vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/year> I sent {$520.00} via Cash App to XXXX XXXX for a hair service. I later discovered it was a scam. I contacted Cash App support multiple times through the app/email and received no timely resolution. XX/XX/year> I filed a fraud/unauthorized transaction claim with my bank XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> My bank credited/refunded the transaction because Cash App did not respond to their inquiry for over 3 months. The claim was closed in my favor. XX/XX/year> Cash App reversed that credit and debited my Cash App, creating a negative balance of {$520.00}. I received no clear notice or explanation beforehand. XX/XX/year> I again asked Cash App to explain why my account was made negative long after the bank closed the case, and to provide the evidence they relied on. I did not receive the requested information.I am the fraud victim. 

My bank refunded me because Cash App failed to respond within the time they were given. Months later, Cash App unilaterally reversed that outcome and made my balance negative, effectively penalizing me for their own delay/non-response. They also made the date date appear on XX/XX/XXXX, as if my {$520.00} was declined from my bank back then when I transfered money to pay the scammer, whcih it was not. This has restricted my account and could lead to collections/credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: LA

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 identity 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 2025-08-09 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: NY

Complaint narrative:
Hello! I am requesting an immediate update of correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$40000.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00}

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 non-monetary relief
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be erroneous or incomplete, and you are required to conduct a reasonable investigation within 30 days. 
I formally request that the above information be reviewed, and if it can not be verified accurately, that it be updated as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
Under Section 605 ( a ) of the Fair Credit Reporting Act, negative information, including collection accounts, should only remain on my credit report for 7 years from the date of the first delinquency. Since this debt is over 7 years old, I request that it be removed from my credit file immediately.

Ive contacted trans union on 2 other disputes trying to establish this point. I spoke with someone online through a chat on their website. The individual stated the debt restarted with the new collector. Which I then tried to explain the fcra.

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 2025-08-09 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:
Complaint Regarding Unverified Debt and Inaccurate Reporting Complaint Description : I am filing a complaint regarding multiple debt accounts reported on my credit report, which are inaccurately marked as charge-offs. I have attempted to resolve these issues by sending debt validation requests to the debt collectors listed below, but I have not received proper validation or supporting documentation for the debts. As a result, these unverified debts are negatively affecting my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each of these accounts, I have requested proof of ownership and the original signed agreements, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). However, the debt collectors have failed to provide adequate validation. These unverified debts remain listed on my credit report, which is adversely affecting my credit score and overall financial standing. 

I respectfully request that the CFPB intervene in this matter, ensuring that these debts are either properly validated by the debt collectors or removed from my credit report if they can not be verified. Additionally, I request that the CFPB ensure the debt collectors are complying with their legal obligations under the FDCPA and FCRA. 

Enclosures :

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 2025-08-09 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: NC

Complaint narrative:
Re : Dispute of Inaccurate Charge-Off Request for Reinvestigation under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the accuracy of the following information appearing on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off Date Reported : XXXX This entry is inaccurate and/or incomplete, and therefore must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and to record the current status of the disputed information, or delete it from my file, within 30 days of receiving this notice. 

Furthermore, if the information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or modify the item pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Any verified reporting must be based on evidence that meets the FCRAs requirements for maximum possible accuracy. 

Enclosed are copies of [ supporting documentse.g., payment records, correspondence, statements ] that support my position. Please ensure that this charge-off entry is thoroughly investigated with the furnisher of information, and that you provide me with : A written statement of the results of your reinvestigation. 
A free copy of my credit report reflecting the outcome. 
A description of the procedure used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher contacted in connection with your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
If you are unable to verify the accuracy of this charge-off entry within the statutory period, you must delete it from my credit file. 
Thank you for your prompt attention to this matter. I expect your written response within the timeframe required by law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
Re : Dispute of Inaccurate Charge-Off Request for Reinvestigation under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the accuracy of the following information appearing on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off Date Reported : XXXX This entry is inaccurate and/or incomplete, and therefore must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and to record the current status of the disputed information, or delete it from my file, within 30 days of receiving this notice. 

Furthermore, if the information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or modify the item pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Any verified reporting must be based on evidence that meets the FCRAs requirements for maximum possible accuracy. 

Enclosed are copies of [ supporting documentse.g., payment records, correspondence, statements ] that support my position. Please ensure that this charge-off entry is thoroughly investigated with the furnisher of information, and that you provide me with : A written statement of the results of your reinvestigation. 
A free copy of my credit report reflecting the outcome. 
A description of the procedure used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher contacted in connection with your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
If you are unable to verify the accuracy of this charge-off entry within the statutory period, you must delete it from my credit file. 
Thank you for your prompt attention to this matter. I expect your written response within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for reporting an inaccurate Late 30 Days notation on my credit file for XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, reported on XX/XX/year>. 

This reporting violates my

rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 and 6802, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under 6801, financial instit
utions must protect the confidentiality of my nonpublic personal information. My late payment history is private and nonpublic.

Under 6802, financial institutions may not disclose nonpublic personal information to nonaffiliated third parties without proper notice and the opportunity to opt out. I never received such notice, nor did I give written consent for this late payment to be furnished to TransUnion. 

I formally disputed this item with TransUnion and requested deletion unless they could provide : 1. Proof of my written authorization to disclose the late payment to them. 
2. A copy of the privacy notice and opt-out opportunity provided to me. 

To date, TransUnion has not provided the required documentation and has failed to remove the late payment. This inaccurate and unauthorized reporting has harmed my credit profile and financial standing.

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 2025-08-09 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6700.00}

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 2025-08-09 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: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon 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 non-monetary relief
Consumer complaint received 2025-08-09 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: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief