vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments

have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XX/XX/XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am filing a complaint against Cash App regarding a {$60.00} payment sent on XX/XX/XX/XX/XXXXXXXX. 

While I initiated the payment, the funds are now sitting in an account my sister can not access. This means the money is effectively stranded and serves no benefit to me as the sender or to the intended recipient. 

Cash App denied my dispute solely on the basis that the payment was made from my device, but they have refused to assist in recovering the funds or reversing the payment despite knowing the recipient can not access the money. 

This is a failure of Cash Apps dispute resolution process and leaves me without a remedy for funds that are effectively trapped. I am requesting that the CFPB intervene to have Cash App credit my account or otherwise provide a way to reclaim the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
Heres a professional response you can use for the * * What happened? * * section, keeping it factual and neutral while clearly outlining the issue : -- - On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent Fair Collections & Outsourcing a formal written request for validation of an alleged debt they are reporting to the credit bureaus. The debt is supposedly related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but I have not received any documentation proving that this account is valid or that Fair Collections & Outsourcing has the legal right to collect on it. 

In my request, I specifically asked for : 1. The * * date of delinquency * * 2. The * * date of last payment * * 3. The * * date of charge-off * * 4. The * * full chain of assignment * * from the original creditor to the current agency 5. The * * original signed contract * * or agreement showing I am liable for the debt 6. An * * itemized accounting * * of the balance being claimed As of now, Fair Collections & Outsourcing has * * continued reporting this alleged debt to the credit bureaus without providing any of the requested validation * *. This is a violation of my rights under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * * and the * * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) * *.

I am simply requesting that they either provide proper validation or * * cease all collection and reporting activities * * until they comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XX/XX/XXXXSubject: Urgent Dispute  Fraudulent Accounts After Credit Bureau Data Breaches\n\nI am filing this complaint because my personal data was exposed in both the TransUnion andXX/XX/XXXX data breaches. Since those breaches, fraudulent accounts and inquiries have appeared on my credit reports that I never authorized.\n\nI have already submitted all required proof of identity and current address to each bureau by certified mail, and I have confirmation of delivery. I will not resend sensitive documents that are already in their possession.\n\nUnder the Fair Credit Reporting Act (FCRA), inaccurate or fraudulent information must be blocked or deleted promptly when identity theft is involved (15 U.S.C. 1681c-2). I therefore request that:\n\nTransUnion and XX/XX/XXXXimmediately remove or block all fraudulent accounts, inquiries, and addresses on my credit files.XX/XX/XXXXA fraud alert be placed on my credit files to prevent further misuseXX/XX/XXXXWritten confirmation be provided that these deletions and protections are completeXX/XX/XXXXThis complaint serves as a formal dispute and identity-theft report.XX/XX/XXXXFor XX/XX/XXXX, my engagement number is XX/XX/XXXXwhich should be referenced when processing this requestXX/XX/XXXXXX/XX/XXXXPlease act within the time required by law and confirm in writing when my credit files have been correctedXX/XX/XXXXThank you for your immediate attention to this matter.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 non-monetary relief
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I recently sent letters to companies stating to send me a purchase agreement and current amount owed. Its about four different companies. I sent out the letters about a month ago on the credit report is still showing as a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, Regional Acceptance Corporation ( RAC ) responded to my complaint but refused to delete the tradeline reporting an inaccurate balance of {$5400.00}. XX/XX/XXXXcompleted a reinvestigation on XX/XX/XXXX, and removed the tradeline as unverifiable. RAC admitted the correct balance was {$5300.00}, issued a 1099-C for that amount in XX/XX/XXXX, and reported a {$0.00} balance after discharge. Despite this, RAC has not removed the tradeline fromXX/XX/XXXX or XX/XX/XXXX, leaving my credit files inconsistent. RACs communication has also been unreliable, with discrepancies between their claimed mailing date and the USPS postmark. To support this complaint, I have included the following attachments : my correspondence letter to RAC, RACs response letter dated XX/XX/XXXX, the 1099-C form, and screenshots showing the inconsistencies in theXX/XX/XXXXandXX/XX/XXXX tradelines as well as the removal of the tradeline byXX/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 2025-09-15 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: CA

Complaint narrative:
I had a car financed with XXXX XXXX XXXX. In XXXX of XXXX, it was in an accident and was totaled. In XX/XX/XXXX, I received a letter from XXXX saying that payment of monthly amounts was no longer required, which I confirmed with a phone call. 

Primary and gap insurance both paid XXXX. I was unaware of any remaining amount due on the loan and XXXX never contacted me about any amount due. Rather than make me aware of this, XXXX instead sent it to collections and put a negative item on my credit reports. Furthermore, the negative credit report item was filed even before the XXXX deadline that the collections agent gave me to pay the amount due. Despite the fact that I have paid the amount due in full, XXXX refuses to reflect this on my credit report. I believe this is abusive and a clear breach of fair dealing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had an account with Bank of America ( henceforth, BoA ) for over 16 years, and on Friday, XX/XX/XXXX, They removed over XXXX XXXX dollars from my account with the charge code " Legal Order - LTS ''. I immediately reached out to BoA to rectify the issue, as I have had no legal cases or judgements against me at any point in my life. Furthermore, this is the second time this has happened - I originally submitted a complaint to the CFPB on XX/XX/XXXX, for this exact same issue, and the majority of the text of this complaint is modified from that same complaint. 

Upon reaching BoA 's Customer Service, the person assisting us informed me that there was a legal order requesting a bank levy against a person with my name - However, this person is not me and the SSN associated with the request is not my SSN. When I asked for more clarity, they informed me that I would need to go into a bank location in order to recieve further information - yet another hardship. 

Once providing information at the bank itself, it was determined that the lien was in fact made in error, and that it should be removed within " 3-5 business days ''. In addition, the bank also charged me a fee for processing this erroneous legal order, when it was their mistake. 

I find this unacceptable, as not only have I had several recurring charges that go to this account get declined or bounce back, I have been unable to pay for my daily necessities, such as food, travel to my place of work, and this issue would preclude me from paying rent, thus launching me into financial precarity through no fault of my own. 

On Monday, XX/XX/XXXX, I called the customer service line for BoA, and they informed me that I needed to contact the original creditor to prove it was not me. When I contacted the creditor, they informed me that they could give me no information, because I do not have an account/case with them because it is not my debt. I then reached out to BoA and was told to go into a bank location inorder to resolve the issue. Once sent there, I was told that I'd need to get in contact with the legal department. I work a XXXX, so I am not able to spend hours on the phone with the Bank to resolve an error that they caused and have shown absolutely no interest in resolving.

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 2025-09-15 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: MS

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 & TransUnion credit report on XX/XX/2025 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 non-monetary relief
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief