vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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 writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-06-28 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-28 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: TN

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account was closed XX/XX/year> because I have allegedly violated their terms and service.

I asked them to do a review of my account closure, and they replied with the following : We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service including payment activity related to gambling ( raffles, lotteries, casinos, XXXX, betting of any kind, among others ) along with other potential violations Today they havent been able to tell me nor support what activity they used to come up with the decision to close my account.

My repeated inquiries bring no further resolution and they keep circling back that the decision is final. I continue to contact customer support, and I get the same over and over : Complaints are logged for internal review and used to improve customer experience, this complaint isn't related to the resolution about your account closure.

Your appeal case has been reviewed and resolved already, it's impossible to change the account closure status as mentioned in the resolution from our specialty team.

This specialty team seems untouchable and unwilling to hear the explanation that the {$750.00} deposit I received ( which I dont even know if thats the one that they alleged violated the terms and service!! ) was payment for a youth coaching strength and conditioning clinic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> TRUIST Re : Dispute of Incorrect Credit Reporting and Notice of Securitization : Dear TRUIST, I am writing to formally dispute and address the incorrect reporting of the above-referenced account to the credit bureaus. According to my records, this account was charged off ; however, I have noticed that a balance continues to be reported as due, which constitutes a violation of applicable laws, including recent case law in the United States. 

Under federal and state fair credit reporting laws, any reporting of a charged-off account that still shows a balance due is inaccurate and misleading. Specifically, the misreporting of this account adversely impacts my credit score unjustly, and I contend that the continued reporting of an outstanding balance after a charge-off constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and relevant case law, such as the US Supreme Court rulings affirming the importance of truthful and complete credit reporting.

Furthermore, I wish to bring to your attention the securitization of debts, which complicates the traditional ownership and reporting processes. If this account has been securitized or transferred through third parties, proper documentation must be provided to establish your authority to report this debt. Any failure to do so violates my rights and the accuracy standards mandated by the FCRA. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
This CFPB complaint is submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block from my consumer credit report any information resulting from identity theft and fraud within four business days of receiving this complaint.

The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency.

I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed inquiries.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Accounts and/or inquiries have been made using my personal information without my authorization. I did not initiate or approve these actions, and I am requesting that the fraudulent information be investigated, removed, and blocked from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-28 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: GA

Complaint narrative:
I am a victim of identity theft. Accounts and/or inquiries have been made using my personal information without my authorization. I did not initiate or approve these actions, and I am requesting that the fraudulent information be investigated, removed, and blocked from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: VA

Complaint narrative:
I submitted a written dispute to Experian and Transunion on XX/XX/year>, requesting the removal of inaccurate personal information under 15 U.S.C. 1681g and 1681i. I provided a copy of my ID, SSN, and proof of address. As of XX/XX/year> 30 days later Experian and Transunion has failed to update my report. It still lists incorrect name variations, phone numbers and outdated addresses. I am requesting the CFPB to compel Experian and Transunion to comply with the Fair Credit Reporting Act and remove this inaccurate data.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I started financing a used car with this company Named XXXX XXXX, On XX/XX/XXXX XXXX XXXX and they said they were gon na report my credit to Equifax, Ive never been late on a payment but they still not reporting to the credit bureau. Ive paid XXXX payments of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> DIGITAL EFCU Subject : Dispute of Incorrect Reporting and Unauthorized Securitization of Charged-Off Account Dear DIGITAL EFCU, I am writing to formally dispute the reporting of the account referenced as [ Account Number or Description ] on my credit report, which you are currently reporting to the credit bureaus as a charged-off account. This reporting is factually inaccurate for the following reasons, and I request immediate correction. 

Most critically, your organization no longer owns this account. As evidenced by the issuance of a Form XXXX, you have written off the debt as a loss, and consequently, the debt has been securitized or transferred to third-party investors or entities. Under the principles of securitization and established case law ( notably in USC case law ), once a debt has been securitized and a 1099-C has been issued, the original creditor no longer maintains ownership or the authority to report the account as a delinquent or charged-off debt. 

Furthermore, reporting this account as a collection or charged-off account when you no longer have ownership constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related statutes, which prohibit inaccurate or misleading information. It also violates your obligations under the Fair Debt Collection Practices Act ( FDCPA ) and relevant case law concerning the rights of debtors and the proper reporting of securitized debt.

Therefore, I demand that : 1 You immediately correct the reporting to accurately reflect that you no longer own this debt.

2 Remove all negative entries related to this account from my credit report. 

XXXX Provide documentation evidencing your legal ownership of the account at the time of the reported delinquency, including a clear chain of title or securitization trust documentation. 

Failure to correct this inaccurate reporting adversely affects my creditworthiness and constitutes a violation of applicable laws. If necessary, I will not hesitate to escalate this dispute to the Consumer Financial Protection Bureau, the Federal Trade Commission, or pursue legal remedies to rectify this matter. 

Please acknowledge receipt of this dispute within 30 days and confirm that you will take corrective action promptly. I look forward to your swift cooperation in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NM

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crimePlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. ]. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( XXXX ) be removed acct # XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 hope this message finds you well. I am writing to follow up on my previous communication regarding the negligence observed in the handling of my credit report. As per the Fair Credit Reporting Act, specifically under section 605B, I request a comprehensive investigation into the items listed on my credit report that have raised concerns due to inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$680000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous communication regarding the negligence observed in the handling of my credit report. As per the Fair Credit Reporting Act, specifically under section 605B, I request a comprehensive investigation into the items listed on my credit report that have raised concerns due to inaccuracies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$680000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
T

he glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-06-28 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:
This account with XXXX XXXX Bank was opened in XX/XX/year> with a credit limit of {$5000.00}. A balance of {$6400.00} is now being reported as charged off on all three credit bureaus. 

I fell behind on payments due to financial hardship, but I was not notified in writing that the account would be charged off or given the opportunity to settle before it became derogatory. 

There are inconsistencies in the way the account is reported across TransUnion, Experian, and Equifax including differences in last payment dates, credit limits, and last active dates. These inconsistencies impact my credit score and violate the principle of accurate and consistent credit reporting under the Fair Credit Reporting Act ( FCRA ). 

I am requesting either a validation of the current balance, or an opportunity to resolve this account in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 have submitted previous disputes to TransUnion concerning questionable and possibly inaccurate entries on my credit file. However, I have yet to receive any official investigation results or updates. This delay is unacceptable and violates my rights under the FCRA, which requires that they conduct and communicate dispute investigations promptly and transparently.

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 2025-06-28 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I looked at my XXXX XXXX Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief