vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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 requesting the correction of an inaccurate late payment currently listed on my credit file. This entry does not reflect my true payment history, as I have always fulfilled my obligations in a timely manner.

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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX that was opened fraudulently under my name. The original creditorXXXX XXXX XXXX  issued a letter on XX/XX/2025, stating that the account was the result of a fraudulent application and confirmed they had submitted deletion requests to XXXX, XXXX, TransUnion, and XXXX. 

Despite this confirmation and deletion request, XXXX XXXX is still reporting this account on my credit report. This account is fraudulent, not mine, and is causing harm to my credit profile. 

I contacted XXXX XXXX and submitted the documentation from XXXX XXXX showing that the account should be removed. I have not received a resolution, and the item remains on my report. 

In addition, the account is tied to an inaccurate address. My correct address is : XXXX XXXX XXXX, XXXX, XXXX XXXX Reporting an inaccurate address or fraudulent debt violates the Fair Credit Reporting Act ( FCRA ) under : 607 ( b ) Furnishers must ensure the maximum possible accuracy of information 611 ( a ) Consumers have the right to dispute and correct inaccurate or fraudulent accounts

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 2025-07-10 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America placed a hard inquiry on my credit report dated XX/XX/year>. I never applied for credit or gave consent. This was unauthorized and violates the Fair Credit Reporting Act. Please delete it.

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 2025-07-10 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I mailed a certified dispute letter to TransUnion, Experian, and Equifax at their respective addresses. My letter was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and clearly outlined specific inaccuracies and unverifiable items in my credit report. It included : A request to correct my personal identifying information ( name and address ) Disputes of multiple inaccurate or unverifiable accounts A demand to remove all unauthorized or unverified hard inquiries I provided sufficient identifying information, supporting documentation, and cited relevant FCRA provisions including 604, 607, 609, 611, 616, and 617. The letter was sent via certified mail with return receipt to ensure timely and documented delivery.

Despite these legal obligations, none of the credit bureaus responded within the required 30-day time frame under FCRA 611 ( a ) ( 1 ). Nor did they initiate any reinvestigation, provide verification documentation, or issue a corrected credit report. Their silence constitutes a willful and/or negligent violation of their duties under the FCRA.

I have now exhausted all reasonable attempts to resolve this matter directly with the credit reporting agencies. As a result, I am filing this complaint and pursuing additional remedies, including potential legal action, as provided by FCRA 616 and 617, which allow for : Actual damages from denial of credit or emotional distress Statutory damages up to {$1000.00} per violation Punitive damages for willful noncompliance Attorneys fees and costs Their failure to respond has left inaccurate information on my report, causing ongoing harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I mailed a certified dispute letter to TransUnion, Experian, and Equifax at their respective addresses. My letter was sent in accordance with the Fair Credit Reporting Act ( FCRA ) and clearly outlined specific inaccuracies and unverifiable items in my credit report. It included : A request to correct my personal identifying information ( name and address ) Disputes of multiple inaccurate or unverifiable accounts A demand to remove all unauthorized or unverified hard inquiries I provided sufficient identifying information, supporting documentation, and cited relevant FCRA provisions including 604, 607, 609, 611, 616, and 617. The letter was sent via certified mail with return receipt to ensure timely and documented delivery.

Despite these legal obligations, none of the credit bureaus responded within the required 30-day time frame under FCRA 611 ( a ) ( 1 ). Nor did they initiate any reinvestigation, provide verification documentation, or issue a corrected credit report. Their silence constitutes a willful and/or negligent violation of their duties under the FCRA.

I have now exhausted all reasonable attempts to resolve this matter directly with the credit reporting agencies. As a result, I am filing this complaint and pursuing additional remedies, including potential legal action, as provided by FCRA 616 and 617, which allow for : Actual damages from denial of credit or emotional distress Statutory damages up to {$1000.00} per violation Punitive damages for willful noncompliance Attorneys fees and costs Their failure to respond has left inaccurate information on my report, causing ongoing harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Experian Disputes Department, I am writing under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to formally request the immediate blocking of the following fraudulent account ( s ) that were opened in my name without my knowledge or consent : Creditor Name : XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$9600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$5700.00} XXXXXXXX XXXX XXXX {$3900.00} XXXX This account resulted from identity theft, and I am not responsible for it. Attached Below : A copy of the identity theft report filed with FTC Under FCRA 605B, I am requesting that this account be blocked from my credit report within the required 4 business days. Please notify me in writing when this has been completed. Thank you for your prompt attention. Sincerely, 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 2025-07-10 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: NV

Complaint narrative:
Despite receiving my formal identity theft dispute on XX/XX/XXXX, XXXXincluding my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a list of fraudulent itemsthey have failed to comply with federal law. Under 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act, they were legally required to block and delete all identity theft-related accounts and inquiries within 4 business days. Their continued reporting of these items beyond the deadline is a willful violation of the FCRA and constitutes negligent noncompliance under 15 U.S.C. 1681n and 1681o. They have no legal basis to continue publishing this fraudulent data.

PLEASE SEE ATTACHMENTS BELOW!

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 2025-07-10 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:
Company is reporting inaccurate late payments and charge-offs not in accordance with the FCRA lawful requirement of maximum accuracy. 

Under 15 U.S. Code 1666b -Timing of payments ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Need proof that each periodic statement was DELIVERED to the to the consumer not later than 21 days before the payment due date.

Income is not reported on a credit report. A charge-off is income per the Internal Revenue Service 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Company is reporting inaccurate late payments and charge-offs not in accordance with the FCRA lawful requirement of maximum accuracy. 

Under 15 U.S. Code 1666b -Timing of payments ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Need proof that each periodic statement was DELIVERED to the to the consumer not later than 21 days before the payment due date.

Income is not reported on a credit report. A charge-off is income per the Internal Revenue Service XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 contacting you to request the immediate correction of an inaccurate late payment reported on my credit file. My records confirm that I fulfilled all payment obligations on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I logged into my Cash App account and found that it had been closed at an unspecified earlier date without any notification to me. Their only form of customer support I was able to access initially was an automated chatbot in their mobile app. I attempted to request an appeal of the closure by messaging the chatbot, but it appears it was not programmed with this functionality. On the third attempt, I was transferred to what appeared to be a human agent who stated my account " was closed because of suspected gambling that goes against [ their ] Terms of Service ''. I have never gambled, with funds connected to this account or otherwise, and I am unaware of any other terms of service that my use of the service violated, so I again requested an appeal and was asked to provide additional information along with my email. After I provided this information, the agent thanked me and said my appeal would be transferred to the appropriate team and the review may take up to 10 business days, but I would be notified as soon as it was complete. 

On XX/XX/year>, I received an email from Cash App Support stating that " We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service. '' I replied to the email asking for elaboration on the violation of the terms of service and the reason for the account closure, but the reply I received to that stated " We encourage you to take a look to our Terms of Service, particularly the section IX " Virtual Currency Services '' subsection 12. '' Paragraph 12b includes the sentence " We are under no obligation to disclose the details of our decision to take such action with you. '' As I understand, this means my request for further information was implicitly denied via a reference to their ToS. 

Although the experience I had with Cash App was technically not a violation of their own terms of service on their part, I believe this is very unprofessional and has lowered my trust in the company considerably. Researching online, I found many similar recent reports of account closures that took users by surprise with their appeals swiftly denied in a similar fashion. This makes me suspect systemic problems in Cash App 's moderation that they are refusing to do anything to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I recently reviewed my TransUnion credit report on XX/XX/year>, and discovered multiple hard inquiries that I did not authorize. These inquiries include : XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> I did not apply for credit with any of these companies and never gave them permission to perform a hard inquiry on my report. I also have reason to believe that my personal information may have been compromised due to a data breach, which could explain the unauthorized activity. 

I sent dispute letters requesting the removal of these inquiries and asked for documentation proving I gave consent. So far, none of the companies have responded or provided any proof. 

Under the Fair Credit Reporting Act ( FCRA ), these inquiries are considered unauthorized unless verified, and I am requesting that they be removed. Ive already attempted to resolve this with the credit bureaus and am now filing this CFPB complaint to document the issue and request further investigation.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or permission, and I believe they are the result of either identity theft or fraudulent activity. I am requesting an immediate investigation and removal of these inquiries, as required by federal law. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. The presence of unauthorized and inaccurate hard inquiries on my credit report violates this provision. 

Furthermore, under 15 U.S. Code 1681i ( a ), I am entitled to dispute inaccurate or incomplete information, and the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If the information can not be verified, the law under 15 U.S. Code 1681i ( a ) ( 5 ) requires that it be deleted promptly. 

Below is a list of inquiries I am disputing as unauthorized : Inquiries to be Removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and do not reflect any credit applications I submitted. If the companies involved can not produce direct, documented proof of my authorization for these inquiries, they must be removed in accordance with the Fair Credit Reporting Act. 

Please consider this letter a formal dispute and demand for investigation as well as deletion of all unauthorized inquiries listed above. I have also filed an FTC Identity Theft Report, and will include supporting documentation upon request, including a copy of my ID and proof of address. 

If you do not remove these inquiries or fail to respond within the legal timeframe, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and consider pursuing legal remedies under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance. 

I expect written confirmation of your investigation and its outcome within the 30-day window required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am submitting this complaint as a second-round dispute regarding a bankruptcy account that continues to be inaccurately reported on my credit file. Despite a previous dispute submitted in good faith, the credit reporting agencies have failed to provide verifiable proof that the information is accurate and complete, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ). 

The bankruptcy listing is either outdated, inconsistent with my public court records, or unverifiable. According to the FCRA, consumer reporting agencies must ensure that all information on credit reports is accurate, and they are legally obligated to conduct a reasonable reinvestigation when a consumer files a dispute. However, the bureaus have continued to report this account without properly validating the data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have filed 2 disputes with Goldman Sachs for 2 charges with XXXX one was for {$1600.00} and one for {$760.00} both reasons misrepresented goods. Goldman Sachs approved the {$1600.00} after 2 denials but have denied the {$760.00} 3 times. Make that make sense? You approve one and not the other and the dispute is for the very same reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am a victim of identity theft. Two accounts were added to my credit file without my authorization or consent. One is an XXXX authorized user account, and the other is a XXXX XXXX XXXXXXXX XXXX joint account. I never applied for, used, or benefited from these accounts. 

I submitted an FTC Identity Theft Report, a notarized affidavit of identity theft, a copy of my ID, and proof of address to the credit bureaus under FCRA 605B, which legally requires the accounts to be blocked within 4 business days. Despite this, the accounts have not been removed. These accounts are harming my credit report and were added without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief