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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX. XXXX - XX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXX XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! 
XXXXXXXX XXXX XXXX XXXX  - Please verify that this inquiry is reporting accurately on my report now! 

Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect Incorrect Name- XXXX, XXXX, XXXX - The following personal information is incorrect Incorrect DOB - XX/XX/XXXXXXXX  - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, SC, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX, SC, XXXX - The following personal information is incorrect EMPLOYER - XXXX XXXX XXXX  - The following personal information is incorrect EMPLOYER - XXXX XXXX XXXX XXXX  - The following personal information is incorrect XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am demanding the permanent deletion of the inaccurate and unverified account listed below from my credit report : Account Being Challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  This account is being reported without full validation, without verified permissible purpose, and without compliance to Metro 2 format and FCRA guidelines.

As a consumer, I have the right under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) to dispute any information I believe to be inaccurate, incomplete, or unverifiable. It is your legal duty to investigate each dispute thoroughly and individually, not dismiss it through automated or template-based form responses. Failing to do so constitutes willful non-compliance, which may result in statutory damages under 1681n and 1681o.

Further, the continued reporting of unverifiable, inaccurate data violates FCRA 1681e ( b ), which requires you to maintain maximum possible accuracy. The burden of proof is on the furnisher to show complete documentation supporting the accuracy and legitimacy of this account, including original application, wet signature, billing history, and proof of ownership. 

I also demand full compliance with Metro 2 compliance standards, which regulate accurate data field population and formatting. Based on my review, this account fails to meet those requirements, including field codes related to current status, charge-off indicators, date of first delinquency, and payment rating. 

This is not a blanket dispute. It is a factual, legal, and data integrity challenge. If you are unable to provide verifiable proof within 30 days, including a copy of the original contract with my signature and lawful evidence of account responsibility, then you must permanently DELETE this item from my report as required by federal law. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil action for damages due to willful non-compliance and emotional distress caused by inaccurate reporting. 

I expect written confirmation of your findings, including an updated copy of my credit report reflecting corrections or deletion, mailed to my address.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am demanding the permanent deletion of the inaccurate and unverified account listed below from my credit report : Account Being Challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  This account is being reported without full validation, without verified permissible purpose, and without compliance to Metro 2 format and FCRA guidelines.

As a consumer, I have the right under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) to dispute any information I believe to be inaccurate, incomplete, or unverifiable. It is your legal duty to investigate each dispute thoroughly and individually, not dismiss it through automated or template-based form responses. Failing to do so constitutes willful non-compliance, which may result in statutory damages under 1681n and 1681o.

Further, the continued reporting of unverifiable, inaccurate data violates FCRA 1681e ( b ), which requires you to maintain maximum possible accuracy. The burden of proof is on the furnisher to show complete documentation supporting the accuracy and legitimacy of this account, including original application, wet signature, billing history, and proof of ownership. 

I also demand full compliance with Metro 2 compliance standards, which regulate accurate data field population and formatting. Based on my review, this account fails to meet those requirements, including field codes related to current status, charge-off indicators, date of first delinquency, and payment rating. 

This is not a blanket dispute. It is a factual, legal, and data integrity challenge. If you are unable to provide verifiable proof within 30 days, including a copy of the original contract with my signature and lawful evidence of account responsibility, then you must permanently DELETE this item from my report as required by federal law. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil action for damages due to willful non-compliance and emotional distress caused by inaccurate reporting. 

I expect written confirmation of your findings, including an updated copy of my credit report reflecting corrections or deletion, mailed to my address.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I sent an invoice to XXXX XXXX PAYMENT AGREEMENT This Payment Agreement ( Agreement ) is entered into on this XXXX day of XX/XX/year>, by and between : XXXX XXXX, hereinafter referred to as the Recipient, and XXXX XXXX ( Rapper Celebrity/Promoter ), hereinafter referred to as the Payer. 1. EVENT DETAILS The Payer agrees to secure the services of the Recipient for a three-day event taking place at : Location : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Dates : XX/XX/year> through XX/XX/year> XXXX. PAYMENT TERMS The total amount due for services rendered over the duration of the event is : Total Amount : {$68000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to supply food for minimum 600 people but possibly be more but not over 1000 ( se invoice from XXXX XXXX ) Payment Method : Invoice via ACH Bank Transfer Due Date : On or before XX/XX/year> 3. AGREEMENT Both parties agree to the terms outlined in this agreement. The Payer acknowledges responsibility for timely payment in full. Any modifications to this agreement must be made in writing and signed by both parties. I Proceeded to vendor the event the client did a ach Bank Transfer which went through for a total payment of {$64000.00} after providing a contract license of client they still have yet to release the funds saying they are worried about it being a charge back. Which the longest they can hold is 90 days and then they release the funds to the merchant. but on this occasion they said they won't release the funds and asked for me to refund the money to the client and take another form of payment such as cash or check. 





And lastly Im XXXX XXXX the owner of XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX. 

See All attachments showing proof of business ownership the licensing, Banking ownership paperwork, Food truck licensing with dba listed. 

They did not respond to the first complaint saying that there was no proof of ownership so enclosed all attachments. I have included valid driver license and social for proof of identification. And I XXXX XXXX Give full consent to Square to share information with CFPB regarding to this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

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 - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal has violated my rights.

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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: MI

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

1681c-2 ) that you, the Experian 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 XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXX XXXX Account Number 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

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally raise a serious concern regarding the manner in which my credit reporting dispute was handled. Specifically, I do not believe that a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ), was conducted in response to my dispute. 



The disputed information contained clear data mismatches that should have rendered it unverifiable. Given the inconsistency and inaccuracy of the data points involved, it would be impossible for any party to reasonably verify the information as accurate. Nonetheless, I was informed that the disputed data had been verified without any substantive explanation or evidence provided. This strongly suggests that no meaningful investigation took place. 



Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. Failing to properly investigate or simply relying on automated or superficial responses from furnishers of information is not sufficient under the law. I believe my rights under the FCRA have been violated as a result.

I am requesting that the CFPB take immediate action to ensure that this matter is investigated thoroughly, and that the credit reporting agency and data furnisher in question are held accountable for failing to comply with federal law. I am also requesting written documentation of any responses provided by the furnisher and the credit bureau in relation to my dispute. 



Please let me know what additional information, if any, is required from me to support this complaint. 



Sincerely,

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: TX

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 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  In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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