vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: MO

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

Company 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 2025-11-06 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: NC

Complaint narrative:
I am requesting a full reinvestigation of the following charged-off accounts currently being reported by TransUnion. I believe these items may contain inaccuracies or unverifiable data. 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00} XXXX XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX  XXXX AUTO XXXX XX/XX/XXXX {$420.00} XXXX  XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX  XXXX XX/XX/XXXX {$420.00} XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX  XXXX XX/XX/XXXX {$950.00} XXXX  XXXX XXXX XX/XX/XXXX {$840.00} XXXX  XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Late Payment in Dispute : XXXX  XXXX Please verify the accuracy of the late payment information and remove it if it can not be validated.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on a single account by Equifax. According to their records, several payments are being falsely reported as late, even though they were made on time. This misinformation has negatively affected my credit score and caused unnecessary frustration and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am submitting a dispute regarding the following items on my Experian credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-06 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: GA

Complaint narrative:
b"I am trying to buy a house and I am not able to as there is damage to my credit. According to the 15 U.S.C 1681 this is a deformation to my character and I am asking for you to remove these items off of my report.\n\nAs of XXXX XXXX XXXX XXXXEquifax 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

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Klarna AB
State: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Klarna Account Reporting Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am filing this complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute the reporting of a Klarna Buy Now, Pay Later account that appears on my XXXX  credit file.

This account is not mine, and the information being reported is false and materially misleading. The entry shows a {$280.00} balance and indicates late payments beginning in XXXX, which is inaccurate. I have never opened or authorized any account with Klarna, and I have no outstanding or historical balance with this company.

Pursuant to 15 U.S.C. 1681i ( a ), I am formally requesting a reinvestigation of this disputed information. Under this section, XXXX  and Klarna are required to : 1. Conduct a reasonable investigation of the disputed information within 30 days of receiving notice.

2. Review and consider all relevant evidence submitted by me.

3. Delete or correct the inaccurate, incomplete, or unverifiable information from my credit file.

Furthermore, under 15 U.S.C. 1681s-2 ( a ), Klarna as a furnisher of information is legally obligated to provide accurate information to credit reporting agencies and must promptly correct or delete any data found to be inaccurate or incomplete. The continued reporting of this false account constitutes a direct violation of the FCRA.

This inaccurate report has caused harm to my credit reputation and may impact future credit opportunities. I am requesting immediate investigation and deletion of this false account from my credit report.

I also request written verification from both Klarna and XXXX that substantiates the validity of the account, including any signed agreements or documentation evidencing my consent or use. If no such documentation exists, this account must be deleted immediately in accordance with 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply with the FCRA obligations outlined above may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual, statutory, and punitive damages, as well as attorneys fees.

Please acknowledge receipt of this complaint and provide confirmation once the reinvestigation has been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
I am submitting a dispute regarding the following accounts on my TransUnion credit report. I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 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 XXXXXX/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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to report ongoing inaccuracies in my TransUnion credit report, specifically regarding the incorrect name, address, and telephone numbers listed on my file. The name reported as " XXXX XXXX XXXX " is inaccurate because I am not a Senior, and this error is negatively affecting my credit report. Additionally, an incorrect address of XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has been reported, which is not my address and must be immediately removed. Furthermore, several incorrect telephone numbers are listed, including ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX. These numbers are not mine, and I request that they be deleted from my credit file immediately. I have provided supporting documentation, including a government-issued ID and utility bill, to verify my correct information. Due to the FTC website shutdown, I was unable to file a new FTC Identity Theft report, which has further complicated my ability to resolve this matter. I request that TransUnion correct my name, address, and telephone numbers promptly to prevent further damage to my credit report and ensure the accuracy of my 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 non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I respectfully request that each bureau investigate the listed accounts separately, as per their obligations under the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 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 non-monetary relief
Consumer complaint received 2025-11-06 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 deeply heartbroken and exhausted after reviewing my credit reportand once again finding fraudulent loans and accounts that I do notrecognize. These accounts are not mine, yet my personal information has been stolen and misused, and despite my repeated pleas for help, the credit bureau has refused to give me a solution. I feel helpless and desperate because this situation continues to destroy my peace of mind.Listed below is one of the fraudulent accounts that must be removed without delay : 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 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 XXXXXXXX did not authorize or apply for any of these accounts. They are the direct result of identity theft, and I urgently request that each of these fraudulent accounts be investigated, blocked, and deleted from my credit reports 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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: NC

Complaint narrative:
The company/debt collection agency are harrassing me and representing themselves as an attorneys office. They are continuously contact me, my place of employment and my relatives.

The FCRA makes it illegal for debt collectors to communicate false credit information.

15 U.S.C. 1681, is a federal law that regulates the collection, accuracy, and privacy of consumer credit information by consumer reporting agencies. It requires that consumer information be accurate, fair, and confidential. The collection agency has breeched each of these regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am submitting this complaint because the credit bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) in relation to my previous disputes. 
On multiple occasions, I have formally disputed inaccurate or unverifiable accounts appearing on my credit reports, specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my written requests under FCRA 609 ( a ) ( 1 ) ( A ) and 611, the credit bureaus have failed to provide proper verification or original documentation that substantiates the accuracy of the negative information being reported. 

The responses I received were generic and automated, lacking any supporting evidence such as : The original signed credit application, Detailed billing and payment history, Written notices of delinquency or correspondence from the creditor, Proof that these accounts were legally verified by the data furnisher. 

This violates my rights as a consumer under XXXX5 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 1681s-2 ( a ) ( 1 ) ( A ), which prohibit furnishing or maintaining inaccurate information once a dispute has been made.

I have sent two written disputes requesting reinvestigation and proper validation, yet the accounts continue to be reported without full verification. This continued reporting is causing harm to my creditworthiness and preventing me from obtaining fair access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: WI

Complaint narrative:
Kindly assess the materials provided ; these inquiries took place without prior notice and could be unauthorized.

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 2025-11-06 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: CA

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX charge was made to my Cash App XXXX card for {$49.00}. I did not authorize or take this ride. I filed a dispute with Cash App, and the dispute team refunded the tip portion of the purchase but denied a refund for the ride. However, the ride and the tip are a single transaction. Refunding part of the charge confirms that the transaction was unauthorized. 

Cash App asked me to contact the merchant. I contacted XXXX and obtained written confirmation that the ride was canceled and that they instructed the issuing bank to process the refund. Cash App still denied the remaining refund.

I provided screenshots showing : Partial refund of the tip Denial of the full charge Confirmation from the merchant of refund authorization Proof I did not authorize or take this ride Despite this, Cash App closed the dispute and stated no further action will be taken. I am requesting CFPB assistance because Cash App acknowledged the transaction was unauthorized by refunding part of it, but refuses to refund the rest of the same charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Im unconnected to these accounts and request removal within 15 days pursuant to USC 1681g.

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 2025-11-06 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: KY

Complaint narrative:
I am submitting this request to Equifax to investigate and correct discrepancies in my credit report. The following accounts are inaccurately reported and need to be reviewed for correctness. Additionally, I request that any negative information which can not be verified or is inaccurate be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$5900.00} INQUIRIES XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX, Account No. XXXX XXXX, Account No. XXXX XXXX XXXX, Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are unrelated to me and should be removed within 15 days as required by USC 1681g.

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 2025-11-06 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 am requesting a reinvestigation of the following accounts that are appearing as charged off or delinquent on my Equifax report.

I do not believe all of these accounts are being reported accurately. If Equifax or the furnisher can not verify the accuracy with proper documentation, I request that these accounts be deleted or corrected immediately.

Charged-Off Accounts in Dispute : XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Late Payment Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these late payment notations and remove any that can not be substantiated with full payment history records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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