vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, a scammer claimed to be puppy seller and asked me to prepay half of the fees ( {$350.00} ) via XXXX with Bank of America. I did and found out it was a scammer. But XXXX was never able to claim the money back for 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 2025-07-30 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: TN

Complaint narrative:
On XX/XX/year>, my phone was stolen. On XX/XX/year>, nearly XXXX hours later, a {$1500.00} unauthorized transfer was sent from my Cash App account after the thief failed my PIN XXXX  and then succeeded on the XXXX  attempt. The payment note left was obscene, which further proves this transaction was fraudulent. 

Cash App denied my dispute and falsely claimed the transaction was authorized, ignoring key evidence of failed PIN entries and stolen device use. This denial caused me to miss the 0 % payoff deadline on my motorcycle loan, increasing my balance from {$1700.00} to {$2500.00}. I am now paying {$290.00} per month for a motorcycle I no longer own, while supporting my XXXX daughter and maxing out credit cards. 

I also had a deleted historical Cash App account ( $ XXXX ) that experienced unresolved service failures and likely qualifies for redress under the CFPB settlement announced in XX/XX/year>. I am requesting that both my active case and historical account be reviewed for compensation including my wifes account. 

I have filed with the FTC, the Tennessee Attorney General, and submitted an earlier CFPB complaint ( XXXX XXXXXXXX ), yet Cash App continues to send generic responses without addressing why their security failed or why they denied this clear fraud. 

My household falls within the lowerincome demographic ( supporting a XXXX  child ) that Cash Apps historical failures have been shown to impact most severely, according to CFPB findings ; this makes the ongoing denial of my fraud dispute especially damaging and indicative of a continued systemic issue. 

Requested Resolution : I am demanding {$2500.00} restitution ( covering the stolen {$1500.00} and additional harm from missing the 0 % interest deadline ) and a review of my deleted account and wifes account for settlement redress. If Cash App does not resolve this, I am prepared to pursue legal action and further escalation through media and regulatory channels. 
Cash tags XXXX XXXXXXXX $ XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I have {$8300.00} in interest that has accrued despite being on the zero-interest SAVE plan since the COVID pandemic. I had paid off all of my interest that accrued prior to COVID in XXXX. 

Of note, I spoke to someone on the phone in XX/XX/XXXX and they assured me this was a mistake and would be corrected. 

When I tried to submit this through XXXX I got an error page saying they could not take my feedback.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: NC

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and January all once owned a Allegedly debt accounts of my sister and I. They have mixed up our accounts and emails, exposing our personal information to an unauthorized third party. On multiple occasions XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian, Equifax and Trans Union Complaint I am filing this complaint against Experian, Equifax and Trans Union for failure to accurately investigate and correct multiple accounts on my credit report, which were included in my XXXX  XXXX XXXX  filed on XX/XX/year>. Before my Chapter XXXX I had no late payments. After petitioning I recived XXXX OR more XXXX to XXXX  day late payments. 

Despite sending a formal written dispute under FCRA 1681i on [ XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/year>, with supporting documentation including my XXXX  discharge, Experian failed to correct or delete the following accounts : XXXX XXXX XXXX reporting a late payment after bankruptcy filing still show balances or charged off despite being XXXX XXXX Card XXXX late reported post-bankruptcy XXXX  XXXX ( multiple accounts ) XXXX  days late reported post-bankruptcy still show balances or charged off despite being XXXX XXXX  XXXX accounts included in XXXX still show derogatory or disputed marks Experian did not provide a method of verification or reinvestigation results in compliance with FCRA. These inaccurate reports are damaging my creditworthiness and violating my consumer rights. 

I am requesting CFPB intervention to enforce my rights under FCRA and ensure correction or removal of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian, Equifax and Trans Union Complaint I am filing this complaint against Experian, Equifax and Trans Union for failure to accurately investigate and correct multiple accounts on my credit report, which were included in my XXXX  XXXX XXXX  filed on XX/XX/year>. Before my Chapter XXXX I had no late payments. After petitioning I recived XXXX OR more XXXX to XXXX  day late payments. 

Despite sending a formal written dispute under FCRA 1681i on [ XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/year>, with supporting documentation including my XXXX  discharge, Experian failed to correct or delete the following accounts : XXXX XXXX XXXX reporting a late payment after bankruptcy filing still show balances or charged off despite being XXXX XXXX Card XXXX late reported post-bankruptcy XXXX  XXXX ( multiple accounts ) XXXX  days late reported post-bankruptcy still show balances or charged off despite being XXXX XXXX  XXXX accounts included in XXXX still show derogatory or disputed marks Experian did not provide a method of verification or reinvestigation results in compliance with FCRA. These inaccurate reports are damaging my creditworthiness and violating my consumer rights. 

I am requesting CFPB intervention to enforce my rights under FCRA and ensure correction or removal of these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MN

Complaint narrative:
I recently viewed a copy of my credit report and notice fraudulent account on my report please remove it from my credit report. they're hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MN

Complaint narrative:
I recently viewed a copy of my credit report and notice fraudulent account on my report please remove it from my credit report. they're hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am the victim of identity theft and am formally requesting an urgent investigation and removal of multiple inaccurate, unauthorized, and fraudulent items currently appearing on my credit reports. These entries were made without my consent or knowledge and are seriously damaging my credit standing. 



Unauthorized Hard Inquiries ( Identity Theft ) : 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  Fraudulent Charge-Off Account : XXXX  - This charge-off account was opened and reported without my knowledge or authorization. I never applied for or used this account. It is fraudulent and must be removed.

Inaccurate & Disputed Late Payment Accounts : The following accounts have reported late payments that are either the result of identity theft, internal processing issues, or billing failures on the creditors end. These late marks are unjustified and do not reflect my payment behavior : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate deletion of these inaccurate items from all three credit bureaus ( Equifax, TransUnion, and Experian ) in accordance with the Fair Credit Reporting Act ( FCRA ). I reserve the right to escalate this matter further with supporting documents including a police report and FTC Identity Theft Affidavit.

These errors are negatively impacting my financial health, and continued reporting constitutes an ongoing violation of my rights as a consumer. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Phone : 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 2025-07-30 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: CA

Complaint narrative:
I am the victim of identity theft and am formally requesting an urgent investigation and removal of multiple inaccurate, unauthorized, and fraudulent items currently appearing on my credit reports. These entries were made without my consent or knowledge and are seriously damaging my credit standing. 



Unauthorized Hard Inquiries ( Identity Theft ) : 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  Fraudulent Charge-Off Account : XXXX  - This charge-off account was opened and reported without my knowledge or authorization. I never applied for or used this account. It is fraudulent and must be removed.

Inaccurate & Disputed Late Payment Accounts : The following accounts have reported late payments that are either the result of identity theft, internal processing issues, or billing failures on the creditors end. These late marks are unjustified and do not reflect my payment behavior : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request the immediate deletion of these inaccurate items from all three credit bureaus ( Equifax, TransUnion, and Experian ) in accordance with the Fair Credit Reporting Act ( FCRA ). I reserve the right to escalate this matter further with supporting documents including a police report and FTC Identity Theft Affidavit.

These errors are negatively impacting my financial health, and continued reporting constitutes an ongoing violation of my rights as a consumer. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief