vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00}

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 2025-08-06 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: Self Financial Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Inaccurate Late Payment Reporting Demand for Removal To Whom It May Concern : I am submitting this formal dispute regarding inaccurate reporting of a late payment by Self Financial ( formerly Self Lender ). Despite fulfilling my payment obligations on time, your company has reported my account as delinquent, which is false and damaging to my credit profile. 

This action violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that is inaccurate or incomplete.

15 U.S. Code 1681s-2 ( b ) requires that a furnisher, upon receiving notice of a dispute, must investigate and correct any inaccuracies. 

I am demanding that you : XXXX. XXXX a full investigation into this matter. 
XXXX. Remove all inaccurate late payment entries from my credit file at XXXX XXXX XXXX XXXX 
XXXX. Provide written confirmation once the deletion has been completed. 

You are hereby given XXXX calendar days from the date of this letter to correct this matter. If no resolution is made, I will escalate the issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. I also reserve my right to pursue legal action under 15 U.S. Code 1681n for willful noncompliance. 

Attached are payment records supporting my claim. This is an official dispute under the FCRA. 

I expect a timely resolution and appreciate your prompt attention. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have been banking with USAA for XXXX XXXX and today my account was permanently closed. When I asked why I was told they dont really have a reason and since XXXX XXXX they have decided to exercise their rights to discontinue doing business with me. I only received an electronic notice of the closure that I became aware of today. I am very confused on where Ive made a mistake and USAA has said they no longer can help me. I was told all I can do is find another company I can do business with.

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 2025-08-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MA

Complaint narrative:
I have previously disputed Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I am writing to file a formal complaint and request an investigation pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate and incomplete credit reporting by Fortiva. 

Details of the Issue : Creditor : Fortiva Account Number : Ending in XXXX Reporting Agency : Equifax, Experian, and TransUnion I have noticed that this credit card issuer is not reporting my monthly on-time payments, but instead appears to only report activity when my credit card balance is near or at its limit. This creates a misleading and damaging picture of my credit usage and payment history, which is not an accurate or complete reflection of my account activity. 

FCRA Violations Suspected : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a duty to report accurate information. Selectively reporting only high-utilization months while omitting positive payment activity misrepresents the true standing of the account and could be a violation of this requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I reviewed my TransUnion credit report and found inquiries that do not belong to me. I have attached the inquiries along with the required documents.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-08-06 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. Upon reviewing my credit report from your agency, I noticed that an account listed as XXXX is reported as Closed. I believe this is inaccurate and/or incomplete. 

According to the FCRA, consumer reporting agencies are required to report only accurate and verifiable information and to promptly correct or delete any information that is inaccurate, incomplete, or can not be verified. I am requesting that you investigate this account and provide verification of the reported status. 

If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report. 


Please conduct a full investigation of this matter and provide a written response within 30 days, as required under the FCRA. Additionally, please provide me with the name, address, and phone number of the furnisher of this information, as well as the method used to verify the accuracy of the account status. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as quickly as possible.

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 2025-08-06 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. Upon reviewing my credit report from your agency, I noticed that an account listed as XXXX is reported as Closed. I believe this is inaccurate and/or incomplete. 

According to the FCRA, consumer reporting agencies are required to report only accurate and verifiable information and to promptly correct or delete any information that is inaccurate, incomplete, or can not be verified. I am requesting that you investigate this account and provide verification of the reported status. 

If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report. 


Please conduct a full investigation of this matter and provide a written response within 30 days, as required under the FCRA. Additionally, please provide me with the name, address, and phone number of the furnisher of this information, as well as the method used to verify the accuracy of the account status. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as quickly as possible.

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 2025-08-06 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: TX

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. Upon reviewing my credit report from your agency, I noticed that an account listed as WEBBNK/FHUT is reported as Closed. I believe this is inaccurate and/or incomplete. 

