vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Issue : Incorrect information on my credit report Company : XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Identifier : Unknown full account number - identified by creditor name and report data Complaint Summary : I am filing this complaint because an account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX ) is being reported inconsistently across all three credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), which requires that credit information be accurate, complete, and verifiable. 

Although I do not have the full account number, the account can be identified by the following details : - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
- Type : Personal Loan / Collection Account - Balance : {$1300.00} - Date Opened : XX/XX/XXXX - Last Payment Dates : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( Experian ) - Reported inconsistently on : TransUnion, Experian, and Equifax Discrepancy Details : - TransUnion : Reports the account as " open '' and " placed for collection, '' with no payment history or last payment date, showing a balance of {$1300.00} and an original balance of {$970.00}. 
- Experian : Lists the account as a " collection account '' with a past due balance of {$1300.00}, a last payment on CFPB Complaint : Inconsistent Credit Reporting XX/XX/XXXX, and a status last updated in XX/XX/XXXX. 
- Equifax : Shows the account as " open, '' marked as a " collection account '' in the comments, with a last payment date of XX/XX/XXXX, and a status updated in XX/XX/XXXX. 

These conflicting dates, account statuses, and reporting histories indicate the account is being inaccurately or unreliably reported. I believe this tradeline should be removed unless the furnisher can verify and correct the data consistently across all three bureaus. 

What I've done so far : I am currently disputing this item with each of the credit bureaus, but due to the severity of inconsistencies, I am also submitting this complaint to the CFPB for review and formal investigation. 

Requested Resolution : I am requesting that this account be removed from my credit reports due to inconsistent and unverifiable reporting, or that the furnisher be required to provide accurate, consistent, and verifiable documentation to all three credit reporting agencies. 

Attachments : - Screenshots from TransUnion, Experian, and Equifax showing the reporting inconsistencies - Balance and payment date discrepancies

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 2025-05-29 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: LA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request the immediate release of the remaining balance of {$130000.00} associated with my account, which was closed following the deposit of a valid IRS-issued check. It is close to 90 days since this deposit, the check was deposited XXXX XXXX, 2025 I was notified the payment has gone to Bank of America. Despite my ongoing patience and cooperation with the bank policy regarding investigation, I have yet to receive the funds or any meaningful resolution. 

This continued delay is completely unacceptable. I have given your institution ample time to resolve this matter, and I have complied with all inquiries and requests made throughout the process. However, the lack of communication and failure to disburse the owed funds has caused me considerable inconvenience and financial stress. 


I urge you to treat this matter with the seriousness it warrants and ensure that the payment is processed without further delay. Please confirm receipt of this email and provide a definitive timeline for when the funds will be disbursed.

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 2025-05-29 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I XXXX XXXX am writing to tell you about whats happening with XXXX has inaccurately reported negative information on my credit file, including : A false late payment that has caused a derogatory mark on my credit report.

A balance that does not reflect my actual payment activity.

Continued reporting of data without my consent, in violation of 15 U.S.C. 1641 ( b ) ( c ).

Failure to provide proper notice or documentation validating the tradeline.

Lack of a lawful contract or signed authorization for data reporting or third-party sharing.

The account being reported is : Account Name : XXXX / Dept. of Ed Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX/2019 Past Due Amount : {$260.00} Reported Balance : {$460.00} Payment Terms : $ XXXX/month I previously submitted disputes to the major credit bureaus under 15 U.S.C. 1681i, but XXXX  failed to provide full verification or to correct or remove the inaccurate reporting. This is a direct violation of FCRA provisions and precedent such as Cushman v. TransUnion Corp., which requires a creditor to verify disputed information with substantive evidencenot merely reassert the error.

Furthermore, I assert that I am the legal copyright holder of my name and identity under registration through CopyrightDepot, a lawful notice that any use, alteration, misrepresentation, or publication of my personal data, image, likeness, or proprietary identityincluding but not limited to variations of my legal name, financial persona, or digital trailmust be explicitly authorized in writing.

I have not granted any such permission to XXXX XXXX, Experian, XXXX or any data handling affiliates. Their continued use and dissemination of such information without my permission or contractual agreement constitutes a violation of my intellectual property rights, my privacy, and my protected data.

Any use of my personal information without express written consent shall incur financial liability and legal remedy under applicable copyright, consumer protection, and privacy law.

Additionally, XXXX is currently under investigation for systematic mishandling of servicer paperwork and erroneous reporting. I believe I have been directly affected by this, and I demand a full review of my account and investigation history.

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 2025-05-29 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: MI

Complaint narrative:
I XXXX XXXX am writing to tell you about whats happening with XXXX has inaccurately reported negative information on my credit file, including : A false late payment that has caused a derogatory mark on my credit report. 
A balance that does not reflect my actual payment activity. 
Continued reporting of data without my consent, in violation of 15 U.S.C. 1641 ( b ) ( c ).

Failure to provide proper notice or documentation validating the tradeline.

Lack of a lawful contract or signed authorization for data reporting or third-party sharing. 

The account being reported is : Account Name : XXXX / Dept. of Ed Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Past Due Amount : {$260.00} Reported Balance : {$460.00} Payment Terms : $ XXXX XXXX previously submitted disputes to the major credit bureaus under 15 U.S.C. 1681i, but XXXX failed to provide full verification or to correct or remove the inaccurate reporting. This is a direct violation of FCRA provisions and precedent such as Cushman v. TransUnion XXXX, which requires a creditor to verify disputed information with substantive evidencenot merely reassert the error. 
Furthermore, I assert that I am the legal copyright holder of my name and identity under registration through XXXX, a lawful notice that any use, alteration, misrepresentation, or publication of my personal data, image, likeness, or proprietary identityincluding but not limited to variations of my legal name, financial persona, or digital trailmust be explicitly authorized in writing. 

I have not granted any such permission to XXXXXXXX XXXX XXXX, Equifax, or any data handling affiliates. Their continued use and dissemination of such information without my permission or contractual agreement constitutes a violation of my intellectual property rights, my privacy, and my protected data. 

Any use of my personal information without express written consent shall incur financial liability and legal remedy under applicable copyright, consumer protection, and privacy law. 


Additionally, XXXX is currently under investigation for systematic mishandling of servicer paperwork and erroneous reporting. I believe I have been directly affected by this, and I demand a full review of my account and investigation history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I XXXX XXXX am writing to tell you about whats happening with XXXX has inaccurately reported negative information on my credit file, including : A false late payment that has caused a derogatory mark on my credit report. 
A balance that does not reflect my actual payment activity. 
Continued reporting of data without my consent, in violation of 15 U.S.C. 1641 ( b ) ( c ). 
Failure to provide proper notice or documentation validating the tradeline. 
Lack of a lawful contract or signed authorization for data reporting or third-party sharing. 

The account being reported is : Account Name : XXXX / Dept. of Ed Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Past Due Amount : {$260.00} Reported Balance : {$460.00} Payment Terms : $ XXXX XXXX previously submitted disputes to the major credit bureaus under 15 U.S.C. 1681i, but XXXX failed to provide full verification or to correct or remove the inaccurate reporting. This is a direct violation of FCRA provisions and precedent such as Cushman v. TransUnion Corp., which requires a creditor to verify disputed information with substantive evidencenot merely reassert the error. 
Furthermore, I assert that I am the legal copyright holder of my name and identity under registration through XXXX, a lawful notice that any use, alteration, misrepresentation, or publication of my personal data, image, likeness, or proprietary identityincluding but not limited to variations of my legal name, financial persona, or digital trailmust be explicitly authorized in writing. 

I have not granted any such permission to XXXX, TransUnion, XXXX XXXX, or any data handling affiliates. Their continued use and dissemination of such information without my permission or contractual agreement constitutes a violation of my intellectual property rights, my privacy, and my protected data. 

Any use of my personal information without express written consent shall incur financial liability and legal remedy under applicable copyright, consumer protection, and privacy law. 


Additionally, XXXX is currently under investigation for systematic mishandling of servicer paperwork and erroneous reporting. I believe I have been directly affected by this, and I demand a full review of my account and investigation history.

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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding an issue I experienced with the Cash App platform operated by Block , Inc . Despite multiple attempts to resolve this matter through your standard support channels, I have yet to receive a satisfactory resolution. Under the CFPA, financial service providers have a legal obligation to take reasonable steps to detect, prevent, and remediate fraud. Cash Apps failure to implement effective consumer protections, investigate reports adequately, or offer timely restitution suggests noncompliance with these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized accounts/information reported to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: MD

Complaint narrative:
The company called several times a day about the debt and even called me this morning after I made a payment to tell him that I was still receiving call until the entire thing is settled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 morning, I discovered some incorrect accounts listed on my credit report, and Im completely unsure of how they got there. I routinely check my credit report, but this time I noticed unusual discrepancies. I even refreshed the page thinking it might be a technical issue, but the inaccurate accounts remained. Given this situation, Im requesting a careful review of the documents Ive provided so I can finally have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I am disputing a derogatory auto loan account reported by XXXX XXXX. The account shows a charge-off status and a balance of {$16000.00}. However, the loan is marked as closed, and I was not provided any notice or validation explaining the balance or charge-off. The payment history is incomplete, with no statements or monthly updates. Under the FCRA, this reporting is inaccurate and misleading.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I recently discovered a fraudulent collection account on my report, which I did not open or authorize. 

RESURGENT/LVNV FUNDING Date opened : XX/XX/XXXXXXXX  Balance : {$1300.00} XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4400.00} I believe my identity was stolen online, possibly through data breach/phishing/ or some sort of scam

Company response to consumer: Closed with explanation