vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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:
This statement is a formal notice that the XXXX XXXX account number XXXX appearing on my credit report was opened fraudulently and without my authorization or consent. I did not apply or open or benefit from any account with XXXX XXXX. Under the Fair Credit Reporting Act and related federal statutes, I am exercising my rights to have this inaccurate and fraudulent information immediately blocked and removed from my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ), upon receiving this notice that this information resulting from identity theft and fraud must be blocked by the reporting agencies within four business days of receiving. Continuing to report a fraudulent account that you have been notified of constitutes a violation of federal law and subject your agency and the furnisher to liability under 15 U.S.C. 1681n willful noncompliance and 1681o negligent noncompliance.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Richmond, Inc.
State: TX

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX Subject : Cease and Desist Notice Dear XXXX XXXX XXXX XXXX I am writing to inform you that I am formally requesting you to cease and desist all contact and communication with me regarding any alleged debt or matter unless it is in strict compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

You are hereby notified that any further attempts to contact me, including by phone, mail, email, text message, or any other means, other than to provide the verification of the alleged debt or to inform me of specific legal action, will be considered a violation of my rights under federal law. 

Be advised that failure to comply with this notice XXXX result in me pursuing all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the Office of the Attorney General, as well as civil action against your company or its representatives. 

Please confirm in writing that you have received this notice and that you will honor my request. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
late inquires that werent suppose to be submitted to credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AR

Complaint narrative:
Spoke with customer service rep the day my account was froze for suspicion activity on XX/XX/XXXX. My employer deposited my weekly check of $ XXXX XX/XX/XXXX, i attemtped to transfer my money into my checking account and Cash app suspended my account not allowing me access to my money.made XXXX separate calls the same day to cash app, all they would tell me is after an investigation XXXX the XXXX unlock my funds. Spoke with customer service again on XX/XX/XXXX requesting on update in my account, no info was given. Asked why they did not request personal info verification from me to help with my identity. No answer given. XXXX with a customer service rep again on XX/XX/XXXX, the rep was rude and told me I had to wait without any info given. Attempted to message a rep thru the app snd was ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX is willfully furnishing and perpetuating false credit data for an account that was settled in full years ago with XXXX XXXX XXXX XXXX Relevant facts and dates : Last payment on account : XX/XX/XXXX ( per furnisher reporting ). 
Account was charged off/ written off in the amount of {$2100.00} ( reported as written-off in XX/XX/XXXX on consumer report ). 
I settled the account in full with XXXX XXXX XXXX years ago ( documentation available ). 
Despite settlement, XXXX XXXX XXXX/Mercury continues to report the tradeline as a charge-off / transferred / written-off account and has provided updated reporting as recently as XXXX ( showing new reporting activity ), which is objectively false. 
Actions taken by me : I provided documentation proving the account was settled in full and requested correction via bureau disputes. 
I filed disputes with the credit bureaus XXXX XXXX XXXX XXXX XXXX and included screenshots and settlement proof. 
I filed a CFPB complaint after furnisher/bureaus failed to correct or delete the inaccurate tradeline. 
Why this is unlawful and harmful : XXXX XXXX XXXXMercurys continued reporting of an unsettled/charged-off status after full settlement violates multiple provisions of the Fair Credit Reporting Act, including 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ), 623 ( a ) ( 2 ) ( failure to correct or update information after notice ), 607 ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ), and 605 ( c ) ( misrepresenting the reporting period ). 
Continuing to report a charged-off balance and updated XXXX activity after full settlement is effectively re-aging the account and unlawfully extending the negative reporting period. This materially harms my creditworthiness, ability to obtain credit, and causes economic injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am disputing the accuracy of a charge-off account reported by XXXX XXXX XXXX account ending in XXXX, on my credit report. 

The information is inaccurate and unfairly reported, in violation of the Fair Credit Reporting Act ( FCRA ). The account was settled & reported inconsistently across bureaus ] yet continues to appear as a charge-off. 

I previously requested validation and correction directly with the furnisher and the credit bureaus, but the issue remains unresolved. 


This account violates XXXX XXXX & FCRA. Charged off but still reports a balance & monthly terms. XXXX re-aged, incomplete data ( no credit limit, terms, recent pmt )

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Experian, Equifax, & Transunion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$120000.00} from the XXXX XXXX XXXX XXXXXXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, 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 2025-10-27 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:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Experian, Equifax, & Transunion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$120000.00} from the XXXX XXXX XXXX XXXXXXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, 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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Continued Reporting of Fraudulent and Unverified Information Violation of FCRA 605B, 607 ( b ), 611 ( a ), and 623 ( b ). I am writing in direct response to your recent CFPB submission dated XX/XX/XXXX, in which Experian stated that the disputed information on my credit file was verified as accurate. Your response fails to satisfy your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), and does not address the identity theft documentation and verification requirements that I submitted. As stated in my original CFPB complaint, I filed an FTC Identity Theft Report ( Criminal Complaint XXXX [ private ] ) verifying that the following account is the result of identity theft and fraud : Account in Dispute : name XXXXXXXX XXXX XXXX, account Number : XXXX, account Type : Auto Loan, responsibility : Individual, date Opened : XX/XX/XXXX, status : Account charged off. {$19000.00} written off. {$12000.00} past due as of XXXX XXXX, original Balance : {$28000.00}, terms : 72 Months On Record Until : XX/XX/XXXX. This account has been reported as charged off and in repossession status, despite my submission of an FTC Identity Theft Report and supporting documentation proving it was not opened or authorized by me. Under FCRA 605B, upon receipt of my identity theft documentation, you are required to block all information related to this fraudulent account within 4 business daysnot to reinvestigate it by forwarding the dispute to the furnisher via the E-OSCAR system. Your reliance on the furnishers automated verification constitutes noncompliance with the FCRA blocking and accuracy provisions ( 605B and 607 ( b ) ). To date, Experian has failed to : Provide a copy of any contract, application, or signature proving I opened this account. Demonstrate that the furnisher verified the account using original documentation. Provide proof that the furnisher is reporting in full Metro 2 compliance. Because Experian has not produced verifiable documentation or complied with 605B blocking procedures, the continued reporting of this fraudulent XXXX XXXX XXXX auto loan constitutes willful non-compliance under FCRA 616 and 617, and subjects Experian to statutory and punitive liability.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit.

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 2025-10-26 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Against TransUnion for FCRA Violations and Inaccurate Bankruptcy Reporting To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint against TransUnion for violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681 ( a ) ( 2 ) ( B ). 

TransUnion is currently reporting an inaccurate bankruptcy on my credit report. Transunion is false information is severely damaging to my credit profile. Additionally, TransUnion updated my address to falsely associate me with this bankruptcy, which is misleading and a violation of my privacy rights as a consumer. 

TransUnion claims this information was provided by XXXX. XXXX removed this inaccurate information XX/XX/XXXX. I reached out to TransUnion back in XX/XX/XXXX they ignored all my letter just like they are doing right now. I also reached out to my local bankruptcy court office, which confirmed in writing that they do not share any consumer information with credit reporting agencies. I submitted all supporting documentation to TransUnion, including the courts statement and my dispute materials. Despite this, TransUnion ignored my dispute and failed to take corrective action, demonstrating a disregard for my rights and responsibilities under the law. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure : The immediate removal of the inaccurate bankruptcy from my credit report by TransUnion. 

The correction of the address information that falsely links me to this bankruptcy. 

That Transunion deletes the erroneous data from its records. 

That Transunion is held accountable for failing to investigate and correct disputed information as required by law. 

Please find my personal information below for reference : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone Number : XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date of Complaint : XX/XX/XXXX I am attaching all relevant documentation to support my claim, including my credit report, correspondence with TransUnion the letter from the bankruptcy court. 

Thank you for your attention to this serious matter. I trust the CFPB will act swiftly to protect my rights and ensure compliance with federal law. 

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 2025-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bison Bucks Lending
State: CO

Complaint narrative:
I was told I was approved for {$850.00} and did not get any money sent to my account and I'm set to make the first payment on the 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