vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
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 2025-08-30 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: TX

Complaint narrative:
I am known for making timely payments, so this record is both misleading and incorrect. I respectfully request it be deleted and my file updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unauthorized accounts have been added to my credit report. I did not open, authorize, or approve these accounts, nor was I informed of their presence. Despite this, they are being reported across the credit bureaus, and the information shown is inconsistent and inaccurate.

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 2025-08-30 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: CA

Complaint narrative:
These accounts are not mine and appear to be fraudulent. I request their immediate deletion and a thorough investigation. Relevant documents are included.

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/25, my credit card was charged two times for {$400.00} and on XX/XX/25 for a single {$400.00} transaction with XXXX XXXX, for a total of three charges. I only authorized one purchase, which was on XX/XX/25 for {$400.00}. I submitted multiple disputes to my credit card company/Comenity Capital Bank , including sending supporting documents online and by certified mail, requesting that the duplicate charges be removed and confirmation provided. Despite this, the company keeps closing the disputes without resolving the issue, providing no explanation and requesting redundant information that I have already provided. One extra charge remains on my account for {$400.00} ( The credit card company/Comenity Capital Bank has refunded one of the duplicate charges, but two charges remain ). I am seeking permanent removal of the remaining duplicate charge so my account reflects the correct total.

I have contacted the credit card company/Comenity Capital Bank on the following dates with the
information they requested : XX/XX/25 XX/XX/25 XX/XX/25 XX/XX/25 XX/XX/25 XX/XX/25 XX/XX/25 XX/XX/25 XX/XX/25

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00}

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
Consumer complaint received 2025-08-30 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report dated XX/XX/year>, I identified multiple inaccurate and unverifiable accounts being reported. 

XXXX XXXX ( XXXX ) Reported as both charge-off and collection, with conflicting balances ( {$9000.00} written off vs. {$6900.00} balance ). This violates 15 USC 1681e ( b ) ( maximum accuracy ) and 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers duty to report accurate info ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ) Reported inconsistent statuses ( delinquent, partial payments, charge-off simultaneously ). This violates 15 USC 1681i ( duty to properly reinvestigate ). 

XXXX XXXX XXXX ( XXXX ) Reported without verifiable documentation of ownership or chain of title. This violates 12 CFR 1006.34 ( c ) ( itemization disclosure requirements ) and 15 USC 1681e ( b ). 

XXXX XXXX ( XXXX XXXX ) Reported past-due with conflicting data across bureaus, violating XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ) ( billing accuracy ). 

XXXX XXXX XXXX ( Secured LOC ) Account marked paid/closed but still reports 3060 day late payments after closure. This is inaccurate and violates 15 USC 1681s-2 ( a ). 

These accounts are outdated, unverifiable, and/or incomplete. Under 15 USC 1681i, unverifiable items must be permanently deleted. Updating is not acceptable.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and demand for full validation of an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby exercise my right to request verification and proof of this alleged debt.

At this time, I do not acknowledge any liability for the debt in question. Until you provide complete validation as required by law, you must immediately cease all collection activity, including reporting or furnishing any information about this alleged debt to the consumer reporting agencies.

For compliance, you are required to provide the following documentation : XXXX. Proof of the XXXX XXXX XXXX copy of the original contract, agreement, or instrument bearing my signature that allegedly created this debt. 
XXXX. Proof of Legal Ownership and XXXX XXXX complete chain of assignment, transfer, or sale establishing your legal right to collect this debt. 
Documentation demonstrating your authority to act as a collector of this debt. 
XXXX. Full Accounting of the XXXX XXXX XXXX detailed itemization of the original amount, all fees, charges, interest, and payments applied to date. 
XXXX. Licensing and Bonding Verification Proof that your company is duly licensed, bonded, and authorized to collect debts in my state. 

Take notice that : Any failure to provide the above constitutes a violation of federal law and will be documented accordingly. 
Any continued collection activity, including credit reporting, without proper validation will be considered willful non-compliance with the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
Should you ignore this demand, I will pursue all available remedies, including statutory damages, injunctive relief, and recovery of attorneys fees and costs. 

You are hereby notified that you have 30 days from receipt of this letter to furnish the requested documentation. If you can not validate this alleged debt in full, you must immediately : Cease all collection efforts, and Delete any reference to this alleged debt from my credit reports, and Confirm in writing that the matter is permanently closed. 

For the record, all future communications must be made in writing only. XXXX calls to me, my family, my place of employment, or any third party are expressly prohibited. 

Failure to comply will leave me no option but to pursue legal remedies to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Caribou Financial, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I refinanced my auto loan through Caribou. My new lender is XXXX, and my previous lender was XXXX. 

XXXX disbursed the payoff funds to Caribou on XX/XX/year>. 

XXXX held the payoff funds until XX/XX/year>, and only then sent them to XXXX. 

They provided me with only a XXXX  tracking number ( XXXX ) showing delivery on XX/XX/year>. 


When I requested additional information ( such as the amount of the check, the address it was sent to, and a copy/photo of the check ), Caribou ignored my request and stopped responding to me. 

As of today, my previous lender ( XXXX ) has not applied the payoff, and I am left paying two active auto loans at the same time, which is causing me severe financial hardship. Caribous lack of communication and transparency has directly contributed to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I had account closed by cashapp and at the time I did t know why then they said gambling. When I looked at transactions I noticed fraud on account so I tried to report and they said I had to dispute each charge they did t have a fraud department. I started disputing each one I was awarded money back on first but then nothing. I still had charges I needed to dispute but the took all access to account away and customer service is useless. So I want details on why the fraud charges were denied and what XXXX need to prove them. Police report etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I received a Cash App card in the mail that has my full legal name and was sent to my address. It has apparently been linked to my bank account if I will just download the app. I have never used this app and have never created an account. This is fraud or a scam. I called the company to have the card disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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

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 2025-08-30 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: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything. I need you to make sure all of my information is 100 % correct. I am also writing to address the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-30 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: DC

Complaint narrative:
According to FCRA Section 605 ( b ), it is illegal to report any information on my credit report without my consent. I kindly request the removal of this negative item from my credit report. Thank you.

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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am unfamiliar with these accounts and believe they are fraudulent. Kindly remove them from my credit report and begin an investigation. Relevant documents are attached.

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 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
Re : Follow-Up on Complaint XXXX To Whom It May Concern, I am writing in follow-up to my previous complaint filed with your office regarding the debt related to my former lease, as outlined in the attached document. I have already responded to the agency listed ; however, I have not received a response from them regarding my attempts to resolve this matter. 

As stated in my initial complaint, I vacated the property for reasonable cause, which was clearly documented and known by the leasing XXXX at the time of my residence. Despite these circumstances, the debt is still being pursued. 

In good faith, I have reached out via email to the debt collector to request a negotiable payment arrangement so that I may pay the balance in full. I am now in a financial position to settle this matter. Unfortunately, my efforts to establish a resolution have not been met with any acknowledgment or cooperation from the agency. 

This unresolved debt is hindering my ability to support my sons college education, and I am eager to resolve the matter responsibly. I respectfully request the XXXX  assistance in ensuring the agency responds to my request for a payment arrangement, allowing me to satisfy this debt fully and close this chapter. 

Thank you for your time and continued support. I greatly appreciate your attention to this matter and look forward to your guidance and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation