vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abilities to obtain credit.

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 2025-11-24 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: SC

Complaint narrative:
I have been dealing with an extremely long and frustrating dispute involving XXXX XXXX  and the credit reporting agencies Experian, Equifax, and TransUnion. This has been going on for nearly two months and it is severely affecting my credit scores, causing me emotional distress and financial hardship. 

The company previously sent me written confirmation by email stating that they no longer own the debt. Despite this, the bureaus continued reporting the account as a charge-off. When I disputed it, XXXX responded by sending documents that were NOT proof of ownership, validation, or accuracy. They failed to provide any of the information I specifically requested. 

Even worse, TransUnion reported this same charge-off twice, creating duplicate negative accounts. Equifax updated the account with incorrect comments and statuses, causing my score to drop XXXX  points. Experian is still reviewing the original dispute and my score only recently recovered into good standing, so this ongoing situation is placing me in fear of further damage. 

I have repeatedly asked the company for correct documentation, ownership details, and validation, and they have not provided anything I requested. Instead, the information they sent back was incomplete, confusing, and did not address my direct concerns. 

This situation has caused serious harm to my credit, which I rely on for housing, transportation, and daily life. I am now overwhelmed trying to fix something that should have been resolved weeks ago. The companies are not investigating properly, and the repeated inaccurate reporting is violating my rights under the FCRA. 

I am requesting CFPB intervention because the credit bureaus and XXXX have not corrected these errors despite multiple attempts and clear evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-24 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX SSN (XX/XX/XXXX ) : XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/XXXX Re : Unauthorized Hard Inquiry Removal To Whom It May Concern : I am disputing multiple inquiries pulled by XXXX XXXX XXXX on XXXX XXXX I authorized ONE credit pull for the purpose of applying for financing. 
I did not authorize multiple hard inquiries, nor did I apply separately with each of the listed lenders. 

These additional inquiries violate : XXXX XXXX XXXX XXXX XXXX Equifax Mortgage FCRA 604 ( a ) Permissible Purpose FCRA 607 ( b ) Maximum Accuracy FCRA 611 Reinvestigation Requirements Please remove all unauthorized inquiries. 



TransUnion XX/XX/XXXXXXXX Experian XXXX. XXXX XXXX XX/XX/XXXXEquifax 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
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX SSN (XX/XX/XXXX ) : XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/XXXX Re : Unauthorized Hard Inquiry Removal To Whom It May Concern : I am disputing multiple inquiries pulled by XXXX XXXX XXXX on XXXX XXXX I authorized ONE credit pull for the purpose of applying for financing. 
I did not authorize multiple hard inquiries, nor did I apply separately with each of the listed lenders. 

These additional inquiries violate : XXXX XXXX XXXX XXXX XXXX Equifax Mortgage FCRA 604 ( a ) Permissible Purpose FCRA 607 ( b ) Maximum Accuracy FCRA 611 Reinvestigation Requirements Please remove all unauthorized inquiries. 



TransUnion XX/XX/XXXXXXXX Experian XXXX. XXXX XXXX XX/XX/XXXXEquifax 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
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because Equifax is reporting multiple inaccurate items that do not belong to me, including the wrong address XXXX XXXX XXXX XXXX XXXX PA XXXX, false late payment reporting on XXXX XXXX XXXX * * * *, XXXX XXXX * * * *, XXXX XXXX * * * *, XXXX XXXX * * * *, XXXX XXXX * * * *, XXXX XXXX * * * *, XXXX XXXX * * * *, and unauthorized inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX on XXXX/XXXX/2024 XXXX XXXX of which are harming my credit profile and have not been verified or corrected despite previous disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-24 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I had a XXXX and was taken by XXXX  to the hospital where I stayed until XX/XX/XXXX. My purse and phone were left in my unlocked apartment and someone entered and got ahold of everything and drained my accounts through online gaming and XXXX XXXX and money transfers. The first dispute I filed was on XX/XX/XXXX. There are XXXX transactions and they wanted me to submit them individually to which I replied that I was suffering from XXXX XXXX XXXX  problems due to the XXXX. I spoke with a representative and told him that all of the transactions from XXXX were not made by me and I wanted to dispute them. I provided medical documentation of my hospital stay as well as the police report. When I heard back from them on XX/XX/XXXX they had only processed XXXX charge and denied the dispute. They closed my account. I reached out and they again asked me to submit each dispute seperately, having no compassion for my health issues and every dispute I have been able to submit has been denied aside from XXXX for {$19.00} and that XXXX is the same merchant for XXXX of the disputes yet they denied the others. I have appealed the denials and the same day of the appeals they denied the appeal. That shows that the investigation is not thorough. I asked what they based their decisions on and they sent me my transaction history which shows no pattern of the kind of charges that I disputed prior to XX/XX/XXXX, the date in which my phone and wallet were taken and I was taken to the hospital. This is Cash App. I have had this account since XX/XX/XXXX and never had this pattern of spending. I have someone assisting me because I am affected physically from the XXXX. I need help. My bills are not paid and my rent is overdue because all of my money was spent and this company is not being helpful or honest. They should have required some kind of documentation when these charges were being made since they were unfamiliar.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: HI

Complaint narrative:
I am submitting this letter as a third formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon careful review, I have identified several inaccuracies in the reporting of my personal information, open and closed accounts, charge-offs, and collections. These inaccuracies are misleading, inconsistent with my verified financial records, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. This is my third request for reinvestigation, and I expect a thorough and comprehensive review of all disputed items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, I was contacted through my XXXX store that I had a new purchase and needed to verify my account. In providing information ( yes I know this was now a scam ), the scammers hacked my pay-pal account. I advised PayPal immediately ( within a few hours ) that these pending charges were fraudulent. I notified my bank account, put stop payment on my account etc. I froze my credit, obtained lifelock on all my accounts and filed a dispute with PayPal. PayPal is now claiming the purchase is legitimate, which it is not. They do not provide a method of speaking with them, everything is automated, and they are not actively investigating this. While the company that received the money may say yes, these items or whatever they are, were purchased, it was not by me. These 3 transactions were fraudulent. The Case opened was XXXX XXXX transactions to XXXX XXXX, in the amounts of {$200.00}, {$450.00}, and {$320.00}. I have included copies of the dispute, together with the stop payments and transactions from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
These accounts are not mine, and I am requesting their deletion within 15 days per the Fair Credit Reporting Act.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am submitting this letter as a third formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. After a careful and detailed review of the reporting data, I have identified significant errors in the way certain open accounts are being reported, specifically the late payment history and activity timeline associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
These discrepancies continue to misrepresent my financial behavior and are inconsistent with my verified payment records. Such inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require all consumer information to be reported in a manner that is accurate, complete, and supported by verifiable documentation. This is now my third request for reinvestigation, and the continued reporting of these errors has caused ongoing harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Request for Investigation of Duplicate Collection Reporting FCRA Dispute To Whom It May Concern, I am writing to dispute inaccurate and duplicate collection entries appearing on my credit report, generated on XX/XX/year>. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires the credit reporting agency to ensure maximum possible accuracy of the information it maintains.

Duplicate/Misreported Accounts The following accounts are appearing twice, once under the original creditor ( as a charge-off ) and again under a third-party debt buyer, which misrepresents my obligations : XXXX. XXXX XXXX XXXX XXXX XXXX ( charged-off {$430.00} ) Duplicate with XXXX XXXX XXXX XXXX {$430.00} collection ). 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( charged-off {$410.00} ) Duplicate with XXXX XXXX XXXX XXXX {$410.00} collection ). 
XXXX XXXX XXXX XXXX XXXXXXXX ( charged-off {$450.00} ) Duplicate with XXXX XXXX XXXX XXXX {$450.00} collection ). 
XXXX. XXXX / XXXX ( charged-off {$730.00} ) Duplicate with XXXX XXXX XXXX XXXX {$730.00} collection ). 
XXXX. XXXX XXXX XXXX ( XXXX ) ( charged-off {$720.00} ) Duplicate with XXXX XXXX XXXX XXXX {$720.00} collection ). 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( charged-off {$720.00} ) Duplicate with XXXX XXXX XXXX XXXX {$700.00} collection ). 
My Position While I understand an original creditor may report a charge-off and a debt buyer may report a purchased account, these listings as currently reported are misleading and duplicative. They create the false impression that I owe the same debt more than once, and in some cases, the balances do not even match. 
Requested Action I am requesting that XXXX XXXX XXXX Remove the duplicate or inaccurate entries so that each debt appears only once and reflects the correct current creditor. 
* Provide me with the results of your reinvestigation within 30 days, as required under 15 U.S.C. 1681i. 
Please investigate these items and correct or delete them from my credit report. 
Enclosed is a copy of my identification and a copy of the relevant credit report highlighting the disputed entries. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I had a credit score of over XXXX before the XXXX  breach, after the breach my score went way down and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I became a XXXX XXXX and so my mother helped me and co-signed for me to get a vehicle that would be efficient enough for me to do my multiple XXXX XXXX So after purchasing my XXXX  XXXX XXXX XXXX  I had trouble with it, after I ran it for a little while it would run good then later into my work shift it would run bad it would barely go and it ran horrible and I had no idea what was wrong with it, so anyhow it took me. Awhile then I looked it up online and I found out that this vehicle has a known issue with the transmission overheating and therefore.would have the symptoms that I witnessed nightly half way into my. Work shift! So I did make appointment with XXXX XXXX XXXX XXXX XXXX  and when I made my. Appointment they wanted hundreds of dollars to hook it up to their machines which I was. Never told that it would cost me when I called and made the appointment to get the diagnosis!! So I did not have the money they wanted and I did mention to the lady i shouldnt need that money because it was under. Warranty! So I been basically screwed since I bought the car! This car was suppose to have been my ticket to success, but its been a nightmare! I do have a job now that I can manage the vehicle and let it rest in between runs and its working out like that. But I am far behind on my. Payment and. The vehicle has already been taken twice it has been repossessed I am trying to get back on track but its happening surely but slowly! I was suppose to have gotten paid this Sunday and make a payment but I was let down so I could only make a third of the payment I am going to pay the rest of the payment Monday or Tuesday I will have made the payment but a day or two later thats how its been since I saved it out of repo the last time! I can not afford to lose the vehicle! I can make the payments that they are asking but I just been lagging by a day or two! But the worrying and the stress about losing it has really got to me! I am XXXX XXXX XXXX I am almost there where I need to be with the payments but a day or two slower than the date says to pay! I am owed {$3000.00} from Ohio in lawsuit where XXXX XXXX cut off pua early. And that will go towards the vehicle as well! This payment I was suppose to have received money but it was not as transparent as it should have been to me, I relied on money from a source that didnt come through what they said they would have paid me but I can make it up today and next day in full! My XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I vow to pay the vehicle off!!

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 2025-11-24 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: AS

Complaint narrative:
I am submitting this letter as a second formal dispute regarding multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report. Upon careful review, I have identified an inaccurate address and several charge-off accounts reporting XXXX balances that require clarification and correction. These inaccuracies are misleading, inconsistent with my verified financial records, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AS

Complaint narrative:
I am submitting this letter as a second formal dispute regarding multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report. Upon careful review, I have identified an inaccurate address and several charge-off accounts reporting XXXX balances that require clarification and correction. These inaccuracies are misleading, inconsistent with my verified financial records, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. 
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 explanation