vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
There are fraudulent collections from XXXX XXXX XXXX on my credit report. This is not my account. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and Police Report. See attached documents. I request to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am writing to dispute inaccurate information in my TransUnion credit report. The following accounts reflect incorrect data, and I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). Additionally, I suspect that a data breach XXXX have compromised the accuracy of my personal information. 
Personal Information : Name : XXXX XXXX Former Name ( s ) : [ Any former names you have used ] Also Known As : [ Any known aliases ] Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : [ Your Previous Address ] Date of Birth : XX/XX/year> Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive o Balance : {$0.00} o Date Opened : [ Date ] o Issue : Incorrect payment history. 
FCRA Violations : o Section 609 ( a ) ( 1 ) - Inaccurate reporting of account status. 
o Section 611 ( a ) - Failure to correct inaccuracies. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX o Account Status : Open o Balance : {$190.00} o Date Opened : XXXX o Issue : Inaccurate reporting of account status. 
FCRA Violations : o Section 609 ( a ) ( 1 ) - Incorrect reporting of account status. 
o Section 623 ( a ) ( 1 ) - Failure to provide accurate account details. 
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  Account Status : Closed o Balance : {$2600.00} o Date Opened : XXXX o Issue : Incorrect late payment status. 
FCRA Violations : o Section 609 ( a ) ( 1 ) - Incorrect late payment reporting. 
o Section 611 ( a ) - Failure to properly investigate and correct. 
Inquiries and Public Records : Please review the inquiry made by XXXX XXXX XXXX for unauthorized access to my credit. 
FCRA Violations : Section 604 ( a ) ( 2 ) - Unauthorized credit report inquiries.

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 2025-11-17 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: TX

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-17 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: MI

Complaint narrative:
XXXX collection accounts are reporting inaccurately on all three credit bureaus ( Experian, Equifax, and TransUnion ). I disputed these accounts, but they were not properly investigated or corrected. Under FCRA 611 ( 15 U.S.C. 1681i ) I have the right to a complete and reasonable reinvestigation. Under FCRA 607 ( b ) furnishers and bureaus must report information with maximum possible accuracy. These accounts are not being properly verified

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 2025-11-17 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: NC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It fails to capture my genuine financial viewpoint.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: PA

Complaint narrative:
CFPB Complaint Summary : XXXX XXXX  Data DenialCompany Involved : Blockchain.com ( Blockchain, Inc. ) Product/Service : Money transfer, virtual currency, or money serviceType of Problem : Money was not available when promised / Confusing or missing disclosuresSummary of ComplaintI am filing this formal complaint because Blockchain.com has repeatedly failed to comply with requests for archival data and compliance documentation related to a legacy wallet from the Blockchain.info era.DetailDescriptionInitial Account SetupWallet created on XX/XX/XXXX. Second associated wallet created in XXXX XXXX XXXX documentation suggests a balance of XXXX XXXX XXXX XXXX XXXX was expected/archived XXXX the XXXX period ( via the company 's referral program ). The funds were initially transferred through historical XXXX integrations, including XXXX and XXXX, between XXXX and XXXX Action Taken ( XXXX XXXX ) I submitted a formal request to Blockchain.com Support ( Ticket # XXXX ) seeking archived records and their data retention policy for XXXX users.Company ResponseSupport representatives repeatedly denied the request, stating they can not access the funds because the wallets are " non-custodial. '' This reply does not address my request for archival metadata or compliance policy.Information Requested and DeniedI specifically requested a written confirmation of the Data Retention and Deletion Policy for legacy user archives and the contact information for their Compliance Officer. The company provided NO such information.Regulatory ContextThis lack of data access is critical, as a separate regulatory body ( XXXX, XXXX ) has issued a warning that the former entity 's identity is being misused in a fraud scheme. The company 's refusal to provide archival data or policy clarification prevents me from fully resolving this historical security matter.I require the CFPB to mandate that Blockchain.com Compliance provides a formal written statement addressing their data retention policy for XXXX accounts and an explanation for the denial of access to archival metadata.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because I need the CFPBs help to finally fix these issues now. Equifax has repeatedly failed to correct the inaccurate and outdated information on my credit report, and I am asking the CFPB to step in and make sure these corrections are done immediately. I have already filed a complaint with the Attorney General, yet the issues remain unresolved, which is why I am escalating this to the CFPB. Equifax is still reporting false late payment entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts need to be updated to Paid as Agreed or OK, not deleted. Equifax has had more than enough time to correct these errors, and it is unacceptable that they continue to report wrong information. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which require accuracy and proper maintenance of consumer information. Their failure to comply is hurting my credit, causing financial stress, and affecting my well-being. I should not have to keep disputing the same errors over and over. 
I want this resolved immediately and permanently. If Equifax still refuses to fix these inaccuracies, I will escalate this even further and pursue all available remedies. I also attempted to file an FTC Identity Theft Report, but the FTC website is currently down, preventing me from submitting it. Because of this, I am relying on the CFPB to step in, enforce the law, and require Equifax to correct my late payment reporting and ensure that only accurate and up-to-date information appears on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-11-17 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-17 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am disputing a collection account related to an insurance policy that I cancelled with XXXX XXXX. I drive a XXXX  XXXX XXXX and my monthly premium unexpectedly increased to over {$1200.00} which I could not afford. I called XXXX XXXX and requested cancellation, and I immediately switched to another insurance provider. Despite my cancellation request, XXXX XXXX continued billing me for coverage I did not receive or authorize. The balance they reported ( {$1200.00} ) is inaccurate and should not have been sent to collections. This collection is now preventing me from obtaining required auto insurance. XXXX XXXX has not provided any documentation proving that I agreed to continue coverage or that I owe this amount. I am requesting CFPB assistance to have this inaccurate collection removed or corrected.

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 2025-11-17 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: IL

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-17 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-17 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: TX

Complaint narrative:
I am disputing the following accounts and inquiries reporting on my TransUnion file. Several items show potential inaccuracies, lack of proper verification, or inconsistent reporting compared to other bureaus. Under the FCRA, only accurate and fully verifiable information XXXX be reported. Please reinvestigate these items and delete those that can not be verified. 

CHARGED OFF XXXX XXXX, XXXX * *, XX/XX/XXXX, {$15000.00} XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX * * * *, XX/XX/XXXX, {$4700.00} INQUIRIES XXXX XXXX, XX/XX/XXXX Inquiry under dispute as unauthorized unless the furnisher can validate permissible purpose. 

POSITIVE None to dispute. 

LATE PAYMENT XXXX XXXXXXXX, XXXX * * * * This late payment is inaccurate or unverifiable and should be removed if proper verification can not be supplied.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
RENTDEBT AUTOMATED COL is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTDEBT AUTOMATED COL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation