vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( s ) are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
a formal follow-up to your investigation response or lack thereof regarding my previous dispute. After carefully reviewing my credit report again, it is evident that inaccurate and misleading information is still being reported. Frankly, your handling of this matter thus far does not reflect full compliance with your obligations under the Fair Credit Reporting Act. You are required to ensure maximum possible accuracy, and I believe this has not been achieved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  Original Creditor : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
I paid off my XXXX XXXX XXXX auto loan ; the account was Paid/Closed in XX/XX/XXXX ( {$0.00} balance ). I disputed this tradeline with your bureau, but you closed my disputes while allowing contradictory, non-uniform Metro 2 data to continue reportingviolating FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reasonable reinvestigation ).

The tradeline was deleted and later reinserted as verified. I never received the five-day reinsertion notice required by FCRA 1681i ( a ) ( 5 ) ( B ).

XXXX failed to respond to my XX/XX/XXXX direct dispute letter ( sent certified ). 
I also suffered COVID-19 job loss. Under the CARES Act amendment to the FCRA ( 1681s-2 ( a ) ( 1 ) ( F ) ), months covered by a payment accommodation should have been reported current or at least non-advancing in delinquency. Your bureau should not retain derogatories the furnisher can not substantiate for those months.

Key inaccuracies ( Metro 2 fields ) Field 10 Date Opened : Experian = XX/XX/XXXX ; XXXX  = missing ( no open date shown ). 
XXXX XXXXXXXX Account Status / Payment Rating : Account is Paid/Closed ( XX/XX/XXXX ). A closed $ XXXX {$0.00} account must not show a current late ; any final active-cycle delinquency belongs only in XXXX. 
XXXX  XXXX Payment History Profile ( PHP ) contradictions : XXXX : consistent OK at 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 XXXXXX/XX/XXXX ( closure ) XXXX  = CLS while XXXX  shows no CLS code even though XXXX  summary shows Paid, Closed ; Date Closed XX/XX/XXXX. 
XXXX XXXXXXXX must be one matching XXXX string across bureaus ; conflicting or missing months are inaccurate or unverifiable. 
XXXX  XXXX Date Reported/Updated : XXXX acknowledges XX/XX/XXXX closure but the XXXX grid doesnt reflect CLS. 
XXXX  XX/XX/XXXX Compliance Condition Code / Special Comment : Dispute coding must be uniform ( XB while open ; XH when concluded with consumer disagreement ). Comments must not imply CO/collection ( none occurred ). 
XXXX  XXXX DOFD : Not applicable on a paid/closed account ; remove if present anywhere.

CARES Act context Because I lost my job due to COVID-19, any accommodation months ( deferral/extension/skip-pay/forbearance ) should have been reported current or non-advancing. Please verify with the furnisher ; if they can not document compliant coding for those months, those derogatories are unverifiable and must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX 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 2025-08-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
I had a private student loan debt written off to profit and loss write off by the lender on XX/XX/XXXX after I was unable to continue making payments the middle of XXXX. The lender is XXXX  XXXX XXXX. I have now recently been contacted by a debt collector, XXXX XXXX XXXX XXXX  nearly XXXX YEARS after the lender voluntarily wrote my debt off. The amount is over {$22000.00} and I absolutely can not afford to pay this. I have no money at all and cant afford to make monthly payments either. The debt collector has my account in a hardship status after I sent them an email explaining why I couldnt pay the debt and why Id never be able to pay the debt, but I know that wont last forever. I need both of them off my back and for both of them to leave me alone. The fact that the lender is trying to come after me almost XXXX years after they wrote it off is pretty XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I have never opened an account with this and firmly believe this is a case of identity theft. To address this issue, I have taken the following steps : I have filed a report with the Federal Trade Commission ( FTC ), which can be referenced under case number [ FTC Report Number ].

I have placed a fraud alert on my credit report with [ the name of the credit bureau where you placed the alert ].

I am in the process of filing a police report with my local law enforcement agency.

I kindly request your assistance in removing this fraudulent account from my credit report. Attached, please find copies of relevant documentation supporting my claim, including my identity theft report and any correspondence with [ Company Name ].

Please let me know if you require any additional information to expedite the investigation process. Thank you for your attention to this urgent matter. I am looking forward to your prompt response.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My brother is taking my mothers social security from the Wells Fargo account. My mother is overseas as she has been for the past 3 years while he is here in the states making the monthly transactions. I called the bank to report the fraud and they refuse to take action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is violating my rights and failed to validate my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them, and my rights are being violated. I'm entitled to {$1000.00} for every violation listed. This company needs to either pay me or delete this account immediately. For this account has inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

1. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Inquiry Dispute Unauthorized Credit Inquiries I am writing to dispute several unauthorized credit inquiries that are appearing on my TransUnion credit report. These inquiries were not initiated or authorized by me, and they are the result of fraudulent activity connected to my identity theft case. 
The inquiries in dispute are as follows : XXXX XXXX Card Date of Inquiry : XX/XX/year>XXXX XXXX XXXX Date of Inquiry : XX/XX/year>XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Services Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my knowledge or consent. Since they are not the result of any credit application or request I made, I am requesting their immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). 
Enclosed are documents supporting my dispute, which may include : - Copy of my government-issued photo identification - Proof of my current address - Copy of my FTC Identity Theft Report - Police report, if applicable I respectfully request that TransUnion investigate these inquiries and delete them from my credit report immediately. Please provide me with written confirmation once this action has been taken. 
Thank you for your prompt attention to this matter. 
Sincerely, __________________________ XXXX XXXX XXXX Enclosures : Supporting documentation as listed above

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally did not process a duplicate title. They denied that there was a duplicate title. It turns out that there was actually a duplicate title that they were unaware of. I could not register or operate my vehicle because of the pending duplicate title paperwork. XXXX, XXXX, and XXXX with Executive Customer Relations have refused to help and I'm not sure if it's incompetence, laziness, or just plain targeting of us. Customer support ran us in circles and has been no help. Ally cost me {$16000.00} in damages. XXXX told me to email her what I will need in compensation for their mistake, which she acknowledged. She never responded to that email. i have provided all legally satisfactory documentation yet they continue to break California law and illegally request receipts for vehicle loss of use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection XXXX XXXX XXXX - XXXX XXXX XXXX - Reporting inaccurately as Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I was scrolling through XXXX and an ad popped up about a store going out of business so I ordered some stuff off that off of it my I ordered it on XX/XX/XXXX that's when my card was charged I'm pretty sure that it was supposed to be delivered either XX/XX/XXXX or the XXXX or something in that area and I never received the goods I denied I disputed the charge with cash app and they denied me they told me that the documentation that they were going off of showed that the merchant upheld his end of the bargain so I asked cash app to show me the documentation that they have went off to make their decision and they can't give me that information because I wanted to know if cash app if the merchant has sent them a tracking number where they can track it up through the mail and see where my packages are and they can't do that they never did that cat and now I'm trying to ask because I've been scammed on the internet and cash app their customer service was not good at all they can't give me any information on why they're closing my account and I know exactly why it's because I keep disputing their denied because they don't want to give me my {$55.00} back cash apps customer service was very very poor I mean it took them days to get back to me and then they can't even answer me my questions they just give me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
TransUnion - Inaccurate account type, re-aged last active date, no last payment date Experian - Misclassified account as installment, re-aging, false term, repetitive COs Equifax - Missing tradeline but possibly relatedcould be duplicative debt if XXXX XXXX is listed elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
TransUnion - Inaccurate account type, re-aged last active date, no last payment date Experian - Misclassified account as installment, re-aging, false term, repetitive COs Equifax - Missing tradeline but possibly relatedcould be duplicative debt if XXXX XXXX is listed elsewhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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