vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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:
Experian, TransUnion, and Equifax are reporting inconsistent and unverifiable information on my credit reports, despite multiple disputes. Examples include : - Late payment inconsistencies : The same accounts are reported differently across bureaus. For example, XXXX XXXX XXXX XXXX ( credit card and auto loan ) shows 30/60/90/120-day late payments depending on the bureau. XXXX and XXXX XXXX accounts also show different late histories across reports. - Debt inaccuracies : XXXX is reported with conflicting balances ( one account settled at {$0.00}, another showing {$1400.00} balance ). Collections accounts show a {$430.00} balance reported differently across bureaus. XXXX and XXXX XXXX XXXX loan balances are also inconsistent. - Unverifiable information : Some accounts show as charge-offs on one bureau, but with unknown or different statuses on others. XXXX accounts show on Experian but not on TransUnion/Equifax. These discrepancies demonstrate that the information is not accurate, consistent, or verifiable, as required under the Fair Credit Reporting Act ( FCRA ). I request that the CFPB ensure the credit bureaus and creditors provide documented proof of the accuracy of these accounts. If they can not provide proper verification, I request that the inaccurate late payments, charge-offs, and collections be deleted from my reports.

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 2025-08-28 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: FL

Complaint narrative:
Experian, TransUnion, and Equifax are reporting inconsistent and unverifiable information on my credit reports, despite multiple disputes. Examples include : - Late payment inconsistencies : The same accounts are reported differently across bureaus. For example, XXXX XXXX XXXX XXXX ( credit card and auto loan ) shows 30/60/90/120-day late payments depending on the bureau. XXXX and XXXX XXXX accounts also show different late histories across reports. - Debt inaccuracies : XXXX is reported with conflicting balances ( one account settled at {$0.00}, another showing {$1400.00} balance ). Collections accounts show a {$430.00} balance reported differently across bureaus. XXXX and XXXX XXXX XXXX loan balances are also inconsistent. - Unverifiable information : Some accounts show as charge-offs on one bureau, but with unknown or different statuses on others. XXXX accounts show on Experian but not on TransUnion/Equifax. These discrepancies demonstrate that the information is not accurate, consistent, or verifiable, as required under the Fair Credit Reporting Act ( FCRA ). I request that the CFPB ensure the credit bureaus and creditors provide documented proof of the accuracy of these accounts. If they can not provide proper verification, I request that the inaccurate late payments, charge-offs, and collections be deleted from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-28 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXXSent Certified Letter with return receipt requested XXXX XXXX XXXX XXXX Block Inc legal received XXXX XXXX XXXXMy Cash App account was closed for allegedly violating terms and conditions. Account contained Stocks and Bitcoin. Requested my funds, Bitcoin and Stock be returned. for the past XXXX  years have received the same response;" Your account has been closed for violating terms and conditions". But no return of my assets. A summary of my letter is below with personal information removed.XXXXSubject: Formal Demand for Recovery of Digital Assets from Deactivated Cash App AccountXXXXDear Cash App Support / Legal Department,XXXXI am writing to formally demand the release and transfer of assets held in my Cash App account, which was deactivated over XXXX  years ago for an alleged violation of your Terms of ServiceXXXXSince that time, I have made multiple attempts to resolve the matter through your support channelsincluding inquiries filed under Case Numbers XXXX XXXX XXXX XXXXbut have received no satisfactory resolution or response. The prolonged silence and lack of a transparent appeals process are unacceptable, especially considering the value of the assets involved.XXXXAccount Details:XXXXName on Account: XXXXXXXXPhone number on Account:XXXXLast Known Holdings:XXXX XXXX shares of XXXX XXXX XXXX (XXXXXXXXWhile I understand Cash App reserves the right to restrict accounts due to policy violations, I am deeply concerned by the absence of a clear explanation, due process, or opportunity to recover funds. These assets are legally mine, and I have acted in good faith in seeking resolution.XXXXI am requesting the following:\XXXXA full review and formal explanation of my accounts deactivation.XXXX\tImmediate release or transfer of the digital assets listed above.XXXXWritten confirmation of steps being taken, within XXXX  business days of receipt of this letter.XXXXFailure to respond will compel me to escalate the matter by filing formal complaints with the Consumer Financial Protection Bureau, the Office of the Attorney General of Virginia, and pursuing legal action via small claims court or other appropriate avenues.XXXXI remain committed to resolving this matter amicably and appreciate your urgent attention.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX BALANCE {$180.00} DATE OPENED XX/XX/year> ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$360.00} DATE OPENED 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 2025-08-28 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 am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX BALANCE {$180.00} DATE OPENED XX/XX/year> ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$360.00} DATE OPENED XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute multiple accounts currently listed on my credit file. I have never authorized or consented to these debts or accounts, except where noted, and I did not give permission for the reporting of inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and, for medical accounts, the Health Insurance Portability and Accountability Act ( HIPAA ), I demand immediate reinvestigation and removal of any unverifiable or inaccurate information. FCRA - 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of the information they report.

- FCRA - 15 U.S.C. 1681i ( a ) : Requires a reasonable reinvestigation of disputed information within 30 days.

- FCRA - 15 U.S.C. 1681c-2 : Governs reporting of medical debts, requiring accuracy and compliance with time limits.

- FDCPA - 15 U.S.C. 1692g : Grants consumers the right to request validation of debts.

- FDCPA - 15 U.S.C. 1692e ( 8 ) : Prohibits communicating false or misleading information to credit reporting agencies.

- HIPAA - 45 CFR 164.502 & 164.508 : Prohibits unauthorized disclosure of protected health information without written consent.

My Demands : 1. Provide full validation for each account, including copies of any original signed contracts or agreements proving I am liable.

2. For medical accounts, provide proof of HIPAA-compliant authorization allowing the disclosure of my information to you.

3. If you can not validate the accuracy and legality of any account, delete it immediately from my credit file.

4. Provide me with the name and contact information of the original creditor and any third-party furnishers of this data.

5. Send me written confirmation of the results of your reinvestigation within the 30-day period required by law.

Notice of Intent : If these accounts are not removed or corrected within 30 days, I will file complaints with the Page 2 Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Health and Human Services ( for HIPAA violations ), and my state Attorney General 's office. I reserve the right to seek all remedies available under the law for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 disputing inaccurate, incomplete, and misleading information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 605 ( c ), and 605B. Several accounts on my credit report are being reported inconsistently across the credit bureaus, contain contradictory notations, or lack proper validation. This creates a distorted and unfair picture of my credit history, which violates the FCRAs requirement of maximum possible accuracy. I am disputing the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}. In addition, I am disputing unauthorized inquiries and inaccurate personal information that do not belong to me. These inquiries appear to be the result of a mixed file or mistaken identity, which directly violates FCRA 605B. Maintaining information that does not pertain to me increases the risk of further inaccuracies and identity confusion in my file.Unauthorized Inquiries ( FCRA 605B ) : The following hard inquiries do not belong to me and appear to be the result of a mixed file or mistaken identity : XXXX BANK XXXX XX/XX/XXXX ( including a duplicate entry ), XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX. These inquiries were not authorized by me and must be removed. Maintaining inquiries that do not pertain to me violates 605B and increases the risk of future inaccuracies or identity confusion. My credit file also contains personal information that is inaccurate and not associated with my true credit history : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These addresses are incorrect and misleading, and their continued presence suggests potential identity errors or mixed file issues. Only my verified current and past addresses should remain on 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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Well I had my ex girlfriend she stayed over and used the card multiple times and open up 2 cards cause I left my social laying around also have a police report I made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
I am filing a complaint against Rent Recovery Solutions regarding an alleged apartment debt that I dispute. 

I moved out of my apartment in XX/XX/year>2022 and never received any final bill or notice that I owed a balance. I only recently discovered this account after it was reported to my credit report nearly four years later.

This situation raises multiple legal issues : 1. Failure to Provide Timely Notice ( Louisiana Law ) : Under La. R.S. 9:3251, a landlord must provide an itemized statement of any charges within 30 days of lease termination. I never received such a statement or notice of charges.

