vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 have recently received a copy of my credit report and noticed several unauthorized inquiries accounts/information reporting 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 2025-11-17 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 have recently received a copy of my credit report and noticed several unauthorized inquiries accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against TransUnion LLC for incomplete credit reporting of a XXXX XXXX  tradeline due to a missing Date of First Delinquency ( DOFD ) after two disputes. 

XX/XX/year> Verified and Updated ( fields changed : Date Updated; Last Payment Made ; Remarks ; Rating ) DOFD still missing. 

XX/XX/year> Verified and No Change Needed DOFD still missing. 

The tradeline appears on my TransUnion report without a listed DOFD, preventing correct aging and exclusion.

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 2025-11-17 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX -- - Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- - Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX -- - Opened : XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX -- - Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- - Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX -- - Opened : XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: UPGRADE, INC.
State: FL

Complaint narrative:
I am filing this complaint against [ Upgrade INC. ] for multiple violations of federal credit laws, tax laws, and privacy regulations in connection with the improper reporting, handling, and continued furnishing of a charged-off account, including illegal reporting after the debt was transferred/sold and failure to comply with IRS regulations regarding cancellation-of-debt income. 

Below is a complete summary of the violations for your investigation. 
Illegal Reporting of a Charged-Off Debt After Sale/Transfer The creditor continues to report a charged-off balance even though the debt was sold/transferred to a third-party. A creditor who no longer owns a debt can not legally : Update or re-age the account Report a balance Report monthly delinquencies Modify the account status Laws Violated FCRA 602 Accuracy requirement FCRA 607 ( b ) Duty to assure accuracy FDCPA 807 ( 2 ) ( A ) False representation of ownership UCC 3-203 Transfer removes creditor ownership rights Continued Reporting of a Debt They Do Not Own The creditor is furnishing data to XXXX XXXX XXXX XXXX as if they still legally own the account.

This is misleading, inaccurate, and unlawful.

Laws Violated FCRA 607 ( b ) Accuracy FCRA 611 Unverifiable information must be deleted FDCPA 807 ( 2 ) ( A ) Misrepresentation of legal status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
I am filing this complaint because XXXX is furnishing credit data that is inaccurate, contradictory, and materially misleading, in violation of its obligations under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX Account Number : XXXX Original Balance : {$590.00} Status reported : Paid Collection / Charge-Off This account has been fully satisfied, yet XXXX continues to furnish it as a derogatory debt with inconsistent dates, conflicting status codes, and remarks that do not align with the actual account history. The inconsistencies are not clerical errors ; they reflect a failure to maintain, verify, or correct information as mandated by federal law. 

Across the reporting history, XXXX has supplied : Different dates of last activity Different status descriptions Inconsistent updates to the accounts resolution Remarks that do not correspond with the accounts paid status XXXX has been notified of these inaccuracies, yet the misreporting continues.

This conduct violates the following provisions of the FCRA : FCRA 607 ( b ) failure to ensure the maximum possible accuracy of furnished information FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or reasonably expected to be inaccurate FCRA 623 ( a ) ( 2 ) failure to update or correct incomplete or inaccurate reporting FCRA 611 ( a ) failure to conduct a lawful and good-faith reinvestigation The misreporting has resulted in direct harm, including a depressed credit score, reduced access to competitive credit terms, and adverse effects on housing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
I am filing this complaint because XXXX is furnishing credit data that is inaccurate, contradictory, and materially misleading, in violation of its obligations under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX Account Number : XXXX Original Balance : {$590.00} Status reported : Paid Collection / Charge-Off This account has been fully satisfied, yet XXXX continues to furnish it as a derogatory debt with inconsistent dates, conflicting status codes, and remarks that do not align with the actual account history. The inconsistencies are not clerical errors ; they reflect a failure to maintain, verify, or correct information as mandated by federal law. 

Across the reporting history, XXXX has supplied : Different dates of last activity Different status descriptions Inconsistent updates to the accounts resolution Remarks that do not correspond with the accounts paid status XXXX has been notified of these inaccuracies, yet the misreporting continues.

This conduct violates the following provisions of the FCRA : FCRA 607 ( b ) failure to ensure the maximum possible accuracy of furnished information FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or reasonably expected to be inaccurate FCRA 623 ( a ) ( 2 ) failure to update or correct incomplete or inaccurate reporting FCRA 611 ( a ) failure to conduct a lawful and good-faith reinvestigation The misreporting has resulted in direct harm, including a depressed credit score, reduced access to competitive credit terms, and adverse effects on housing and financial opportunities.

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 2025-11-17 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: KY

Complaint narrative:
RE : IMMEDIATE DELETION REQUEST XXXX XXXX XXXX ( Unverified Collection Account ) To Experian Dispute Department : This letter is a formal dispute of an unverified collection account that Experian is currently publishing : Furnisher : XXXX XXXX XXXX Balance : {$540.00} Date Opened : XX/XX/year> Remarks : Collection account This account is inaccurate, illegally furnished, and reported in violation of multiple federal statutes. 



1. XXXX XXXX XXXX violated FDCPA 809 and did NOT validate the debt.

I never received : A validation letter A notice of debt transfer Proof that XXXX XXXX purchased or owns anything connected to me Any documentation supporting their right to obtain or use my personal data Under FDCPA 809 ( b ), collection activity must cease until validation is provided.

Reporting to Experian is collection activity.

