vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
I have received a copy of my credit report and noticed several inaccurate and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I am reaching out because Equifax/Transunion/Experian is helping XXXX XXXX XXXX  put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX  Account Number : XXXX As defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this does not belong on a credit report, so this information on my credit report is NOT accurate. 
By IRS rules, any cancelled debt or charge-off is classified as income. Reporting this debt is incorrect. 
According to 15 USC 1681 s-2 XXXX XXXX XXXX  , as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I am requesting that this inaccurate information be removed from my report right away. 
* * 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) * * A person shall not furnish information relating to consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is in fact, inaccurate. 
Other inconsistencies in my report include the account numbers being used by Equifax, Experian and Transunion having different account numbers, also some of the payment history and account status for some of the highlighted dates are inconsistent across all 3 credit bureaus making the information unreliable and inaccurate In summary, Ive shown you that this information is wrong, and you have been notified. Meaning this inaccurate information in my report is a Direct violation of the Fair Credit Reporting Act.

Please delete this incorrect information from my report immediately. 
Thank you, 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 2025-05-27 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: IL

Complaint narrative:
I have received a copy of my credit report and noticed several inaccurate and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I am reaching out because Equifax/Transunion/Experian is helping XXXX XXXX XXXX  put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX  Account Number : XXXX As defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this does not belong on a credit report, so this information on my credit report is NOT accurate. 
By IRS rules, any cancelled debt or charge-off is classified as income. Reporting this debt is incorrect. 
According to 15 USC 1681 s-2 XXXX XXXX XXXX  , as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I am requesting that this inaccurate information be removed from my report right away. 
* * 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) * * A person shall not furnish information relating to consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is in fact, inaccurate. 
Other inconsistencies in my report include the account numbers being used by Equifax, Experian and Transunion having different account numbers, also some of the payment history and account status for some of the highlighted dates are inconsistent across all 3 credit bureaus making the information unreliable and inaccurate In summary, Ive shown you that this information is wrong, and you have been notified. Meaning this inaccurate information in my report is a Direct violation of the Fair Credit Reporting Act.

Please delete this incorrect information from my report immediately. 
Thank you, 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 2025-05-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Request for Validation and Disclosure of Information Under 15 U.S. Code 1681b and 1681g ( a ) ( 1 ) ( A ) To Whom It May Concern : This letter is a formal request for validation and investigation of a debt entry that appears on my credit report. I am disputing the accuracy and validity of the following account : Account Name : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Pursuant to the Fair Credit Reporting Act, I am exercising my rights under : 15 U.S. Code 1681b, which outlines the permissible purposes for which consumer reports may be furnished. I am requesting that you verify that any party reporting this debt to Experian had a legally permissible purpose to access and report my information. 

15 U.S. Code 1681g ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to disclose to the consumer the identities of all persons who have obtained a consumer report for employment, credit, insurance, or other purposes during the past year. 
I request that Experian : 1. Provide the full validation of the alleged debt, including the name and address of the original creditor and the documentation used to verify the account.

2. Identify all entities that have reported this account and confirm they had a permissible purpose under 1681b.

3. Remove the account from my credit report if it can not be validated or shown to have been reported with proper authorization. 



Please consider this letter a formal dispute of the account. Under the FCRA, you are required to complete an investigation within 30 days and provide me with the results in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : 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 2025-05-27 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: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: HI

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Credit Reporting Under FCRA Due to Potential Data Breach To the Consumer Financial Protection Bureau : I am writing to formally request your assistance in investigating inaccurate and potentially fraudulent information currently reported on my credit files by one or more of the major credit reporting agencies ( Equifax, Experian, and TransUnion ). 

I have reason to believe that a recent data breach affecting the major credit bureaus may have resulted in the compromise of my personal credit information. As a result, I am seeing incorrect and damaging entries on my credit reports, including : Inaccurate addresses Incorrect phone numbers Negative account entries that do not belong to me Potential mixed file issues Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, consumers are guaranteed the right to accurate and fair credit reporting. Specifically, 1681e ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Given these inaccuracies and the likelihood of a data breach being the root cause, I respectfully request that the CFPB initiate a formal investigation and compel the credit reporting agencies to : Remove all inaccurate or unverifiable negative information from my credit files ; Conduct a full reinvestigation of any disputed entries, as required under 1681i ; Provide written verification of any items they claim to have verified as accurate ; Correct all personal identifying information to ensure my credit file is not being mixed with others or fraudulently accessed. 

I have disputed this information with the credit bureaus, and either received inadequate responses or no resolution. Therefore, I am requesting the CFPB 's assistance in ensuring compliance with federal law and protecting my consumer rights. 

Please advise if further documentation or identity verification is needed to proceed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurate Credit Reporting Under FCRA Due to Potential Data Breach To the Consumer Financial Protection Bureau : I am writing to formally request your assistance in investigating inaccurate and potentially fraudulent information currently reported on my credit files by one or more of the major credit reporting agencies ( Equifax, Experian, and TransUnion ). 

I have reason to believe that a recent data breach affecting the major credit bureaus may have resulted in the compromise of my personal credit information. As a result, I am seeing incorrect and damaging entries on my credit reports, including : Inaccurate addresses Incorrect phone numbers Negative account entries that do not belong to me Potential mixed file issues Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, consumers are guaranteed the right to accurate and fair credit reporting. Specifically, 1681e ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Given these inaccuracies and the likelihood of a data breach being the root cause, I respectfully request that the CFPB initiate a formal investigation and compel the credit reporting agencies to : Remove all inaccurate or unverifiable negative information from my credit files ; Conduct a full reinvestigation of any disputed entries, as required under 1681i ; Provide written verification of any items they claim to have verified as accurate ; Correct all personal identifying information to ensure my credit file is not being mixed with others or fraudulently accessed. 

I have disputed this information with the credit bureaus, and either received inadequate responses or no resolution. Therefore, I am requesting the CFPB 's assistance in ensuring compliance with federal law and protecting my consumer rights. 

Please advise if further documentation or identity verification is needed to proceed. 

Thank you for your attention to this matter.

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 2025-05-27 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: NJ

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian regarding the inaccurate and unlawful reporting of XXXX XXXX XXXX  accounts on my credit file. These accountsending in XXXX and XXXXare being reported as charge-offs, despite the fact that such classification constitutes a cancelled debt under IRS regulations , which should have triggered the issuance of a Form 1099-C and ended further collection or reporting. 

Instead, Experian is misreporting the charge-offs as collectible debts, which : Violates 15 U.S.C. 1681s-2 ( a ) by furnishing knowingly inaccurate information.

Contravenes 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy.

Misrepresents the legal and tax status of the accounts, amounting to potential tax fraud, as the IRS defines cancelled debt as income, not a reportable credit event.

Violates GLBA 15 U.S.C. 6801-6809 by transferring nonpublic personal information without lawful consent or proper disclosures. 

Fails to comply with FCRA 1681s-2 ( b ) obligations to cease reporting after consumer notification and confirmation of error.

Experian was previously notified, and I am now reiterating that these entries are harmful, misleading, and must be removed. No further verification is being requested. Only full deletion is acceptable, as continuing to report these entries without full compliance opens the door to legal liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

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 2025-05-27 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: TX

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX  - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX - Account Number : XXXX XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXX * * XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} Inquiries 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 XXXXXX/XX/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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
The person called posing as a law enforcement officers and stated that my daughter needed bail and they ended up scammed me on XX/XX/XXXX for {$420.00}. They hacked my cashapp account. I reached out to cashapp and they did not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I am disputing the accuracy and completeness of the credit reporting associated with my closed account from XXXX XXXX XXXX XXXX XXXX XXXX ) The account is currently listed as a charge-off with a {$0.00} balance, marked as closed in XX/XX/year>, and showing purchased by another lender. However, there are multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Derogatory and late payment reporting continues well after the account was closed, which is inconsistent with industry standards. 

The status remains charge-off despite a {$0.00} balance and the account being closed, with no clarification or correction regarding resolution. 

The reporting history shows inconsistent use of derogatory and late markers for months after the last activity and closing date. 

The account is marked as purchased by another lender yet still appears active under XXXX with negative impact. 


Under FCRA, all information furnished to the credit bureaus must be accurate, verifiable, and current. Based on the errors listed above, this account appears to be incomplete and unverifiable. 

I am requesting the permanent deletion of this account from all credit bureaus ( XXXX, Experian, and XXXX  ). Any failure to do so will be treated as willful noncompliance under FCRA and may be subject to further escalation.

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 2025-05-27 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: CA

Complaint narrative:
I am disputing the accuracy and completeness of the credit reporting associated with my closed account from XXXX XXXX XXXX XXXX XXXX XXXX ) The account is currently listed as a charge-off with a {$0.00} balance, marked as closed in XX/XX/year>, and showing purchased by another lender. However, there are multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Derogatory and late payment reporting continues well after the account was closed, which is inconsistent with industry standards. 

The status remains charge-off despite a {$0.00} balance and the account being closed, with no clarification or correction regarding resolution. 

The reporting history shows inconsistent use of derogatory and late markers for months after the last activity and closing date. 

The account is marked as purchased by another lender yet still appears active under XXXXXXXX with negative impact. 


Under FCRA, all information furnished to the credit bureaus must be accurate, verifiable, and current. Based on the errors listed above, this account appears to be incomplete and unverifiable. 

I am requesting the permanent deletion of this account from all credit bureaus ( XXXXXXXX XXXX and TransUnion ). Any failure to do so will be treated as willful noncompliance under FCRA and may be subject to further escalation.

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 2025-05-27 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:
I am disputing the accuracy and completeness of the credit reporting associated with my closed account from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX account is currently listed as a charge-off with a {$0.00} balance, marked as closed in XX/XX/year>, and showing purchased by another lender. However, there are multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Derogatory and late payment reporting continues well after the account was closed, which is inconsistent with industry standards. 

The status remains charge-off despite a {$0.00} balance and the account being closed, with no clarification or correction regarding resolution. 

The reporting history shows inconsistent use of derogatory and late markers for months after the last activity and closing date. 

The account is marked as purchased by another lender yet still appears active under XXXX  with negative impact. 


Under FCRA, all information furnished to the credit bureaus must be accurate, verifiable, and current. Based on the errors listed above, this account appears to be incomplete and unverifiable. 

I am requesting the permanent deletion of this account from all credit bureaus ( Equifax, XXXX XXXX XXXX  ). Any failure to do so will be treated as willful noncompliance under FCRA and may be subject to further escalation.

Company response to consumer: Closed with non-monetary relief