vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am filing a formal complaint because XXXX XXXX is furnishing inaccurate, unverified, and incomplete information to the credit bureaus and failed to provide legally required documentation when I directly disputed this account with them. Their actions violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ), as well as Regulation V ( 12 C.F.R. 1022.43 ). 

I disputed this account directly with XXXX  XXXX and specifically requested : The original signed contract establishing the alleged account A complete, itemized accounting from opening balance charge-off The verified Date of First Delinquency ( DOFD ) Proof of legal ownership and authority to report The full chain of assignment, including ALL transfers, placements, sales, or changes in account ownership, from origination to present Documentation showing the account was properly investigated under 1681s-2 ( b ) XXXX  XXXX failed to provide any of these required documents. 
Instead, they only offered to send a brochure, which does not validate a debt, does not meet federal investigation standards, and does not provide proof that the information they are furnishing is accurate. 

Major Issues With the Reporting : 1. Account information is inaccurate The balance, status, and historical payment information do not match the credit bureau entries or XXXX XXXX own statements. 
2. The balance is unverified No itemized accounting or ledger was provided to show how XXXX XXXX calculated the charged-off amount. 
3. XXXX XXXX failed to conduct a reasonable investigation, violating FCRA 1681s-2 ( b ). 
4. XXXX XXXX did not provide chain of assignment, which is required to prove who legally owns the debt and whether XXXX XXXX is still the rightful furnisher. If they can not prove ownership, they can not legally report. 
5. The DOFD was not validated, meaning the information may be obsolete, violating 1681c ( a ). 
6. XXXX  XXXX continued furnishing disputed information without marking the tradeline as disputed. 

Because XXXX XXXX can not validate the account, can not prove ownership, and can not correct the inaccuracies, the information they are reporting can not be verified as required under the FCRA. 

This is causing ongoing and significant harm to my creditworthiness, and XXXX XXXX has demonstrated willful noncompliance with federal law.

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 2025-11-20 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:
I mailed Experian a personal information update on XX/XX/year> ( delivered XX/XX/year> ). I mailed a mixed-file correction on XX/XX/year> but XXXX lost it. Experian received my disputes on XX/XX/year> but emailed results instead of mailing them. My file contains wrong names, wrong addresses, and an SSN variation belonging to another consumer. Experian still verified or updated accounts using incorrect identifiers and has not corrected the mixed file or provided proper verification.

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 2025-11-20 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Denefits LLC
State: TX

Complaint narrative:
Denefits is reporting an inaccurate, impossible, and unverifiable account to XXXX  only. The account shows : Open Date : XX/XX/year> Last Activity Date : XX/XX/year> Yet XXXX  is reporting : Multiple 30, 60, 90, and 120+ day late payments 7 months of delinquency that could not occur in a single day A balance higher than the highest balance No payment history whatsoever Variable/Adjustable rate ( this is false ; it is a fixed contract ) This information is factually impossible and violates : FCRA 1681e ( b ) ( maximum possible accuracy ) FCRA 611 ( a ) ( failure to reinvestigate ) FCRA 623 ( a ) ( 1 ) ( inaccurate reporting by furnisher ) FCRA 623 ( b ) ( failure to investigate dispute sent by XXXX  ) FDCPA 807 ( false threats ) FDCPA 809 ( b ) ( collection while disputed ) Furnisher Violations : The creditor continues to contact me during an open dispute, including : A threatening voicemail from ( 619 ) 330-2123 Emails altering the contract after dispute No validation has ever been provided. 

Creditor refuses to give a legitimate dispute address. 

Denefits reporting appears to be fabricated, not based on real payment data. 

XXXX  has failed to correct these inaccuracies after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TN

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting that you conduct a procedural investigation to ensure the information being reported is complete and accurate. 

The item I am requesting a procedural investigation for is : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting that you conduct a procedural investigation to ensure the information being reported is complete and accurate. 

The item I am requesting a procedural investigation for is : XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-20 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:
I recently reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting that you conduct a procedural investigation to ensure the information being reported is complete and accurate. 

The item I am requesting a procedural investigation for is : XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-20 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: MN

Complaint narrative:
This account was charged off in XXXX and closed in XX/XX/XXXX. However, TransUnion is reporting the account as : " Currently late '' Showing new late payments in XXXX after the charge-off Showing unknown payment activity for XXXX Reporting a current past-due amount of {$720.00} Reporting a current balance of {$680.00} Showing utilizatior /, 2 % even though the account is closed Updating the account 's " Date Updated '' to XX/XX/XXXX, which improperly re-ages the account Reporting the worst payment status ( XXXX days late ) after the charge-off date Reporting contradictory statuses ( " XXXX  '' and " XXXX XXXX XXXX '' at the same time ) Why this is inaccurate : Once an account is charged off or closed, lenders and bureaus are not allowed to : Add new late payments Add new past-due amounts Change dates in a way that makes the account appear newer ( " re-aging '' ) Report new balance increases on a charged-off loan Report utilization or. rlosed account Maintain a current Juency status after the charge-off date FCRA Violations : FCRA {$620.00} ( a ) ( 5 ) - Illegal re-aging of the account FCRA {$600.00} ( b ) - Failure to maintain accurate credit reporting FCRA {$610.00} ( a ) - Failure to conduct a reasonable reinvestigation FCRA {$620.00} ( b ) - Furnisher verification of information that is factually impossible

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-20 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
Ive been with Cash app on XX/XX/XXXX. There was money taken for my cash app account. The amount of {$150.00} around there. I called Cash app as soon as I seen the money was missing. And to notify them, I did not make these transactions they contact me a through email telling me that they can not do nothing about it then on XX/XX/XXXX I got my direct deposit prior to that I borrowed using the bar feature. I called in and asked them if they could extend the payback time. They told me sure theyll send me an email. I was very dependent on my money coming in as soon as it hit my account, they took it. I asked for it to give it back to me. They replied with a no through email again now Im out money and I do not know why cash app is very unprofessional and handling any matter upon what happened on the XXXX, I did not have the debit card. I had to cancel and wait for a new one, even though my card was missing even though my money was taking I am not protected with him. I feel so ashamed so stupid please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - XXXX  - XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( U.S BANKRUPTCY COURT ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-20 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 writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Ive been trying to since the middle of XXXX to get money out of SEP IRA account. And only been getting the runarounds and lack of concern and care for which situation. Nothing is ever addressed while one the phone its alway have to send a message and they will get back to me. At this point I want to close the account all of them but they have made it hard to that as well. Give me these little XXXX bounces points is not correcting the situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-11-20 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-11-20 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I request the deletion of this unauthorized account.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
Hello, Im reaching out because my Cash App account is still restricted, and I have been unable to complete the ID verification process. Ive already called support three different times, but the issue has not been resolved, and my account remains locked with funds still inside. 

I need immediate assistance restoring full access to my account and resolving the verification error. At this point, the delay is causing a real inconvenience, and I would appreciate this matter being escalated to someone who can correct it as soon as possible. 

Please advise on the next steps to unlock my account and release my funds. Thank you.

Company response to consumer: Closed with explanation