vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-08-13 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: NV

Complaint narrative:
TransUnion is reporting a XXXX XXXXXXXX XXXX  charge-off with facially inconsistent data and has verified it as accurate after my disputes. This is not a new dispute ; it is a complaint about verified inaccuracies and a failed reinvestigation under the FCRA. 

Evidence attached : XXXX XXXX letter listing Highest Credit {$560.00} and charge-off {$560.00} ; my TransUnion report showing High Balance {$610.00} for the same account ; and TransUnions dispute results stating verified/updated, plus monthly charge-off notations into XXXX and a continuing past-due amount on a closed, charged-off account. 

Key issues include : ( 1 ) an amount conflict ( {$610.00} vs {$560.00} ) that can not both be true ; ( 2 ) misleading timing, because repeated monthly charge-off updates into XXXX make a XXXX charge-off look recent; and ( 3 ) improper status, because a charged-off, closed account should not show an ongoing past-due amount. 

TransUnion failed to follow reasonable procedures to assure maximum possible accuracy and to conduct a reasonable reinvestigation, in violation of 15 USC 1681e ( b ) and 15 USC 1681i. When information is inaccurate, incomplete, or can not be verified, Section 611 requires deletion, not a rubber-stamp verification. Reliance on a furnishers bare verification code is not reasonable where the data conflicts with the furnishers own written letter. Furnisher duties under 15 USC 1681s-2 ( b ) and Reg V ( 12 CFR 1022.42 ) do not relieve TransUnion of its independent obligations under Sections 607 and 611. 

I am the consumer. To pre-authenticate, I am attaching : ( 1 ) government ID ; ( 2 ) recent utility/bank statement with my current address ; and ( 3 ) SSN verification ( last 4 only ). Under FCRA 15 USC 1681i ( a ) ( 1 ) ( A ) you must conduct a reasonable reinvestigation. If you believe additional identity information is required, 15 USC 1681i ( a ) ( 3 ) ( A ) obligates you to notify me within 5 business days with the specific items needed. Do not terminate this dispute as frivolous/irrelevant for identity reasons without that notice.

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 2025-08-13 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:
This record of a late payment appears to be an isolated and uncharacteristic error. I ask that it be eliminated and my account corrected to reflect my typical payment practices.

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 2025-08-13 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: CA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS AND FRAUDULENT INQUIREIES ON MY REPORT. ( ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX H I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED FRAUDULENT INQUIRIES ON MY REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint against Equifax because I have submitted multiple factual disputes regarding inaccurate and unverifiable accounts appearing on my credit report. Despite providing sufficient documentation and clear evidence, Equifax has failed to remove these accounts as required under the Fair Credit Reporting Act ( FCRA ). The disputed items remain on my report without proper investigation, causing continued damage to my creditworthiness. I am requesting that Equifax immediately conduct a thorough and lawful reinvestigation, and remove all inaccurate, unverifiable, or duplicate accounts to ensure my credit file reflects only fair and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-13 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
It looks like someone got a hold of my phone and sent money to themselves through cash app. I didn't notice the money was gone until a few days later. I went through the Cash app process of requesting a refund and didn't get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have included the necessary documents to support my claim.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-13 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: Kovo
State: MD

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen from my vehicle after it was unlawfully entered while parked at a public location. My wallet contained personal identification and financial information. 



Several months later, I discovered that a fraudulent credit account had been opened in my name with KOVO without my authorization. On XX/XX/XXXX, I submitted a complaint to the CFPB, and on XX/XX/XXXX, I reported the fraud directly to KOVO. 



KOVO has provided written confirmation that the account is fraudulent and that it will be deleted from my credit report within 30 to 60 days. However, despite this clear acknowledgement from the company, the account remains on my credit report and continues to harm my credit profile.

This ongoing inaccuracy is a direct violation of the Fair Credit Reporting Act, which requires furnishers and credit bureaus to promptly correct or delete information that is found to be inaccurate or unverifiable. I am requesting the CFPBs immediate intervention to ensure that : KOVO instructs all credit bureaus to remove the fraudulent account without further delay, and All three credit bureaus promptly update my credit file to reflect the deletion.

This matter has already been investigated and confirmed by the furnisher, so there is no legitimate reason for the account to remain on my credit report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
National Finance Company XXXX, NC ( XXXX ) XXXX This financial debt collector repeatedly called me from the XXXX number, exceeding 7 times in 7 days. This only includes that number and no other means of contact. 
Between XX/XX/XXXX and XX/XX/XXXX, the company called me at least 8 times. 
Between XX/XX/XXXX and XX/XX/XXXX, the company called me at least 9 times. 
Between XX/XX/XXXX and XX/XX/XXXX, the company called me at least 8 times. 
Between XX/XX/XXXX and XX/XX/XXXX, the company called me at least 8 times. 
This is just part of the times they contacted me.

They sent me a threatening letter in the mail after 1 missed payment, saying they are going to send the sheriff to my house.

I previously filed a complaint here. Later, the company sent a text saying they would defer payments and to contact them.

I contacted them and they refused to defer payments. Instead, they said I have to refinance. They sent me a link. I signed the paperwork on the link and submitted it.

Since this company lacks transparency, I am unable to have access to the signed papers or any info regarding my account. The only thing the website tells me is " You have already completed this document. '' I submitted the document on XX/XX/XXXX. The company dated it the XXXX and I put the XXXX because I was unsure of the date. I was unable to go back and edit the date since there is no access to anything regarding my account.

After signing the refinance papers around XXXX, that same day around XXXX, the company sent me an email saying that I didn't sent it and said I have to sign them again, and this time I have to pay them an aditional fee, and I was also told I will have to pay {$18.00} dollars each day that passes that I do not sign them. They also said they filed legal papers on me, and I must sign or they will take me to court. This is for being 1 and a half months behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-08-13 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Unauthorized entities have opened and reported fraudulent accounts, using my identity without my authorization, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681b,1681c ) and 605B. These entities are reporting inaccurate and unverified information, constituting identity theft and violating my legal rights to accurate credit reporting and privacy. I demand immediate removal and permanent blocking of all fraudulent accounts on all my credit reports, at all credit reporting agencies and bureaus, cessation of all collection activities related to these accounts, and full compliance with the FTC and CFPB regulations. Continued reporting or collection without proper validation violates federal law and may result in legal action. I assert my rights to protect my identity and ensure accurate credit reporting. I demand prompt investigation and immediate removal, and blockage of all fraudulent information in accordance with federal law to prevent further harm thereof.

The following are accounts affected : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} XXXX. Credence Resource Management Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$210.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$880.00} XXXX. XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Unauthorized entities have opened and reported fraudulent accounts, using my identity without my authorization, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681b,1681c ) and 605B. These entities are reporting inaccurate and unverified information, constituting identity theft and violating my legal rights to accurate credit reporting and privacy. I demand immediate removal and permanent blocking of all fraudulent accounts on all my credit reports, at all credit reporting agencies and bureaus, cessation of all collection activities related to these accounts, and full compliance with the FTC and CFPB regulations. Continued reporting or collection without proper validation violates federal law and may result in legal action. I assert my rights to protect my identity and ensure accurate credit reporting. I demand prompt investigation and immediate removal, and blockage of all fraudulent information in accordance with federal law to prevent further harm thereof.

The following are accounts affected : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$210.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$740.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$880.00} XXXX. XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX  XXXX, which XXXX XXXX confirmed would be removed but remains on my report ; XXXX XXXX XXXX XXXX  XXXX ; and XXXX XXXX XXXX of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XXXX XXXX XXXX which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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