vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " re
asonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " re
asonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account 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 INQUIRY, INQUIRY, INQUIRY Details of the Disputed Inquiries Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Details of Personal Information Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AZ

Complaint narrative:
To : Edfinancial Services XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX CC : XXXX  / XXXX  / XXXX  ( send separately to each bureau ) Subject : Formal Credit Reporting Dispute Dear Sir or Madam, I am disputing the negative information being reported on my credit file regarding my federal student loan account serviced by Edfinancial. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2.

Basis of Dispute : 1. No Knowledge of Account I had no knowledge of this student loan account until XX/XX/year>. I never received any documentation, billing statements, or other required communications that would have notified me the loan was in repayment. 
Once I became aware of the existence of these loans, I immediately created an online account and brought my loan status current. I have remained current since that time. This clearly demonstrates my intent to maintain good standing and that the prior delinquency was due to lack of notice, not negligence. 
XXXX. Lack of Adequate Notification Edfinancial claims to have sent electronic correspondence to an online account inbox and via email. I never received these communications, nor was I aware that my account had entered repayment status. 
Sending information to an internal inbox or via email that I never received does not constitute adequate or verifiable notice. Unless I receive legally certified notice, I can not be expected to act. 
XXXX. Misleading and Incomplete Reporting While the servicer may argue that the delinquency dates are accurate, the FCRA requires that reporting be complete, fair, and not misleading. 
Reporting my account as delinquent when I had no reasonable knowledge of its existence creates a materially misleading impression of my creditworthiness. 
4. Failure to Provide Proof of Actual Notice Edfinancial has not demonstrated that I ever received actual notice of repayment or delinquency. Simply claiming that notices were sent electronically is insufficient verification. Unless proper notice can be proven, the reported delinquencies are inaccurate and must be corrected or removed. 
XXXX. Unreasonable Exception Criteria Edfinancials stated qualifications for removing negative reportingsuch as death, serious illness, or service in certain programsare unreasonably restrictive. These criteria do not account for situations where a borrower, like myself, had no knowledge of the loans existence and was never provided adequate notice.

Reporting a delinquency under these circumstances is misleading and unfair because it punishes borrowers for circumstances entirely beyond their control, which conflicts with the FCRAs requirement that reporting be accurate, complete, and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Company Information : Company : Cash App ( Square , Inc. ) Contact Info : XXXX Complaint Details : I am writing to file a complaint about the closure of my Cash App account. It has been almost a year since my account was closed under the suspicion of illegal activity. I have repeatedly reached out to Cash App support, and each time I am told that my account is under review and that I will receive an update within 30 days. However, these reviews have consistently taken longer, and I have not received a satisfactory resolution. 

The only activity related to the alleged suspicion was a visit to a legal shooting range, and I believe that this should not be grounds for account closure. This prolonged freeze on my account has caused significant inconvenience and financial disruption. 

Requested Resolution : A thorough and prompt review of my account. 
Reinstatement of my account and access to my funds. 
A clear explanation of the reasons for the closure. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account 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 INQUIRY, INQUIRY, INQUIRY Details of the Disputed Inquiries Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Details of Personal Information Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
I am submitting a formal dispute of several inaccurate items currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full reinvestigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX, PA XX/XX/XXXX XXXX XXXX XXXX PA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2025, I submitted written disputes to Experian, Equifax, and TransUnion regarding inaccurate and fraudulent information on my credit reports. I included proper identification, proof of address, and my Social Security details. 

Despite this, the credit bureaus failed to conduct a lawful reinvestigation : Experian mailed me only a generic copy of my credit report, without addressing the items I disputed. 

Equifax made balance updates but left inaccurate information in place. 

TransUnion continues to report false personal information and unauthorized inquiries.

None of the bureaus provided a valid Method of Verification ( MOV ).

Disputed Items Incorrect personal information ( addresses, names, and phone number not belonging to me ). An account inaccurately showing a late payment even though it wa
s current.

Unauthorized credit inquiries reported by Equifax and TransUnion.

Violations The credit bureaus actions violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 611 Failure to conduct a lawful reinvestigation.

15 U.S.C. 605B Failure to block fraudulent or disputed information.

15 U.S.C. 607 ( b ) Failure to ensure maximum possible accuracy of my consumer file. 

I am requesting the CFPB to investigate these failures, ensure the disputed and fraudulent information is corrected or removed, and hold the credit reporting agencies accountable for their non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2025, I submitted written disputes to Experian, Equifax, and TransUnion regarding inaccurate and fraudulent information on my credit reports. I included proper identification, proof of address, and my Social Security details. 

Despite this, the credit bureaus failed to conduct a lawful reinvestigation : Experian mailed me only a generic copy of my credit report, without addressing the items I disputed. 

Equifax made balance updates but left inaccurate information in place. 

TransUnion continues to report false personal information and unauthorized inquiries.

None of the bureaus provided a valid Method of Verification ( MOV ).

Disputed Items Incorrect personal information ( addresses, names, and phone number not belonging to me ). An account inaccurately showing a late payment even though it wa
s current.

Unauthorized credit inquiries reported by Equifax and TransUnion.

Violations The credit bureaus actions violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 611 Failure to conduct a lawful reinvestigation.

15 U.S.C. 605B Failure to block fraudulent or disputed information.

15 U.S.C. 607 ( b ) Failure to ensure maximum possible accuracy of my consumer file. 

I am requesting the CFPB to investigate these failures, ensure the disputed and fraudulent information is corrected or removed, and hold the credit reporting agencies accountable for their 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 non-monetary relief
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I have recently received an alert that a collection account was added to my credit report by your company, the account is inaccurate the account is listed as XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Original company is listed as XXXX, ( also known as XXXX  ) this account was reported in error as I do not owe this debt and still currently have an account with XXXX, I have attached documentation as verification. 
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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) and Capital One Auto Finance ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX ) regarding my auto loan from a XX/XX/XXXX vehicle purchase. 

Here are the facts : I had a valid Capital One Auto XXXX pre-qualification offer, good through XX/XX/XXXX, at 8.54 % APR, which represented that I would be financing directly with Capital One. 

At the dealership, I signed a Retail Installment Sale Contract ( RISC ) on XX/XX/XXXX ( IN-102 form ) at 8.52 % APR. 

The next day, on XX/XX/XXXX, a second RISC ( LAW 553-IN-e form ) was generated electronically as my Customer Completed Copy. This version also showed 8.52 % APR, but placed the {$25.00} fee in a different disclosure section and included different assignment language. 

The XX/XX/XXXX contract bears my electronic signature dated XX/XX/XXXX, even though the document did not exist until XX/XX/XXXX. I never executed this contract it was created after consummation and backdated. 

The assignment clauses differ : one directly assigns to Capital One Auto Finance, the other vaguely states the dealer may assign and retain finance charges, while including the FTC Holder Rule.

Capital One has acted as servicer, but refuses to disclose securitization into Capital One Prime Auto Receivables Trust XXXX, where the receivables were likely transferred. 

On XX/XX/XXXX, Capital One responded to my document request with only a payment ledger and a cease-and-desist, refusing to provide assignment, securitization, or dealer compensation records. 

I am now facing a replevin lawsuit where Capital One seeks to repossess my vehicle using the XX/XX/XXXX Customer Completed Copy, ( see system generated time and date stamp at the footnotes of the agreement ) This lender is suing me in replevin to take my car using a contract that was not the one I signed at closing. The version they seek to enforce was system-generated after the fact, backdated with my electronic signature, and contains different disclosure terms. This is deceptive and unlawful under TILA, UDAP, and Indiana law.

Violations : Truth in Lending Act ( TILA ) : inconsistent APRs, dual RISCs, and altered disclosures after consummation.

Unfair and Deceptive Acts and Practices ( UDAP ) : misrepresenting Capital One as the originating lender ; concealing dealer kickbacks and securitization.

Breach of Contract : attempting to enforce a system-generated, backdated contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation