vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, TransUnion, and Equifax contain multiple inaccurate, unverifiable, and outdated negative entries in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These reports include false charge-offs, collection accounts, and federal student loan entries that are either inaccurate, not properly validated, or should have been removed. Specifically, accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are being reported as charged-off or delinquent even though they were closed, resolved, or lack verified documentation from the original creditor.

Additionally, my federal student loans ( Department of Education / XXXX ) are still being reported even though I am a 100 % service-connected XXXX veteran. Under the Higher Education Act ( 20 U.S.C. 1087 ( a ) ) and 34 C.F.R. 685.213 ( b ), I am legally entitled to a Total and Permanent Disability ( TPD ) discharge, which cancels all federal student loan obligations. These loans should have been fully removed from my credit file and not reported in any capacity.

The credit bureaus are reporting these items inaccurately and have failed to ensure maximum possible accuracy as required by FCRA 607 ( b ). Continued publication of these errors after formal dispute constitutes willful noncompliance under FCRA 616617.

I am requesting a full reinvestigation and permanent deletion of all inaccurate and unverifiable accounts, along with updated, corrected credit reports sent to me in writing.

I have attached copies of my dispute letter, credit reports, and VA XXXX verification for review.

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 2025-10-10 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, TransUnion, and Equifax contain multiple inaccurate, unverifiable, and outdated negative entries in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

These reports include false charge-offs, collection accounts, and federal student loan entries that are either inaccurate, not properly validated, or should have been removed. Specifically, accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are being reported as charged-off or delinquent even though they were closed, resolved, or lack verified documentation from the original creditor.

Additionally, my federal student loans ( Department of Education / XXXX ) are still being reported even though I am a 100 % service-connected XXXX veteran. Under the Higher Education Act ( 20 U.S.C. 1087 ( a ) ) and 34 C.F.R. 685.213 ( b ), I am legally entitled to a Total and Permanent Disability ( TPD ) discharge, which cancels all federal student loan obligations. These loans should have been fully removed from my credit file and not reported in any capacity.

The credit bureaus are reporting these items inaccurately and have failed to ensure maximum possible accuracy as required by FCRA 607 ( b ). Continued publication of these errors after formal dispute constitutes willful noncompliance under FCRA 616617.

I am requesting a full reinvestigation and permanent deletion of all inaccurate and unverifiable accounts, along with updated, corrected credit reports sent to me in writing.

I have attached copies of my dispute letter, credit reports, and VA XXXX verification for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After review of my credit report, I have found addresses that do not belong to me. I have also found numerous amount of inquiries on my report that I did not authorize or inquire at all. Experian Trans Union and Equifax have been sued so many times for bad investigations, data, breaches, and so forth and so on and these things that are on my report should not be here. I did not authorize any of them.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint against TransUnion for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / Credit Limit : {$300.00} Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / Credit Limit : {$500.00} Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within XXXX  days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the XXXX period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
I deposited a check in my chime account 3 years ago they close my account days later after depositing the money. I had already had money in my account they didnt give me my money back at all basically ran off with my funds that was in my account already I want to sue chime in got my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block, Inc. ) due To inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
Cash app XX/XX/XXXX I was sent money And soon after cash closed my account without my knowledge, any forewarning and with a positive I had money in there. 
I try and try and try to get a hold of him but you couldn't back then and so somebody told me that to create another cash app account and you'll be able to get a hold of support maybe they can help you that way. 

XX/XX/XXXX So I did that and sure enough I created another account I got a hold of cash out support and we started again. 
I submitted my driver 's license, Social security card, bank statements with my address and was told it would take a while but they would get back to me. 
XXXX I'm have summited complaints, went to the web and have been searching for an answer to why I can't get my money from Cash.app Finally here last week XX/XX/XXXX somebody assigned a complaint and I thought this was going to go somewhere. But once again I got the email they have reviewed everything and they make the final decisions and it just stands we're not reopening your account. I don't want my account reopen. I would never do business with cash app again. I just want my money out of the account that they closed without my knowledge and why somebody won't tell me how you do that how do you take somebody's money and then say well I'm sorry you violated terms that's no longer valid. 
That's like you mortgaging a home or getting a mortgage for a home one day you come home and you can't get in your house. Doors locked everything all your stuff 's in there so you call the mortgage broker mortgage company, and say hey why can't I get in my house. 
Mortgage company says well you violated the terms of our agreement so I'm sorry you no longer allowed now. But your stuff 's in there and they won't let you in. And you ask the mortgage company what did I do well you violated the term! What terms what time did I violate well I'm sorry the case is closed you can feel if you like. And then I would ask a few what I didn't know why did anything wrong, you didn't tell me. Well I'm sorry all it's all final that's the way it is.

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

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-10 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: LA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and damaging information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following errors were identified in my credit report : XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment inaccurately reported despite the account showing a {$0.00} balance. This is a clear reporting error and misrepresents my payment history. 

XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Unauthorized/inaccurate inquiry. I did not authorize or initiate this inquiry. This is a violation of my rights under the FCRA, as unauthorized inquiries negatively impact my creditworthiness. 

These inaccuracies are causing harm to my credit profile, financial reputation, and ability to obtain credit on fair terms. 

Under the FCRA ( Section 609 and Section 611 ), I am requesting the following : Immediate investigation and removal of the inaccurate late payment entry from XXXX XXXX. 

Immediate removal of the unauthorized XXXX inquiry dated XX/XX/XXXX. 

Written confirmation of corrective actions taken. 

If these errors are not resolved promptly, I am prepared to escalate this matter further, including potential legal remedies under FCRA Section 616 and Section 617 for willful and negligent non-compliance.

I request that the CFPB require the furnisher ( s ) and credit reporting agencies to provide full validation of these accounts/inquiries, or else remove them immediately.

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

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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

Complaint narrative:
I do not agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are severally injuring my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

SEND COPY OF THE FOLLOWING : ( XXXX  XXXX  ACCT # 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 2025-10-10 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: OH

Complaint narrative:
am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) due to confirmed identity theft and data exposure, which has resulted in inaccurate and fraudulent reporting across all three credit bureaus TransUnion, Experian, and Equifax. 

I have already filed a complete FTC Identity Theft Report through IdentityTheft.gov and submitted documentation including : Proof of my identity and address A XXXX XXXX breach notification letter dated XX/XX/XXXX, confirming my name and SSN were exposed A TransUnion breach letter confirming that my information was also compromised through their system Screenshots of inaccurate tradelines and reporting errors across all three bureaus Despite meeting all legal requirements under 605B, TransUnion failed to block and delete fraudulent and inaccurate information within four ( 4 ) business days and instead re-verified a XXXX  and multiple tradelines. 

The following accounts continue to be reported incorrectly or fraudulently across one or more bureaus : XXXX XXXX XXXX XXXX Closed XX/XX/XXXX ; still reporting inaccurately XXXX Closed XX/XX/XXXX ; marked derogatory despite {$0.00} balance XXXX XXXX XXXX Balance {$16000.00} ; inconsistent or false late-payment reporting XXXX  Closed XX/XX/XXXX with {$0.00} balance ; still marked XXXX Days XXXX  and Derogatory False XXXX Re-verified by TransUnion in violation of 605B ( b ) These entries are either inaccurate, obsolete, or the result of identity theft exposure from the referenced data breaches. All three credit bureaus are required under FCRA 605B, 611, and 623 to block, delete, or correct these items

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 2025-10-10 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: OH

Complaint narrative:
am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) due to confirmed identity theft and data exposure, which has resulted in inaccurate and fraudulent reporting across all three credit bureaus TransUnion, Experian, and Equifax. 

I have already filed a complete FTC Identity Theft Report through IdentityTheft.gov and submitted documentation including : Proof of my identity and address A XXXX XXXX breach notification letter dated XX/XX/XXXX, confirming my name and SSN were exposed A TransUnion breach letter confirming that my information was also compromised through their system Screenshots of inaccurate tradelines and reporting errors across all three bureaus Despite meeting all legal requirements under 605B, TransUnion failed to block and delete fraudulent and inaccurate information within four ( 4 ) business days and instead re-verified a XXXX  and multiple tradelines. 

The following accounts continue to be reported incorrectly or fraudulently across one or more bureaus : XXXX XXXX XXXX XXXX Closed XX/XX/XXXX ; still reporting inaccurately XXXX Closed XX/XX/XXXX ; marked derogatory despite {$0.00} balance XXXX XXXX XXXX Balance {$16000.00} ; inconsistent or false late-payment reporting XXXX  Closed XX/XX/XXXX with {$0.00} balance ; still marked XXXX Days XXXX  and Derogatory False XXXX Re-verified by TransUnion in violation of 605B ( b ) These entries are either inaccurate, obsolete, or the result of identity theft exposure from the referenced data breaches. All three credit bureaus are required under FCRA 605B, 611, and 623 to block, delete, or correct these items

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

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-10 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: LA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-10 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: LA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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