vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 explanation
Consumer complaint received 2025-07-03 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: GA

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 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 2025-07-03 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-07-03 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 non-monetary relief
Consumer complaint received 2025-07-03 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I filed for bankruptcy in XXXX of XXXX, and it was discharged XXXX of XXXX. Most of the account have been removed for my report or just show " Included in Bankruptcy ''. Chase, XXXX XXXX, and XXXX are reporting the " Date of Major Delinquency '' in XXXXWhen reported that way, it shows as recent delinquencies and had caused me to get denied when I apply for new credit. I have tried several times to correct this with no success. I now am requesting that these account just be completed removed. The date of major delinquency was XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I filed for bankruptcy in XXXXXXXX XXXX XXXX, and it was discharged XXXX of XXXX. Most of the account have been removed for my report or just show " Included in Bankruptcy ''. XXXX, XXXX XXXX, and Barclays are reporting the " Date of Major Delinquency '' in XXXXWhen reported that way, it shows as recent delinquencies and had caused me to get denied when I apply for new credit. I have tried several times to correct this with no success. I now am requesting that these account just be completed removed. The date of major delinquency was XXXX and not 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 2025-07-03 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: IN

Complaint narrative:
I was notified My personal information was involved in a data breach. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed 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 NEEDS TO BE REMOVED i have no association with these medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-03 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Please see Complaint XXXX. FNO 's response was insufficient. All the charges they say I owe are from interest and late fees I should not have to pay anything and need this account closed at {$0.00} and in good standing. If FNO does not correct this and my credit report by XX/XX/year>, I will be filing a lawsuit against XXXX for fraud, negligence, and UDAAP violations. 

Look at ALL the unanswered emails when FNO haphazardly shut down the XXXX XXXX through the app, with no digital notice via the original e-Sign agreement. One day, the ability to pay just disappeared, and no ability to communicate with XXXX or FNO was provided, except unanswered Emails.

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 2025-07-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Greetings to whom it may concern,\nPlease see all highlight activity.  \nPlease see attached all backup information:\nPlease take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report that are reporting my credit report. This information needs to be addressed and removed. Please correct information concerning all these accounts. (Please see attached) I am asking for a full investigation. Please fix this report effective and immediately.  Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed.\nPlease send me written confirmation, also include proof that youve complied with section 623(a) (4) of the Fair Credit Reporting Act to the XXXX XXXX XXXXnThank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThanks in Advance'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) claims that they sold an outstanding debt to a debt buyer. This company did report the balance as XXXX since they sold the debt, but under Consumer Financial Protection Bureau guidelines, XXXX can not double-dip on the same account and maintain a tradeline with each respective credit reporting agency as my information has been moved to a third party, and since the XXXX XXXX XXXX XXXXXXXX The most prominent " XXXX XXXX XXXX case in recent legal history is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the Fair Debt Collection Practices Act ( FDCPA ). The case clarified whether entities that purchase defaulted debts and then attempt to collect them are considered " debt collectors '' under the FDCPA. The Supreme Court, in a unanimous decision authored by XXXX XXXX XXXX, ruled that they are not. Hence, the creditor loses their rights under FDCPA, and as such is the case the procuring debt is void from a credit reporting perspective. The debt buyer on the other hand can maintain a tradeline collection as long as the debt transfer ownership flows from part # XXXX to party # XXXX within Federal Trade Commission protocol. Accordingly, the XXXX tradeline must be removed immediately and permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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 made a {$27.00} XXXX XXXX  order on XX/XX/year>. Due to refunds, the final charge was only {$9.00}. XXXX confirmed the {$27.00} authorization was voided on their end. I contacted Cash App multiple times, submitted identity verification, and provided screenshots confirming the charge was voided. 

Despite this, Cash App refuses to release the remaining {$17.00} in pending funds, claiming I must wait 10 days even though there's no pending transaction anymore. Their support has been unhelpful and continues giving copy-paste responses. I need help getting my money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX Email : [ Your Email Address ] Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Escalated Complaint Experians Failure to Comply with the FCRA After Prior CFPB Investigations References : CFPB Complaints # XXXX ( XX/XX/XXXX ) and # XXXX ( XX/XX/XXXX ) To Whom It May Concern, I am submitting this formal follow-up complaint against Experian for its willful failure to comply with the Fair Credit Reporting Act ( FCRA ) and its repeated use of non-substantive, automated responses to my credit disputes submitted through the CFPB complaint portal. 

Background Summary : On XX/XX/XXXX, I filed a dispute through the CFPB ( Ref # XXXX ), followed by another on XX/XX/XXXX ( Ref # XXXX ). Both complaints challenged inaccurate late payment entries appearing on the following accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX & XX/XX/XXXX ) XXXX ( XXXX through XX/XX/XXXX ) Experians Response ( Quoted from XX/XX/XXXX Reply ) : We contacted the data furnisher ( s ) for the disputed items They responded and verified that the remaining disputed information was accurate Our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher This response fails to meet the legal standard for a reinvestigation as required under 15 U.S.C. 1681i ( a ). Experians actions demonstrate a systematic avoidance of its duty to perform an independent, good-faith investigation into the disputed information.

Legal Basis of This Complaint : Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Simply relaying the furnishers position without reviewing any supporting documentation, evaluating the merits of my claim, or verifying the underlying records is not reasonable reinvestigationit 's outsourcing accountability. 

Furthermore, by failing to remove or correct clearly disputed and unverified data, Experian is now in willful noncompliance under : 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify inaccurate data 15 U.S.C. 1666 ( b ) Prohibition on reporting information in dispute without resolution Please find this letter as an official escalation and request for CFPB intervention and enforcement. 

Sincerely, 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX ss # XXXX Subject : Dispute of Form 1099-C Cancellation of Debt Income Dear XXXX XXXX  I am writing to formally dispute and request IRS Form 1099-C Cancellation of Debt issued under my name for the tax year XXXX for the alleged debt with account number XXXX. 

Disputed Debt Details : Form 1099-C Amount : {$10000.00} Creditor/Furnisher : XXXX XXXX  Account Number : XXXX Reason for Dispute : 1. Debt Not Valid/ Debt Still Collectible You may have incorrectly issued a 1099-C. According to IRS regulations, merely filing a 1099-C does not in itself mean the debt has been canceled, unless there is clear intent to cancel the debt ( see IRS Publication 4681 and 26 CFR 1.6050P-1 ).

2. No Intent to Forgive Debt Under 26 CFR 1.6050P-1 ( b ) ( 2 ) ( iv ), the issuance of a 1099-C does not necessarily indicate actual debt cancellation. If you are still attempting to collect or sell the debt, it has not been forgiven. 


3. Statutory Error If the debt was discharged in bankruptcy or falls under an exception under 26 U.S. Code 108, such as : Insolvency exception Qualified principal residence debt Bankruptcy discharge ... then it should not be reported as taxable income. I request immediate correction if this applies.

4. Violation of FCRA and FDCPA If this 1099-C has been inaccurately reported to credit bureaus or used as collection leverage, this may be a violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( regarding false representation ) Action Requested : Provide documentation verifying the debt cancellation and your authority to issue the 1099-C.

Provide written clarification of the nature and intent behind the filing.

If you can not validate this information, please file a corrected Form 1099-C with the IRS ( Form 1099-C, Box 1 with corrected code ) and send me a copy.

Cease and desist from any debt collection activity if the debt was in fact forgiven.Also remove said debt From my credit report attempting to collect a debt after it has been written off as loss is fraud If I do not receive a response within 30 days, I reserve the right to file complaints with the IRS XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 

Sincerely, 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 2025-07-03 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: Giggle Finance Inc.
State: FL

Complaint narrative:
Giggle Finance placed a XXXX lien which caused my XXXX account and personal XXXX XXXX account to be frozen. I rely on these accounts for basic living needs. 

I am currently on government assistance ( SNAP ), and I submitted a hardship letter and official benefit proof to both Giggle Finance and XXXX XXXX XXXX XXXX XXXX ). I requested a release or partial lift due to the hardship and the personal nature of the accounts involved. 

I never received a court order, judgment, or formal legal notice about this lien. Ive asked both companies for information and status, but Ive received no helpful response. This has left me unable to access money for food or bills for my family. 

I believe this is unfair and may be unlawful under consumer protection laws, as it impacts personal accounts and government benefits. Im asking for the CFPB to help me get the hold reviewed and lifted as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00}

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 non-monetary relief