vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
I am writing to formally dispute the following accounts that I believe are reported inaccurately. I request that you investigate these items and ensure that they are reported correctly, in compliance with the Fair Credit Reporting Act. Specifically, I am disputing the accuracy of these charged-off accounts, inquiries, and late payments. 

Charged Off Accounts : DOE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1100.00} XXXX, XXXXXXXX XXXX XXXX XXXX *, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$720.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple entries )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
Examine the included data ; these inquiries surfaced suddenly and might not be legitimate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased some handbags from XXXX  XXXX  using XXXX  for the first time. When I noticed that the wrong color of bag was in my confirmation email, I cancelled the order with XXXX XXXX  customer service and received confirmation. XXXX XXXX still sent the items and I returned as stated. My refund was not processed to my original payment, they sent store credit. XXXX will not resolve issue despite filing a complaint with XXXX  and my case being approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
The Exeter Finance company is financing my XXXX  XXXX XXXX car. I asked them for a payment exception for the month of XXXX which was granted to me and the automatic payment that corresponded to it was canceled, however they collected this payment without my authorization causing an overdraft in my account with the corresponding charge of it for several consecutive days. I have the contract signed for this payment exception, so I consider it a fraud that they have made this charge without my authorization causing serious damage to my finances and my emotional health. I contacted them and despite acknowledging their mistake and offering me an apology, they told me that they can not give me a solution to my problem urgently as I need it to avoid further economic and emotional damage to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
These accounts are not mine and appear to be fraudulent. Please remove them from my credit file and conduct a full investigation. Documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Kindly review the documents provided ; these inquiries appeared without any prior warning and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 dispute the following accounts, which I believe are reported inaccurately. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX XXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  XXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$940.00} XXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX  ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$550.00} INQUIRIES XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX  - Date Opened : XX/XX/XXXXXXXX XXXX  - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  - Date Opened : XX/XX/XXXXXXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX XXXX  - Date Opened : XX/XX/XXXXXXXX XXXX  - Date Opened : XX/XX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX LATE PAYMENTS 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 non-monetary relief
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX this account has inaccurate open dates, Transunion has a open date XX/XX/year> but the other credit companies has XX/XX/year>.. inaccurate data reporting. and also reporting different balances from XXXX  this account also is stated that it is open with trans union but is closed with XXXX  and XXXX. Account name : XXXX # XXXX Transunion has this account as paid but XXXX  is reporting transferred inaccurate information also with this account i found several inaccuracies date account open, type of creditor, creditor remarks and account type. Account name : DPT EDXXXX # XXXX accounts numbers are different with the other two companies inaccurate information being reported. Account name : XXXX XXXXXXXX XXXX XXXX this account is report paid, closed, and open across all three companies also the date of open is different, Account name : XXXX is also reporting different account numbers. XXXX  account # none a letter XXXX  which is inaccurate information. XXXX XXXX has inaccurate information regarding open date and status Lastly XXXX XXXX XXXX with unverifiable account # has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My phone was stolen on the morning of XX/XX/XXXX. They were able to get into my phone and steal my identity. They applied for multiple credit cards and made multiple charges in my name. I filed a dispute with Target but they rejected the claim saying it was me and that I picked up the order but I have never been to the Target in XXXX. They applied for a Target credit card in my name then made a {$250.00} purchase both on XX/XX/XXXX per the receipt attached. This was not me nor did I authorize this transaction. This was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I am writing to formally file a complaint regarding two large bank transfers that have not been credited to the intended recipients account and remain unresolved despite my repeated efforts with the bank. On XX/XX/year>, I transferred {$100000.00}, and on XX/XX/year>, I transferred {$400000.00} to XXXX XXXX. The total amount transferred was {$510000.00}. After these transactions, the bank informed me that the funds were not credited because I needed to maintain a sufficient balance in my account to complete the transactions. However, I was later told that the transfers could not be reversed because they had already been sent. As of today, the funds have not been credited to XXXX XXXX, nor have they been returned to my account. The banks responses have been inconsistent and have caused significant financial distress. I am requesting the CFPBs assistance in investigating this matter and ensuring that either the transfers are completed properly. Thank you for your attention and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY These accounts should not be furnished on my computer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! XXXX. XXXX XXXX XXXX XXXX XXXX$110.00} opened XXXX XXXX. XXXX XXXX XXXX - {$110.00} opened XXXX XXXX. XXXXXXXX XXXX XXXX - {$280.00} opened XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I dispute these accounts as fraudulent, as I have no connection to them. Please investigate and ensure their removal. Documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am requesting a reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) ) into the following items that appear incorrectly on my Experian report : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX This account is over 7 years old and should no longer appear under FCRA 605 ( a ). 
XXXX XXXX XXXX Account # XXXXXXXX XXXX Closed in XXXX but appears with an active or open status. This is inaccurate under 607 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXXXXXX XXXX PRODUCT Debt Collection ISSUE Written notification about debXXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX saying that I owed them some money. 
Through several letters that I sent to them, I requested validation of the debt which they never provided. 
On their last letter of XX/XX/XXXX, they said they were investigating. However, by searching the internet I found out that XXXX XXXX XXXXXXXX had filed a law suit against me on XX/XX/XXXX in 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 2025-11-03 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: PA

Complaint narrative:
I am formally disputing the following entries pursuant to 15 U.S.C. 1681i and 1681e ( b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX balance {$400.00}, opened XX/XX/year>. This account contains incomplete and unverified information and may not accurately reflect the original creditor details. Please conduct a reasonable reinvestigation and delete if verification can not be documented. 
XXXX XXXX  ( Closed Account ) Reports a Late 90 Days payment status though the account is closed and paid with a {$0.00} balance. This misrepresents the current status and fails the FCRA accuracy standard ( 1681e ( b ) ). Please update to show Closed/Paid as Agreed or remove the tradeline if the system can not properly display it. 
Provide the method of verification and reinvestigation procedure in writing within 15 days of completion of your investigation ( 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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