve disputes within 30 days. 
Attached you will find : A copy of my government-issued ID Proof of address ( utility bill or bank statement ) A signed FTC Identity Theft Report or police report ( if available ) A copy of the credit report showing the fraudulent entries I demand that these accounts be immediately investigated and removed from my credit file. If these accounts are not removed or if no appropriate response is received within 30 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I expect written confirmation that these accounts have been removed, along with an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had a XXXX account for years, owned by XXXX. 

Inexplicably, they " permanently locked '' my account last week. As a result, I can't aceess any information online. I've called the number on the back of the card and they told becuase it is " permanetly locked '' they can't close the account and they will not send MY money back to me ( or unlock my account so I can transfer the funds ), which sounds like a scam from XXXX to allow no due process and make it near impossible for customers to fight to get their own finds back. 

XXXX does not provide ANY alternative way to contact them, and the overseas CSRs who answer the phone are robotic and refuse to provide any process for me to simply get my funds back and move on. 

Also, given comments on XXXX and XXXX ( when I was searching as to why I was locked ), apparently XXXX went on a massive spree last week of locking accounts out of the blue, so I suspect something shady is going on with the company and there is no way to get anyone with any authority to resolve this or provide answers. 

I just want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I found one main not reporting dates right, and others with different dates, there are different company names for the same collections and a lot of dates are wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-08-05 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
If this is a medical debt, i request that it be handled in compliance with all applicable federal regulations, including the No Surprise Act and recent changes in credit reporting polices, which limits how and when unpaid medical collections be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX, I filed a dispute through the CFPB portal and provided Experian with all necessary documentation to validate my claim. Upon reviewing my Experian credit file, I identified two tradelines explicitly categorized as medical collection debt. Under the Consumer Financial Protection Bureaus Final Rule issued XXXX XXXX XXXX and effective XXXX XXXX XXXX, medical debtsregardless of dollar amount, payment status, or ageare prohibited from appearing on consumer credit reports ( Regulation V, 12 C.F.R. 1022.20 ( e ) ( 1 ) ). Experians continued reporting of these two medicaldebt accounts directly violates that rule and the Fair Credit Reporting Acts prohibition on furnishing inaccurate or unlawful tradelines.

The two unlawful accounts still reflected on my credit report are : - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Experian has neither removed these entries nor provided a substantive response beyond an in progress status. Moreover, Experians delay violates FCRA 611 ( a ) ( 1 ), which mandates completion of reinvestigation within 30 days of receipt of dispute notice.

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 2025-08-05 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: TN

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15U.S.C 1681c-2 ) that you, equifax credit reporting agency , block any information appearing on my credit report that is a result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of credit card accounts from XXXX  XXXX on XX/XX/XXXX. Collection account from XXXX XXXX XXXX on XXXX XXXX. An account from XXXX XXXX XXXX on XX/XX/XXXX. And 2 separate accounts from XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. These accounts have resulted in several fraudulent accounts and collections appearing on my credit report. I do not recognize the aforementioned accounts and collections. The aforementioned accounts and collections appearing on my credit report maintained by you were not opened or initiated by me. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned accounts and collections are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: LA

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 explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-05 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I made a gift card purchase through XXXX in XX/XX/year>. XXXX used a third-party provider, XXXX, XXXX deliver the gift card. The gift card I received ( for XXXX XXXX ) showed a {$0.00} balance when I attempted to use it. I contacted XXXX XXXX, and they confirmed the card has no balance and no transaction history. 

I reached out to XXXX the same day and was redirected to XXXX. XXXX then told me to contact XXXX XXXX. XXXX XXXX again confirmed the card was invalid. I contacted XXXX again, and they refused to resend a card or refund me, and redirected me back to XXXX. XXXX also refused to take responsibility and told me to deal with XXXX. 

This has been going on for nearly a month. Ive contacted both companies multiple times, and neither has provided a resolution. XXXX still being asked to pay for a service ( a working gift card ) that I never received. I have saved all proof of communication, including screenshots, emails, and timestamps. 

I am requesting the charge be removed from my XXXX account or refunded immediately.

Company response to consumer: Closed with explanation