vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
This reporting inaccurately reflects my payment consistency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MI

Complaint narrative:
Hi, I received a letter stating that they don't recognize my request to check the records and dispute them. 
This is the second letter they are disputing. 
Today, on a phone call with XXXX from Experian, she stated that they had all the information, but for some reason, they didn't process it. First, she told me I didn't submit the verifying paperwork. When I provided it to her, she said that it was there, but their systems just didn't recognize it, and the only way to do it was to submit again. 
I had to submit again by phone today, and I don't think it's fair since they didn't do the job for the second time. 
The first time is possible, the second time they are playing games. 
I need them to submit the report in the time allotted to do so, which is my understanding, 30 days. This was received on XX/XX/XXXX, and the letter shows the report number : XXXX for XX/XX/year> I want a resolution to this issue. I feel they are playing games with my time and my information, and they are not complying with the law. 

Thank you very much!!! 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax, I am writing to inform you that I have never given written consent for you to furnish or obtain my personal information. According to 15 USC 1681B, it is required that a consumer gives written consent before their information can be shared or accessed by a credit bureau.

Furthermore, I would like to draw your attention to 15 USC 6802, which outlines the obligations of credit bureaus to protect consumers ' information and ensure its accuracy. By obtaining my information without my consent, you are in violation of this law.

In addition, I would like to remind you of 18 U.S. code 1028A, which prohibits the use of false statements or documents to obtain personal information. By obtaining my information without my consent, you are potentially violating this law as well.

I am also aware of the Fair Credit Reporting Act ( FCRA ) laws, which protect consumers ' rights to privacy and accurate credit reporting. By obtaining my information without my consent, you are not upholding the principles of fair and accurate credit reporting as outlined in the FCRA laws.

I demand that you cease any further actions involving my personal information without my explicit written consent. I expect a prompt response confirming that my information will no longer be accessed or shared without my consent. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I believe this was a false number : XXXX ( XXXX ) XXXX They were claiming to be Chase Credit. They had most of my general information, including the last 4 of my SS #. They did not have my address, but claimed someone opened an account in my name to purchase fire arms, so they need to investigate and report to Homeland Security. They would not close at my request but wanted to verify my information. I spoke no further. 
I called the number back and got a general answering machine ( not Chase ). I then texted the number & it went through. A business phone system would not have texting on the same line as a talking line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
I am a consumer with a mortgage serviced by 21st Mortgage Corporation. I have a documented XXXX ( XXXX XXXX XXXX ) that makes telephonic communication medically inadvisable due to XXXX XXXX. I have formally requested a Reasonable Accommodation under the XXXX XXXX XXXXXXXX XXXX ( XXXX ) and the Fair Housing Act to communicate regarding my loan exclusively via email or writing. 

On XX/XX/year>, at approximately XXXX XXXX XXXX  I attempted to resolve a delinquency. 21st Mortgage 's representative ( a " Supervisor '' ) refused to provide me with a written reinstatement quote or loss mitigation options. Instead, the Supervisor engaged in abusive and intrusive questioning regarding my personal medical and household expenses. Specifically, the Supervisor interrogated me about the cost of my " medication '' and the cost of " veterinary care '' for my pet, implying that I should prioritize their payment over my health needs.

The Supervisor falsely stated I was " always late, '' despite my history of paying within the contractual 15-day grace period. When I asked if they wanted to repossess the home, the Supervisor stated, " No, its not that we want the house, you need to pay your bills, '' yet refused to provide the payment amounts in writing so I could do so.

Following this call, I sent a written request to 21st Mortgage reiterating my need for email communication due to my XXXX. Their representative, XXXX XXXX, replied in writing : " We do not offer deferments. Please call in to discuss the account. '' They have since refused to provide a written repayment plan or cure amount. 

This conduct constitutes : Harassment and Abuse ( UDAAP ) by interrogating me about medical/personal expenses. 

Denial of Reasonable Accommodation by refusing email communication for a XXXX consumer. 

Unfair Practices by refusing to provide a written reinstatement figure, effectively blocking my right to cure the default under Michigan law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
I sent two payments of bitcoin to a seller on cashapp. XXXX for XXXX and another for XXXX I was supposed to receive two books for those payments but instead got scammed. Cashapp tells me there is nothing they can do about it and to just try to avoid scams. Id like to get my money back and I know Theres a way cash app can make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate information on my credit report. I am requesting a reinvestigation and correction under the Fair Credit Reporting Act. 

Charged-Off Account in Dispute Experian is reporting the following account, which I believe is inaccurate in its balance, status, or reporting details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported since XX/XX/year> Balance : {$1800.00} This information appears to be incomplete or incorrect, and I am requesting that Experian verify the account directly with the furnisher. If the information can not be fully validated, I am requesting it be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Chronology of Events XX/XX/XXXX XX/XX/XXXX : XXXX XXXX XXXX issued repeated notices for disconnection and suspension while service was moved XX/XX/XXXX : XXXX XXXX XXXX issued a 'Final Notice Balance {$250.00}. ' XX/XX/XXXX : XXXX XXXX sent XXXX XXXX XXXX and its registered agent a Final Notice of Dispute of Debt under XXXX. XX/XX/XXXX : Credence Resource Management replied that 'charges are valid, ' citing an alleged past-due balance Ongoing : Credence continues collection and potential credit reporting without verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I have no connection to these accounts and ask that they be taken off within 15 days under FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I am on my 4th round of disputes due to the fact that I was involved in a data breach in the credit reporting agency and they refuse to remove the fraudulent information from my credit report. to include, Letter 1 : Personal InformationI Correct Information to Remain : Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone : XXXX Information to Remove : All previous addresses ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) All name variations. Under the Fair Credit Reporting Act ( FCRA 609, 611 ), I request that you investigate and correct these discrepancies. Please provide written confirmation of the corrections. Account Dispute Dispute of Inaccurate/Unverifiable Accounts FCRA 611. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please remove any inaccurate information. Under FCRA 611, you are required to delete information that can not be verified. I am requesting removal of the following hard and soft inquiries from my credit report, as I did not authorize them or they are obsolete : [ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; Experian XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under FCRA 604 ( a ) ( 3 ) and 611 , I request these inquiries be deleted from my credit file .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  XXXX -- Balance : {$760.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
XX/XX/year> I received a text message from Bank of America asking if I requested to wire XXXX I replied with a NO, I immediately called them using the number on the back of my card to tell them what happened and that I did not approve any transaction. They canceled that card and sent me a replacement card, I also changed my password to BOA. I called back XX/XX/XXXX to find out that they released XXXX to a Bank called XXXX XXXX XXXX. I told them I did not approve that transaction and immediately filed a dispute regarding that transaction. BOA told me to call the bank however, because I don't have an account with that bank nor have I ever heard of it they told me they can't help me and I need to call BOA. I have called almost every day to get this resolved. XX/XX/year> I received a letter from BOA that they were unable to approve my claim. XX/XX/XXXX, I called again to open a claim and this time escalated the issue to a manager. I have also reached out to my local Sheriff Department to file a claim on this. I do believe I am victim of a phishing scam.

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 monetary relief
Consumer complaint received 2025-11-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation