vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
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.

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-08-14 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: MI

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2025-08-14 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-08-14 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: CBC Companies, Inc.
State: LA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Innovis Data Solutions , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE - MULTIPLE FCRA VIOLATIONS Dear Innovis Data Solutions , This letter serves as formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demands immediate corrective action. Your company has engaged in a pattern of non-compliance that requires immediate remedy.

1. I have filed legitimate complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my credit report.

2. Rather than conducting proper investigations as required by law, Innovis has improperly marked my individual, legitimate complaints as duplicates.

3. My credit file contains multiple inaccuracies that have not been corrected despite my disputes.

SPECIFIC FCRA VIOLATIONS VIOLATION 1 : FAILURE TO CONDUCT REASONABLE REINVESTIGATION Legal Basis : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) N You have failed to conduct reasonable reinvestigations of disputed information Marking legitimate complaints as duplicates constitutes failure to investigate disputes in good faith This violates your mandatory duty to investigate disputes within 30 days VIOLATION 2 : MAINTAINING INACCURATE INFORMATION Legal Basis : 15 U.S.C. 1681e ( b ) My credit file contains the following inaccuracies that must be corrected : Incorrect Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Missing Phone Number : No current phone number on file Unauthorized Inquiries : Including but not limited to XXXX XXXX XXXX XXXX XXXX XXXXXXXX without permissible purpose VIOLATION 3 : IMPROPER INVESTIGATION PROCEDURES Legal Basis : 15 U.S.C. 1681i ( a ) Your practice of automatically marking disputes as duplicates violates procedural requirements You have failed to provide me with the results of reinvestigations You have failed to notify furnishers of disputed information as required VIOLATION 4 : FAILURE TO PROVIDE REQUIRED NOTIFICATIONS Legal Basis : 15 U.S.C. 1681i ( a ) ( 6 ) & ( 7 ) You have failed to provide written notice of investigation results You have failed to provide notice of deletion when information is removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
Company alleges debt that's been off set by in proper accounting

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 2025-08-14 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Star Loans of Texas, Inc.
State: TX

Complaint narrative:
Subject : Failure to Conduct a Reasonable Investigation Star Loans Dear CFPB, This is a follow-up to my prior complaint against Star Loans for inaccurate and unlawful credit reporting. In their response, Star Loans claimed they have not received any notification of my XXXX  and did not correct the tradeline. 

This response fails to meet their obligations under the Fair Credit Reporting Act ( FCRA ) and the CFPBs own enforcement standards.

Key Issues : 1. Failure to Conduct a Reasonable Investigation Under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute from a consumer reporting agency or directly from the consumer, a furnisher must : Conduct a reasonable investigation based on the information provided, Review all relevant information supplied, and Delete or modify inaccurate or unverifiable information.

Star Loans statement that they simply did not receive notice from a XXXX  court or attorney is not a reasonable investigation under the law. They were placed on notice through this complaint and have a duty to verify the accounts accuracy from their own records not to rely solely on whether they were contacted by a third party.

2. Continuing to Report Inaccurate Information Star Loans continues to report this account as a charge-off with a balance due, which is false and misleading given my lack of personal liability for the debt. This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information a furnisher knows or should know is inaccurate.

3. Potential XXXX  Code Violation If the account relates to a discharged debt, continued reporting as due or charged-off after the discharge date may also constitute a violation of the discharge injunction under 11 U.S.C. 524 ( a ) ( 2 ), which prohibits acts to collect discharged debts, including negative credit reporting as leverage.

Requested Resolution : 1. That the CFPB compel Star Loans to either : Verify the accounts legal enforceability and accuracy from their own business records, or Delete the tradeline in its entirety from all consumer reporting agencies.

2. That the CFPB determine whether Star Loans investigation met the statutory standard under the FCRA, and if not, take appropriate enforcement action to ensure compliance. 

Star Loans is required by federal law to investigate based on the information provided in a dispute and can not avoid this obligation by claiming lack of notice from third parties. Their refusal to correct or delete the inaccurate tradeline constitutes willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I checked into a hotel booked through XXXX, which required a refundable deposit of {$120.00}. I checked out on XX/XX/year>, and the hotel confirmed they released the deposit back to my payment method. XXXX also confirmed the release. 

Between XX/XX/year>, and XX/XX/year>, I contacted Cash App support multiple times. Each time, their representatives stated the funds had been released to my account and instructed me to wait XXXX business days for the deposit to appear. That timeframe has passed, and the funds remain unavailable. 

I have written confirmation from both the hotel and XXXX showing the deposit was released, along with records of my communications with Cash App. Despite this, no resolution has been provided. I am requesting immediate release of the {$120.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-14 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XX/XX/XXXXXXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$2400.00} XXXXXX/XX/XXXXXXXX Balance : {$440.00} XX/XX/XXXXXXXX XXXX : {$320.00} XX/XX/XXXXXXXX Balance : {$67.00}

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 2025-08-14 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, Equifax 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX High Balance : {$3500.00} Account Number : XXXX Date : XX/XX/year> Duration : 7 years XXXX High Balance : {$35000.00} Account Number : XXXX Date : XX/XX/year> Duration : 7 years These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Ive disputed these discrepancies XX/XX/XXXX with the following bureaus ( XXXX XXXX XXXX ) with hopes for resolving the XXXX Discover card has XXXX different reports. 
The differences between XXXX XXXX XXXX demonstrate a clear violation of this provision, as both can not be accurate at the same time for the same account.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving notice of a dispute, a consumer reporting agency is required to conduct a reasonable reinvestigation and complete it within 30 days, correcting or deleting the information as necessary. 

Item XXXX XXXX Last Reported Date XX/XX/XXXX XX/XX/XXXX On-Time Payment XXXX XXXX XXXX XXXX XXXX Minimum Monthly Payment ( XXXX  ) {$0.00} XX/XX/XXXX Payment Status Late ( XXXX ) Symbol Key Provided? 
No Yes ( XXXX XXXX Also there isnt and account number for This Discover card making even harder To identify

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am disputing inaccurate, incomplete, and unverifiable information appearing on my credit reports from all three nationwide credit reporting agencies, dated XX/XX/XXXX. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these agencies have reported multiple errors, including incorrect personal information, outdated addresses, inconsistent account data, and unauthorized hard inquiries.

The issues include : 1. Incorrect Personal Information Name variations not my legal name : XXXX XXXX XXXX and XXXX XXXX ( missing last name ). 
Outdated addresses : XXXX XXXX XXXX, XXXX NC XXXX and XXXX XXXX XXXX, XXXX NC XXXX no active accounts linked. 
FCRA Violations : 609 ( a ) ( 1 ), 611 2. Negative and Potentially Inaccurate Accounts XXXX XXXX reporting with inconsistent balances and dates ; possible re-aging. ( 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) XXXX XXXX XXXX with illegal monthly CO updates and inconsistent dates. ( 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) XXXX XXXX XXXX XXXX  Conflicting status ( Paid in full less than full balance vs Charge-off ). ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX Late payment history inconsistent across bureaus ; unverifiable. ( 611 ( a ), 623 ( b ) ) XXXXXXXX XXXX XXXX XXXXXXXX / XXXX Multiple student loans with no signed Master Promissory Note ( MPN ) or proof of chain of custody ; unverifiable balances. ( 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Conflicting statuses across bureaus ; unverifiable. ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX Inaccurate late payment ( XX/XX/XXXX days ) for short-term loan ; possible Statute of Limitations violation. ( 605 ( a ), 623 ( a ) ( 1 ) ( A ) ) 3. Reporting Discrepancies XXXX  XXXX ( Multiple Cards ) Incomplete bureau reporting ; missing data violates accuracy requirement. ( 623 ( a ) ( 1 ) ( A ) ) REGIONAL FINANCE Closure date discrepancy across bureaus. ( 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX ( Older Loans ) Accounts from XXXX still showing XXXX update dates ; possible re-aging. ( 605 ( a ) ) 4. Unauthorized Hard Inquiries I did not authorize these creditors to access my credit file. Reporting them violates FCRA 604 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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