vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: KY

Complaint narrative:
XXXXI am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX: Account Number: XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX: Account Number: XXXX XXXX XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX: Date of inquiry: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX XXXX: Account Number: XXXXCurrent Address(es): XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): 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 non-monetary relief
Consumer complaint received 2025-06-26 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:
To Whom It May Concern, I am filing this formal complaint to dispute multiple fraudulent collection accounts reported on my credit profile as a result of identity theft. Despite my efforts to resolve these directly with the creditors and collection agencies, the accounts remain unresolved, harming my credit and violating federal consumer protection laws. 

Fraudulent Accounts : | XXXX XXXX XXXX XXXX | {$1800.00} | XXXX XXXX XXXX | {$1000.00} | XXXX XXXX XXXX XXXX | {$1500.00} | XXXX XXXX XXXX | {$2200.00}

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 non-monetary relief
Consumer complaint received 2025-06-26 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: TX

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

1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 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: FL

Complaint narrative:
I am filing this complaint due to several inaccurate and misleading items being reported on my credit reports by XXXX XXXX ( two accounts ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts are negatively affecting my credit score due to false reporting, improper re-aging, and violations of the Fair Credit Reporting Act ( FCRA ). 

Details of each account : XXXX XXXX XXXX  ( 2 accounts ) : These accounts are reporting a {$0.00} balance but are still being listed as active collections. This is misleading and inaccurate. An account that has a {$0.00} balance should not continue to be reported as a derogatory collection, as it gives the false impression that the debt is still outstanding and collectible. 

XXXX. XXXX XXXX XXXX This account is also reporting a {$0.00} balance while being marked as a collection. This is inconsistent with fair credit reporting standards and is inaccurately hurting my creditworthiness. Again, a {$0.00} balance should not carry an active negative status unless the information is being misrepresented. 

XXXX XXXX XXXX  : This account appears to be re-agedthe date of last activity has been changed to a more recent date, even though there has been no recent activity on the account. The balance is also inaccurate. This violates FCRA 605 ( c ), which prohibits re-aging of accounts, and FCRA 1681s-2 ( a ) ( 1 ) ( B ), which prohibits the reporting of information known to be inaccurate.

Laws being violated : FCRA 1681e ( b ) : Requires that credit reporting agencies maintain maximum possible accuracy.

FCRA 605 ( c ) : Prohibits the re-aging of accounts to keep derogatory information on a credit report beyond the 7-year limit.

FCRA 1681s-2 ( a ) : Prohibits furnishers of credit information from reporting data they know or should know 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 non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am filing this complaint due to several inaccurate and misleading items being reported on my credit reports by XXXX XXXX ( two accounts ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts are negatively affecting my credit score due to false reporting, improper re-aging, and violations of the Fair Credit Reporting Act ( FCRA ). 

Details of each account : XXXX XXXX XXXX  ( 2 accounts ) : These accounts are reporting a {$0.00} balance but are still being listed as active collections. This is misleading and inaccurate. An account that has a {$0.00} balance should not continue to be reported as a derogatory collection, as it gives the false impression that the debt is still outstanding and collectible. 

XXXX. XXXX XXXX XXXX This account is also reporting a {$0.00} balance while being marked as a collection. This is inconsistent with fair credit reporting standards and is inaccurately hurting my creditworthiness. Again, a {$0.00} balance should not carry an active negative status unless the information is being misrepresented. 

XXXX XXXX XXXX  : This account appears to be re-agedthe date of last activity has been changed to a more recent date, even though there has been no recent activity on the account. The balance is also inaccurate. This violates FCRA 605 ( c ), which prohibits re-aging of accounts, and FCRA 1681s-2 ( a ) ( 1 ) ( B ), which prohibits the reporting of information known to be inaccurate.

Laws being violated : FCRA 1681e ( b ) : Requires that credit reporting agencies maintain maximum possible accuracy.

FCRA 605 ( c ) : Prohibits the re-aging of accounts to keep derogatory information on a credit report beyond the 7-year limit.

FCRA 1681s-2 ( a ) : Prohibits furnishers of credit information from reporting data they know or should know 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 2025-06-26 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: NJ

Complaint narrative:
I am trying to get an apartment and came across this account on my report I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-06-26 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:
I am trying to get an apartment and came across this account on my report I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-06-26 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-26 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During this time late payments occurred allegedly, my husband was very sick and eventually passed. I was on a hardship plan and had auto payment.I believed my payments were being handled but later found out there was issues with auto payments declined on certain cards.i wasnt made aware till much later.i intentionally never missed a payment despite the extreme emotional and financial hardship I was under.i have maintained perfect since the last missed on all my cards.I request documentation of hardship program payment activityb and etc. but capitol one refused to provide so i can confirm the cards that had issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
My name is XXXX XXXX XXXX, and I am the victim of identity theft. After reviewing my credit reports, I found multiple accounts and collections that I did not open or authorize. These fraudulent items are harming my credit. 

The following accounts are not mine and were opened without my consent : XXXX XXXX ( charged-off ) XXXX XXXX ( auto loan/repo ) XXXX XXXX ( collection XXXX XXXX ( XXXX collection ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) Under FCRA 605B / 15 U.S.C. 1681c-2, I request these accounts be blocked and permanently removed from my credit file. Please confirm their removal and ensure no reinsertion without proper notice. 

Sincerely, XXXX XXXX XXXX Date of Birth : XXXX SSN ( Last 4 ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Email : 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 2025-06-26 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report. 

Reporting inaccurate and unauthorized information violates the Fair Credit Reporting Act ( FCRA ) and is causing serious and unjust damage to my credit. If this item is not removed promptly, I expect a full deletion of this fraudulent account without delay.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
on XX/XX/2025 i received an email notification from Experian stating that my dispute results were ready. Upon logging in and checking the results, they showed the same information which is an old creditor ( XXXX XXXX ) in the amount of XXXX XXXXXXXX-no proof of verification and no changes to the account or updating of information reported. This account was paid in full and all communication from XXXX XXXX as well as the debt collector it was sold to was sent to Experian via mail and uploaded on my account portal. I called Experian on XX/XX/2025 at approx. XXXXXXXX XXXX to get this issue resolved and I was only offered yet another dispute by Employee " XXXX ''. This information that is showing on my report is incorrect and hurting my score. Experian is not verifying or reading the proof that the debt has been cleared. The confirmation for the new dispute that was submitted by XXXX on XX/XX/2025 is as follows # 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with LVNV funding ( XXXX XXXX ) . A tradeline reflecting this account was added to my credit reports shortly thereafter. my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. original trade and collection trade not matchingThe withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that LVNV funding ( XXXX XXXX XXXX  XXXX update my account information with the credit reporting agencies to accurately reflect my full payment and balance history. Failure to correct this information promptly may compel me to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing further remedies available under the FCRA.

Company response to consumer: Closed with explanation