According to the FCRA, consumer reporting agencies are required to report only accurate and verifiable information and to promptly correct or delete any information that is inaccurate, incomplete, or can not be verified. I am requesting that you investigate this account and provide verification of the reported status. 

If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report. 


Please conduct a full investigation of this matter and provide a written response within 30 days, as required under the FCRA. Additionally, please provide me with the name, address, and phone number of the furnisher of this information, as well as the method used to verify the accuracy of the account status. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
A late payment has been reported on my credit profile which I believe is not accurate. I take my financial responsibilities seriously and ensure my accounts are paid as agreed. This entry is both misleading and unfairly damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX SC XXXX INQUIRIES : XXXX XXXX Date : XX/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
Consumer complaint received 2025-08-06 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:
I checked my credit report and noticed I had an unauthorized collection from XXXX XXXX  XXXX that I do not recognize. I believe it is fraudulent and would like it to be blocked and removed from my credit report immediately. It was opened on XXXX for {$840.00}

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 2025-08-06 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: FL

Complaint narrative:
I checked my credit report and noticed I had an unauthorized collection from XXXX XXXX  XXXX that I do not recognize. I believe it is fraudulent and would like it to be blocked and removed from my credit report immediately. It was opened on XXXX for {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX [ Email if desired ] Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiry XXXX CARD ( Inquiry Date : XX/XX/XXXX ) Dear Experian, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and XXXX XXXX XXXX XXXX, concerning an unauthorized hard inquiry appearing on my Experian credit report. 

The inquiry in question is as follows : Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX Business Type : Bank XXXX XXXX I did not authorize this company to access my credit report, nor did I initiate a credit application with XXXX CARD. As such, they did not have a permissible purpose under FCRA 604 ( a ) to pull my credit. I am requesting the immediate removal of this unauthorized inquiry.

Under FCRA 611, consumers have the right to dispute any inaccurate or unauthorized information. Additionally, the XXXX XXXX XXXX requires hard inquiries to be substantiated by a consumer-initiated action. Experian is obligated to ensure the accuracy and legitimacy of items it includes on consumer reports under FCRA XXXX ( b ). 

As a resident of Texas, I am also asserting my rights under the XXXX XXXX XXXX XXXX and the Texas Deceptive Trade Practices Act ( DTPA ) XXXX ( b ) ( XXXX ). Continuing to report a disputed, unverified, or unauthorized inquiry constitutes an unfair and deceptive practice under Texas law. 

Relevant case law includes : Pintos v. XXXX Creditors Assn, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit access without a permissible purpose violates the FCRA. 
Stergiopoulos v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX must be consumer-initiated. 

I am requesting that you : XXXX. Remove the XXXX XXXX hard inquiry dated XX/XX/XXXX, from my Experian credit report. 
XXXX. Provide documentation verifying that I authorized this inquiry and that XXXX CARD had a permissible purpose under FCRA. 
XXXX. Send written confirmation of the outcome of your reinvestigation within the required XXXX period under FCRA 611 ( a ) ( 6 ). 

Attached are copies of my drivers license and a utility bill to verify my identity and address. 

Failure to respond properly XXXX result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Texas Attorney General, and a potential legal action in state court for violation of federal and state consumer protection statutes. 

Sincerely, XXXX XXXX XXXX : XXXX [ Last XXXX Digits Only ] 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 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app is withholding a total of {$790.00} of mine. They have not released any of my funds. This started on Monday, XX/XX/XXXX where they have {$10.00} of mine. On Thursday, XXXX XXXX  day withheld another {$640.00} of mine and then on Friday, XX/XX/XXXX withheld an additional {$100.00} of mine. These amounts along with what I already had on cash app totals {$790.00}. Cash app is not telling me what the issue is and they have not released any of my funds and I need them to do so immediately. Ive contacted them several times by phone, by chat, by XXXX, and by XXXX.

Company response to consumer: Closed with explanation