2. Fair Debt Collection Practices Act ( FDCPA ) Violation : Rent Recovery Solutions never sent me the required written notice within five ( 5 ) days of initial communication advising me of the alleged debt and my right to dispute it, as required by 15 U.S.C. 1692g. Instead, the debt was reported directly to the credit bureaus without proper validation.

3. Fair Credit Reporting Act ( FCRA ) Violation : I am concerned that this debt may have been improperly re-aged or inaccurately reported in violation of 15 U.S.C. 1681s-2, since it was not reported until years later.

I am requesting the CFPBs assistance to ensure that : Rent Recovery Solutions provides full validation of this alleged debt, including the original lease, itemized statement of charges, proof of timely notice, and the correct date of first delinquency.

If they can not validate, the debt should be removed from all credit reporting.

Any violations of federal or state law are addressed.

This collection account is damaging my credit and I never received any opportunity to review or dispute the charges at the time they were allegedly incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I NEVER GAVE ANY IF THE CREDIT REPORTING AGENCIES PERMISSION TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION NOR DID I GIVE CONSENT FOR THEM TO ADD ANYTHING ON MY CREDIT REPORTS. ACCORDING TO FCRA 15 USC 1681B PERMISSIBLE PURPOSES ANY CREDIT REPORTING AGENCIES WANTING TO ADD ANYTHING ON MY CREDIT REPORTS MUST RECIEVE MY WRITTEN CONSENT AND IF I DID NOT GIVE AUTHORIZATION THEY ARE IN VIOLATION OF THE FCRA. IN REGARD TO THE CHARGE OFFS THE IRS PUBLICATION AND LAWS STATES THAT CHARGE OFFS ARE CONSIDERED A CERTIFICATE OF INDEBTEDNESS WHICH IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED ON MY CONSUMER REPORTS PURSUANT TO 26 USC 61/26 CFR 1.643/20 CFR 211.2. BASED UPON THE LAWS THAT I HAVE POINTED OUT IT IS VER EVIDENT THAT THE CREDIT REPORTING AGENCIES VIOLATED MY CONSUMER RIGHTS. IF THEY DO NOT RECTIFY THESE ERRORS I WILL SEEK LEGAL ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
account reporting charge off every month, bankruptcy, late payments I do not recognise, a lot of address in my file they won't remove phone numbers that I don't recognise fail to comply with request

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
account reporting charge off every month, bankruptcy, late payments I do not recognise, a lot of address in my file they won't remove phone numbers that I don't recognise fail to comply with request

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 2025-08-28 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: Early Warning Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent banking-related accounts and negative information appearing in both my personal XXXXXXXX XXXX XXXXXXXX or XXXX XXXX XXXX file and the business file of XXXX XXXX  XXXX XXXX XXXX which I, XXXX XXXX XXXX XXXX XXXX the owner. Neither I, XXXX XXXX XXXX, nor my business, XXXX XXXX XXXX, authorized or opened the accounts in question. These fraudulent accounts were created as a result of identity theft and must be deleted immediately. The following financial institutions are being inaccurately reported under my name and/or my business : XXXXXXXX XXXX Credit Card and accounts XXXX XXXX  XXXX Credit Card and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX ( XXXX XXXX XXXX XXXX ) accounts XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Credit Card and Bank Account XXXX XXXX Bank Account XXXX XXXX  account These entries are false, unauthorized, and damaging. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, XXXX is required to block and delete all identity theft-related information upon receipt of proper documentation. Enclosed with this letter are the following supporting documents : FTC XXXX Theft Report ( including affidavit ). Letter from my attorney verifying the identity theft case. Copy of my government-issued ID. Proof of current address. Business documents for XXXX XXXX XXXX ( including EIN/Business ID ). Also please update my address and phone number of file to my current ones. I have attached supporting documents for the address change My address at the time of all this fraud was XXXX XXXX XXXXXXXX XXXX XXXX XXXX My current address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX my current phone number is XXXX

Company response to consumer: Closed with explanation