vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-10 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint : I leased a XXXX XXXX XXXX ( Lease # XXXX XXXX XXXX ) through XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made XXXX payments of {$280.00}, all on time with no late history. Despite this, XXXX never reported the lease to the credit bureaus. 

When I applied for a new auto loan, I was classified as a first-time buyer, resulting in a higher rate and larger down payment. XXXX confirmed they have records of my payments and twice promised letters, but the credit bureaus informed me they can not accept consumer-submitted letters the creditor must report electronically. XXXX refused to do so, denied me access to a supervisor, and never returned my call. 

This failure to report accurate information has caused me financial harm. I am requesting XXXX XXXX XXXX be required to report my positive lease history to the credit bureaus.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint : I leased a XXXX XXXX XXXX ( Lease # XXXX, XXXX XXXX ) through XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made XXXX payments of {$280.00}, all on time with no late history. Despite this, XXXX never reported the lease to the credit bureaus. 

When I applied for a new auto loan, I was classified as a first-time buyer, resulting in a higher rate and larger down payment. XXXX confirmed they have records of my payments and twice promised letters, but the credit bureaus informed me they can not accept consumer-submitted letters the creditor must report electronically. XXXX refused to do so, denied me access to a supervisor, and never returned my call. 

This failure to report accurate information has caused me financial harm. I am requesting XXXX XXXX XXXX be required to report my positive lease history to the credit bureaus.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following mortgage account : XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 
The following late payment ( s ) MUST be removed as per federal law since each of them are either incorrect, incomplete, or require further verification under 15 U.S.C. 1681i of the Fair Credit Reporting Act. 
XXXX XXXX. Conflicting Payment History : XXXX  reports account as 30 days late, while Transunion and XXXX  states it is current days late. Please delete 30 days late. 
XXXX XXXX. Conflicting Payment History : Transunion and XXXX  report account as 30 days late, while XXXX  states it is current. Please delete 30 days late. 
XXXX XXXX Conflicting Payment History : Inconsistencies in later months raises questions about accuracy in this field. Please delete 30 days late. 
XXXX XXXX Conflicting Payment History : Inconsistencies in later months raises questions about accuracy in this field. Please delete 30 days late.

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 2025-09-09 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: TX

Complaint narrative:
My social was breached via TransUnion Things are inaccurate on my 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 explanation
Consumer complaint received 2025-09-09 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: NH

Complaint narrative:
I am extremely frustrated that fraudulent accounts have been placed on my credit report without my knowledge or approval. I did not open them, I never consented, and yet they are being reported with different, conflicting details by each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: DE

Complaint narrative:
XXXXTo Whom It May Concern,\n\nI am submitting this complaint to dispute two collection accounts that appear on my credit report, which I believe are inaccurate and/or unverifiable.\n\nDetails of the Disputed Accounts:\n\nCollection Agency Name: XXXX XXXX XXXXAccount Number: XXXXXXXXReported Balance: XXXXDate Reported: XXXXReason for Dispute:\n\nThese accounts are not mine OR I have no record of owing these debts.\n\nI have not received any written validation or original creditor documentation as required under 15 U.S.C.  1692g (FDCPA).\n\nReporting unverifiable or inaccurate information violates the Fair Credit Reporting Act, 15 U.S.C.  1681i.\n\nI request that the CFPB require the collection agencies and the credit reporting agencies to:\n\nProvide full validation of these debts, including the original signed agreement and complete payment history.\n\nRemove these accounts from my credit report if they cannot be fully validated within the required time frame.\n\nCease reporting of any unverified information to credit bureaus.\n\nSupporting Documentation:\n\nA copy of my current credit report showing the disputed items.\n\nA copy of my government-issued ID.\n\nProof of address.\n\nI appreciate your prompt assistance in resolving this matter.\n\nSincerelyXXXX 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXXTo Whom It May ConcernXXXXI am submitting this complaint to dispute two collection accounts that appear on my credit report, which I believe are inaccurate and/or unverifiable.XXXXDetails of the Disputed Accounts:XXXXCollection Agency Name: XXXX XXXX XXXXAccount Number: XXXXReported Balance: $XXXXDate Reported: XXXXReason for Dispute:\n\nThese accounts are not mine OR I have no record of owing these debts.\n\nI have not received any written validation or original creditor documentation as required under 15 U.S.C.  1692g (FDCPA).\n\nReporting unverifiable or inaccurate information violates the Fair Credit Reporting Act, 15 U.S.C.  1681i.\n\nI request that the CFPB require the collection agencies and the credit reporting agencies to:\n\nProvide full validation of these debts, including the original signed agreement and complete payment history.\n\nRemove these accounts from my credit report if they cannot be fully validated within the required time frame.\n\nCease reporting of any unverified information to credit bureaus.\n\nSupporting Documentation:\n\nA copy of my current credit report showing the disputed items.\n\nA copy of my government-issued ID.\n\nProof of address.\n\nI appreciate your prompt assistance in resolving this matter.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: KS

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable and raises serious concerns of potential identity theft. The continued presence of these fraudulent entries is inflicting ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$1400.00}, XXXX  XXXX - Date Opened : XX/XX/XXXX - {$1200.00}, XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$670.00}, XXXX XXXX - XXXX Opened : XX/XX/XXXX - {$1100.00}, XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$1600.00} ; fraudulent inquiries off of my report : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-09-09 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 gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$1400.00}, XXXX  XXXX - Date Opened : XX/XX/XXXX - {$1200.00}, XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$670.00}, XXXX XXXX - XXXX Opened : XX/XX/XXXX - {$1100.00}, XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$1600.00} ; fraudulent inquiries off of my report : XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I withdrew XXXX XXXX  from cash app it went to an account that was closed so I unlinked the card and linked a new one. Since I did that while my bank refunded that amount and sent it back cash apps system didn't send it back to me but it went through so now cash app has my money but won't help return it to my account even with all the right documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> around XXXX XXXX  I tried doing a cash deposit into an XXXX  atm terminal number being XXXX XXXXXXXX located inside a XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, for a total of XXXX XXXX XXXX XXXX XXXX bills and XXXX XXXX dollar bill. 

When the money was already inside the compartment of the atm, the compartment closed and the screen it said take your card, and it went back the the atm homepage. 

I immediately called the allpoint number thats on the atm and they told me to contact my bank, capital one, and ask for a deposit error claim. I called my bank that same day and filed a claim for this and 7 days passed. On XX/XX/XXXX I got an email stating my claim has been denied for no record of deposit into my account. This same day I called capital one and asked the reason why they had declined it, the representative said that they had just received the information needed the day that they denied it, that they were going to reopen the claim with the information provided and that it was going to be a XXXX day wait. 

Now on XX/XX/year> I get another email stating my claim was denied for a second time because of the same reason, no record of deposit on account. So I called the XXXX  and I tell them what capital one told me and they say that capital one is the only one that can solve this, so basically at this point nether of them are willing to help me out.

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

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I've requested for this company to Validate the Alleged debt that they are reporting to XXXX XXXX, and Transunion, to no avail. I have requested this debt validation request from the company, as well as XXXX XXXX, and Transunion to no avail.

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

Complaint narrative:
I GIVE CFPB PERMISSION TO INVESTIGATE ON MY BEHALF In XX/XX/2025, I received a notice from TransUnion informing me that my personal information, including my date of birth, had been exposed in a data breach. Following this, I attempted to enroll in the complimentary credit monitoring they offered. When I entered my correct name and the last four digits of my Social Security number, the system pulled up the information of a completely different individual, including another name, date of birth, and address. 

This shows that my identity has been compromised and that my personal identifiers are being linked to someone elses file. Because of this misassociation, I can not trust the accuracy of my credit file or confirm that fraudulent accounts or inquiries have not been added. 

I am demanding immediate removal of all inaccuracies and fraudulent activity, along with written confirmation once the corrections have been made.

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