vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-24 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
I had previously been in a car accident in XXXXXXXX XXXX XXXX. The ambulance did not charge my insurance like they were supposed to. I called my insurance company once I realized they had not been charged and had an advocate in a three way call with me and the previous debt company that had this. They said theyd drop it and they did. And now its reshowing up with a different date. I have called this company multiple times and all they do is tell me the amount and ask for my bank information. I will not pay this debt. The illegally de-aged this account, along with refusing to send me anything in the mail including details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear ConServe, I am responding to your recent communication regarding an alleged debt you claim I owe. This letter is not a refusal to pay but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that you provide validation of this debt.

Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges.

3. A copy of the original signed agreement or contract that created the debt.

4. Verification that your agency is licensed to collect debts in my state, including your license number and registered agent.

5. Documentation showing that you have the legal right to collect this alleged debt, whether by assignment or ownership.

Until this information is provided, you must cease all collection activities, including reporting or verifying this debt to credit reporting agencies, as doing so would violate the FDCPA.

Please send all correspondence to the address listed above. I request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

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 explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 2025-10-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AZ

Complaint narrative:
A single account is appearing on my credit report in my name that I never opened, authorized, or managed. Its inclusion is inaccurate and misleading, and it falsely represents my financial history. I take my credit profile seriously, and this unauthorized entry has caused me significant concern and disruption.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Account info : XXXX XXXX XXXX XXXX I have XXXX charged off accounts with XXXX  XXXX account ending in XXXX was paid in full and the other ending in XXXX was settled for less. I spoke with an employee who advised that once both accounts were paid and/or settled they would put in a request to have it deleted from credit report and internal database but account is still showing up in both. After I agreed for a pay to delete. This account was charged off but was paid/settled and was agreed by creditor to be removed from my account. 
Please remove charged off account in compliance with the FCRA immediately this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account info : XXXX XXXX XXXX XXXX I have XXXX charged off accounts with XXXX  XXXX account ending in XXXX was paid in full and the other ending in XXXX was settled for less. I spoke with an employee who advised that once both accounts were paid and/or settled they would put in a request to have it deleted from credit report and internal database but account is still showing up in both. After I agreed for a pay to delete. This account was charged off but was paid/settled and was agreed by creditor to be removed from my account. 
Please remove charged off account in compliance with the FCRA immediately this is a violation

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For more than XXXX  years I have been reported to the Transunion entity, they do not give me any solution other than I have to wait, XXXX  years, I only had a delay in one of the accounts and they have reported me for XXXX accounts, I have a very good credit score and I have not had bad reports, I have not been able to have a decent life since I am independent and this has caused me many inconveniences, I have been reported since XXXX, they say that XXXX  year is missing, recently they denied me a credit and I am totally blocked from moving forward, I hope to be able to count on you so that I can be erased and continue with my projects Thank 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 2025-10-24 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I orderd an dress on the XXXX XXXX XXXX XXXX XXXX for {$54.00} they took the payment at XXXXXXXX XXXX  Then i was charged again for the same amount using my cash app card so now my card is negative and use my cash app for everything. I cant pay my bills because i go through cash app any other app my debit card requires verification via phone code and i cant get it because my phone is off and my cash app is in the negative. They said i would have to wait till XX/XX/XXXX. On top of that people send me money randomly that is now being used to cover that overdraft fee for me being charged twice by fashion nova which has no number for support and only XXXX email cqn be sent!! I provided proof and cash app refuses to do anything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CT

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXXXXXX 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

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 2025-10-24 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: IL

Complaint narrative:
This letter is a formal request for reinvestigation of all disputed accounts currently appearing on my credit report and an enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and FCRA 623 ( a ) ( 1 ) ( A ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their file. This includes contacting the data furnisher and obtaining documentation that substantiates the accuracy of the information being reported.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies may not furnish information they know, or have reasonable cause to believe, is inaccurate.

Request for Proof and Method of Verification Dear Compliance Department, I am disputing every account and inquiry on my credit reports that appears as negative, closed, charged-off, or in collection, as they are being furnished without a permissible purpose as defined under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 
The following entities are reporting inaccurate : Self Financial Affirm XXXX XXXX XXXX XXXX ( Kickoff ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, Capital XXXX. 
Pursuant to XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I am formally requesting that you provide : A detailed description of the procedure used to determine the accuracy and completeness of the disputed information ; The name, address, and telephone number of each furnisher or entity you contacted during your reinvestigation ; and All supporting documentation you obtained or relied upon that verifies the accuracy of the information in question, including contracts, account records, payment history, and original signed agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
This letter is a formal request for reinvestigation of all disputed accounts currently appearing on my credit report and an enforcement of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and FCRA 623 ( a ) ( 1 ) ( A ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their file. This includes contacting the data furnisher and obtaining documentation that substantiates the accuracy of the information being reported.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies may not furnish information they know, or have reasonable cause to believe, is inaccurate.

Request for Proof and Method of Verification Dear Compliance Department, I am disputing every account and inquiry on my credit reports that appears as negative, closed, charged-off, or in collection, as they are being furnished without a permissible purpose as defined under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 
The following entities are reporting inaccurate : Self Financial Affirm XXXX XXXX XXXX XXXX ( Kickoff ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, Capital XXXX. 
Pursuant to XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I am formally requesting that you provide : A detailed description of the procedure used to determine the accuracy and completeness of the disputed information ; The name, address, and telephone number of each furnisher or entity you contacted during your reinvestigation ; and All supporting documentation you obtained or relied upon that verifies the accuracy of the information in question, including contracts, account records, payment history, and original signed agreements.

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 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
During this time, I had just moved back with my parents with no job. As I was in the process of job hunting, my account got in the negatives from auto pay bills that used to occur when I was working. I let them know I will pay them when I find a job. Wells Fargo likes to add {$25.00} overdraft fees everyday and my overdraft fee was not high before they kept adding the fees. I thought when personal financial issues happen they are more lenient but I guess not. I have told them several times I will pay them every time I get money then ended up with a bill after they did not work a payment plan with 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
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
RECENTLY IVE REVIEWED MY CREDIT REPORT AND NOTICED THAT AN ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX IS ON MY PROFILE THIS ADDRESS DOES NOT BELONG TO ME AS I HAVE NEVER LIVED AT THIS LOCATION REMOVE ADDRESS IMMEDIATELY

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