Thus, Experian is publishing an illegal, unvalidated, and unverified debt.

2. XXXX XXXX XXXX has no permissible purpose to report my data ( FCRA 604 ).

They can not show evidence of : A legal chain of assignment A contract authorizing use of my SSN A permissible purpose under federal law Therefore the data Experian received is illegally obtained and must be deleted.

3. Experian is violating FCRA 623 by furnishing inaccurate information. 

XXXX is listed as the original creditor which is false.

You are required to ensure maximum possible accuracy. This entry fails that standard.

4. This is an official FCRA 611 request for reinvestigation.

Experian must provide : Full method of verification Name and contact of the person or entity that verified the debt Actual physical documentation used in verifying the account If Experian can not produce this information, you must delete the account.

DEMAND FOR ACTION : I demand full deletion of this XXXX XXXX XXXX account and written confirmation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: KY

Complaint narrative:
RE : IMMEDIATE DELETION REQUEST XXXX XXXX XXXX ( Unverified Collection Account ) To Experian Dispute Department : This letter is a formal dispute of an unverified collection account that Experian is currently publishing : Furnisher : XXXX XXXX XXXX Balance : {$540.00} Date Opened : XX/XX/year> Remarks : Collection account This account is inaccurate, illegally furnished, and reported in violation of multiple federal statutes. 



1. XXXX XXXX XXXX violated FDCPA 809 and did NOT validate the debt.

I never received : A validation letter A notice of debt transfer Proof that XXXX XXXX purchased or owns anything connected to me Any documentation supporting their right to obtain or use my personal data Under FDCPA 809 ( b ), collection activity must cease until validation is provided.

Reporting to Experian is collection activity.

Thus, Experian is publishing an illegal, unvalidated, and unverified debt.

2. XXXX XXXX XXXX has no permissible purpose to report my data ( FCRA 604 ).

They can not show evidence of : A legal chain of assignment A contract authorizing use of my SSN A permissible purpose under federal law Therefore the data Experian received is illegally obtained and must be deleted.

3. Experian is violating FCRA 623 by furnishing inaccurate information. 

XXXX is listed as the original creditor which is false.

You are required to ensure maximum possible accuracy. This entry fails that standard.

4. This is an official FCRA 611 request for reinvestigation.

Experian must provide : Full method of verification Name and contact of the person or entity that verified the debt Actual physical documentation used in verifying the account If Experian can not produce this information, you must delete the account.

DEMAND FOR ACTION : I demand full deletion of this XXXX XXXX XXXX account and written confirmation within 30 days.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I went to a website from a sponsored AD that was set up to look just like the legit website XXXX. It was however not that site which I did not learn until the name on charge was odd. After a few days of going back and forth with the company which pulled up under XXXX XXXX XXXX the website was taken down and no longer accessible. I then disputed with my cashapp and they denied it. I turned around and appealed that and they made a final decision to go in favor of merchant. I supplied all the proof that the website was fraud and no longer active and even showed where the fake tracking number has been saying coming from XXXX when the website showed being shipped from the US. I made the purchase on XX/XX/year> and first despite was on XX/XX/XXXX and the appeal was done XX/XX/XXXX which has already been denied. This charge shows up as XXXX XXXX for {$68.00}. This is the 2nd time they have denied refunding a charge that I did not receive a product or was fraud this year both over XXXX. This first was for XXXX for a product the company admitted in email I never received but they couldn't do anything about. Cashapp still said that the merchant was not in wrong. I believe cashapp is still not properly investigating disputes as fast as they deny them and leaving people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint because TransUnion, Equifax, and Experian continue to report inaccurate and inconsistent information on my credit file regarding my XXXX XXXX XXXX  account XXXX despite multiple disputes I have already sent to each consumer reporting agency. I am not a credit professional, but I have been studying the FCRA and learning how the dispute process is supposed to work. Based on what Ive learned, I feel the CRAs are not following the law and are taking advantage of me as a consumer by ignoring my disputes instead of conducting proper investigations. 

The information being reported is not the same across all three bureaus. One bureau reports late payments, another reports the account as in good standing, and another shows missing or N/A payment data. The account status is also inconsistentone bureau says the account is open, while another says it is closed. A single account can not legally have conflicting information like this, and after studying FCRA 602, 607 ( b ), and 611, I understand that the CRAs are required to maintain maximum possible accuracy and perform reasonable reinvestigations. That is not happening in my case.

I have tried to resolve this directly by submitting disputes, but each CRA either ignored the specific inaccuracies I pointed out or verified the account without providing any proof, documentation, or explanation. At this point, it feels like they are dismissing my disputes automatically and not performing a meaningful investigation, which violates FCRA 611. I also learned that furnishers must not report inaccurate data under FCRA 623 ( a ) ( 1 ) ( A ), yet the inconsistent information remains on my reports without correction. 

I am requesting the CFPB to review this situation and require the CRAs to do the following : Conduct a lawful reinvestigation of the XXXX XXXX XXXX  account and obtain actual documentation from the furnisher. 

Delete or correct the account if the information can not be fully verified. 

Address why multiple past disputes from me were ignored or verified without proper investigation.

Im doing everything I can as a consumer to understand and follow the law, but I feel the credit bureaus are not taking my rights seriously. Im asking for your assistance to make sure this account is accurately reported or removed if the information can not be proven.

Thank you for your help.

Company response to consumer: Closed with explanation