vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: MS

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report, as the reported information is inaccurate and incomplete. The account details are as follows : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Additionally, I am disputing the following late payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: WI

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
The XXXX account ( Account Number : XXXX ) has been reported on my credit file without my consent. Despite my previous disputes, this unauthorized account remains on my report. The fact that this account was reported without my authorization is not only frustrating, but also a blatant violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681b ( 2 ), an account can only be reported if the consumer has authorized it or if it falls within the permissible purpose, such as credit underwriting. This account was reported on my credit file without my consent, and no verification has been provided to show that I authorized this. This is not just an error ; its a violation of the FCRA, and it is damaging my credit and reputation. I have already filed an FTC report regarding this unauthorized account, yet it remains unresolved. I am now filing this complaint with the CFPB in hopes of having the issue properly addressed. I demand that the XXXX account be removed immediately from my credit file, and I expect you to provide evidence of authorization for any accounts reported under my name. If you can not provide such evidence, the account should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
b'I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission (FTC) XXXX  as supporting evidence for my claim.\nAccording to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four (4) business days.\nThe following information on my credit report is the result of identity theft and must be blockedXXXX 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 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 XXXXAs outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.\nI have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise.\nPlease help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: WI

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 have no association with these accounts, which must be deleted within 15 days according to USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The following accounts were created or maintained under coercion and identity misuse. These entries are inaccurate, do not belong to me, and continue to cause harm to my personal and financial reputation. 

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$6200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} I am requesting that TransUnion immediately block and delete all of the above information in full compliance with FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once the actions are completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Request for Investigation and Full Deletion of Illegal Re-Aging and Repeated Charge-Off Reporting XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ) To the Consumer Financial Protection Bureau, I am filing this complaint regarding the account XXXX XXXX XXXX XXXX XXXX Account Number XXXX, which is being reported inaccurately and unlawfully on my credit reports. 

1. Summary of the issue This creditor is repeatedly reporting monthly Charge Off entries from XXXX to XXXX, even after the vehicle was surrendered. 
This constitutes illegal re-aging, misreporting, and a violation of federal credit reporting laws. 

2. Violations of the law The creditors actions violate the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 623 ( a ) ( 5 ) prohibits altering or re-aging the Date of First Delinquency and prohibits repeated re-reporting of Charge Offs.

FCRA 602 information furnished must be fair, accurate, and not misleading.

FCRA 607 ( b ) requires maximum possible accuracy in credit reporting.

Reporting multiple monthly Charge Offs is false, misleading, and unlawful.

A Charge Off can only be reported once, not repeatedly. 

3. Harm caused These illegal updates are significantly damaging my credit, causing : Lower credit scores Denial of credit opportunities Emotional and financial stress 4. What I am requesting In accordance with the FCRA, I respectfully request : A full investigation into this account Immediate removal of ALL repeated Charge Off entries Complete deletion of the entire account from Experian, Equifax, and TransUnion Because the account contains materially inaccurate and unlawfully reported information, deletion is the only legally compliant solution.

5. Evidence provided I am attaching my credit report showing : Re-aging Repeated Charge Off reporting Involuntary repossession status Inaccurate timestamps and monthly CO entries 6. Final statement I request that the CFPB require the furnisher and the credit bureaus to correct these violations within the 30-day investigation window mandated by FCRA and provide written confirmation of the deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent {$410.00} to my girlfriend using CashApp on XX/XX/year> for a partial payment to our rent.I used a cuban flag in the subject which caused for my transaction to be reviewed. i have clarified with the compnay my mistake and have been escalated 3 times but my issue doesnt get resolved. I am now late on my rent and continue to not know when I will have access to my money as they dont offer any contact information for the reviewing team.I have replied to all their email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I placed a credit freeze with all three bureaus ( XXXX, XXXX, Experian ). 
In XX/XX/year>, I removed the freeze from XXXX  and XXXX  without any issue. 

Experian, however, locked me out. Every login attempt returned an error saying my information didnt match their records. After multiple failed attempts online and by phone, a third-party service ( XXXX XXXX ) informed me that Experian has two different dates of birth on file for me, which is why XXXX cant access my account. I filed a dispute on XX/XX/year> to correct this. 

Since then, Experian has provided no update. I even mailed physical documents ( ID, utility bill, bank statements, and paystubs ) to verify my identity and get my access restored, but nothing has been resolved. 

This situation is now urgent : I need the freeze lifted to apply for housing in two months, and I also need a new credit card for international travel in XXXX. Without access to my Experian account, both are blocked, and the financial impact will be significant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Can you audit this entry? I submitted it late and there may be mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion just sent me varrified information what you talking about this is my name TransUnion you stop valation of the federal law you must put in the record correct information name date of birth and and 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 2025-11-20 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am a victim of identity theft. My information was used to obtain goods and services without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Card Citi XXXX XXXX opened via Citibank without issue in XX/XX/XXXX I made multiple purchases in XXXX and XXXX without issue and paid the XXXX yearly fee - Paid off XXXX total in purchases never missing deadlines in attempts to hit sign up bonus - Informed that card declined and to reach out to fraud services in XXXX - Unable to use abroad - Received IRS form while abroad in XXXX and called Citi to inform them there would be delay in form - Sent form XXXX XXXX mid XXXX. Called around XX/XX/XXXX to follow up since no update. They told me there were missing lines, and I had to call to find out. No communication from them. In that time the card is not useable, they have retained my annual fee and I have XXXX Citi points that I can not use - I resent IRS form completely filled out, again via mail having to again pay for stamps and return on XX/XX/XXXX - Called XX/XX/XXXX to follow up and told they have not received it yet and to print another form and now spend to overnight with tracking. 
Overall I have put time and money to provide them with information and Citi has made things difficult and slow.

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 monetary relief
Consumer complaint received 2025-11-20 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  has been trying to obtain a TransUnion score since XX/XX/year> for your XXXX mortgage application through both XXXX XXXX and XXXX, multiple times each day. Both companies have reported the TU account is still frozen. You have made several calls to TransUnion to process the request and made the request online via the app. Each time TransUnion confirmed there was no freeze but did not work to resolve the issue. On XX/XX/year> the TransUnion representative stated there was no account associated with XXXX XXXX and disconnected the call when you asked to speak with a XXXX. 
As of XXXX XXXX on XX/XX/year> the account is still reporting as Applicant File Frozen by Customer

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