vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-27 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am filing a complaint about inaccurate credit reporting by XXXX regarding my XXXX XXXX secured credit card. 
The Issue : XXXX reported me as " 30 days late '' in XX/XX/year>. However, I had the full balance ( {$690.00} ) in my XXXX Account as collateral the entire time. 
What I Did : When I opened the account in XX/XX/year>, I chose to make " manual payments. '' I understood this to mean I would manually transfer money from my Checking Account to my XXXX XXXX XXXX Account, which I did throughout XXXX, XXXX, and XX/XX/year>, depositing a total of {$910.00} ( net : {$690.00} after withdrawals ). 
I believed that transferring money to the XXXX Account WAS how I made manual payments. XXXX never clearly explained that I needed to take a separate action of clicking a " Make Payment '' button in the app after transferring funds. 
What Happened : On XX/XX/year>, XXXX closed my account and automatically deducted {$690.00} from my XXXX Account to pay the credit card balance. 
XXXX XXXX Admission : On XX/XX/year>, I contacted XXXX support. The agent ( XXXX XXXX confirmed in writing : " You didn't owe anything, Ioan. '' " Your account will be auto-paid on closure. '' The Problem : If I didn't owe anything and the account was paid from my XXXX Account, then the " 30 days late '' mark on my credit report is INACCURATE and must be removed. 
When I asked XXXX to correct this inaccurate reporting, they refused and ended the chat. 
What I'm Requesting : Removal of the false " 30 days late '' mark from all three credit bureaus ( TransUnion, XXXX, XXXX  ) Correction of account status to show it was paid from secured collateral Investigation of XXXX XXXX misleading " manual payment '' terminology that caused this confusion Evidence : I can have attached : Chat transcript screenshots showing XXXX XXXX admission XX/XX/year> statement showing automatic payment from XXXX Account on XX/XX/year> TransUnion credit report showing the inaccurate late mark All monthly statements proving I had the funds

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint narrative:
I am filing a complaint about inaccurate credit reporting by XXXX regarding my XXXX XXXX XXXX credit card. 
The Issue : XXXX reported me as " 30 days late '' in XX/XX/year>. However, I had the full balance ( {$690.00} ) in my XXXX  Account as collateral the entire time. 
What I Did : When I opened the account in XX/XX/year>, I chose to make " manual payments. '' I understood this to mean I would manually transfer money from my Checking Account to my XXXX XXXX XXXX Account, which I did throughout XXXX, XXXX, and XX/XX/year>, depositing a total of {$910.00} ( net : {$690.00} after withdrawals ). 
I believed that transferring money to the XXXX  Account WAS how I made manual payments. XXXX  never clearly explained that I needed to take a separate action of clicking a " XXXX XXXX '' button in the app after transferring funds. 
What Happened : On XX/XX/year>, XXXX closed my account and automatically deducted {$690.00} from my XXXX  Account to pay the credit card balance. 
XXXX 's Admission : On XX/XX/year>, I contacted XXXX support. The agent ( XXXX XXXX confirmed in writing : " You didn't owe anything, XXXX. '' " Your account will be auto-paid on closure. '' The Problem : If I didn't owe anything and the account was paid from my XXXX  Account, then the " 30 days late '' mark on my credit report is INACCURATE and must be removed. 
When I asked XXXX to correct this inaccurate reporting, they refused and ended the chat. 
What I'm Requesting : Removal of the false " 30 days late '' mark from all three credit bureaus ( XXXX, XXXX, Equifax ) Correction of account status to show it was paid from secured collateral Investigation of XXXX XXXX misleading " manual payment '' terminology that caused this confusion Evidence : I can have attached : Chat transcript screenshots showing XXXX XXXX admission XX/XX/year> statement showing automatic payment from XXXX  Account on XX/XX/year> XXXX  credit report showing the inaccurate late mark All monthly statements proving I had the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am a consumer attempting to repair my credit. I am filing this complaint because the credit reporting agencies listed below are reporting inaccurate or unauthorized information on my credit file. I have attempted to resolve these matters directly with the credit bureaus, but the issues remain unresolved. I am requesting the CFPBs assistance in having these inaccuracies fully investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 


Charged-Off Accounts There are charged-off accounts on my TransUnion report that are either inaccurately reported or unverifiable. 
I request a thorough investigation into each, and that any account lacking proper verification be deleted in accordance with FCRA 611. 

Unauthorized/Questionable Inquiries TransUnion is reporting the following inquiries, many of which I do not recognize or did not authorize : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX request that TransUnion verify each of these inquiries for proper authorization and permissible purpose. 
If documentation can not be provided showing that I initiated or consented to these pulls, I request immediate deletion.

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, a client paid me through Square for an in-person hair service I provided to her the same day. This was the very first transaction on my Square account. Immediately after the payment was processed, Square froze the funds without warning and closed my account. I was not accused of fraud, and there were no disputes or chargebacks from the customer. The service was completed in full, and the client was satisfied. When I contacted Square, I was told that because the account was closed, no one could review or release the funds, and I was not given any opportunity to provide documentation to verify the legitimacy of the transaction. The funds from this completed service have now been placed on a 180-day hold, and I am simply requesting a fair manual review and explanation for why my very first legitimate transaction was treated as high-risk and immediately frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: KY

Complaint narrative:
I am writing to dispute the following items on my credit report. I believe they are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau. 

Charged Off XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$31000.00} Late Payments XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-27 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: VW Credit
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : VW CREDIT - XXXXXXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recieved an emial from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Transunion LLC on XX/XX/XXXX. And again my name is mispelled I am currently filed a case against TransUnion LLC in the XXXX  XXXX XXXX. They been misspelling my name. Since XXXX, which has caused me significant harm in constant credit deniand difficulty in retrieving my credit score, my free annual credit report. 
I received a notice from XXXX XXXX regarding insurance with the insurance with the incorrect name spelling, I contacted them Wednesday. XX/XX/XXXX regarding the matter and they have not responded back to me as to why my name is misspelled. 
I am not sure how I am with XXXX XXXX XXXX, when I don't recall signing up or giving them consent. 

The incorrect spelling of my name has caused me years of harm in denials of my right to credit including XXXX XXXX due to the inaccurate information on my credit report from Trans Union LLC

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 2025-11-27 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: FL

Complaint narrative:
I am disputing the following items on my TransUnion credit report that I believe are inaccurate or incomplete : Inquiries : 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 2025-11-27 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:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Date : XX/XX/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 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

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 2025-11-27 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: NC

Complaint narrative:
I am submitting this dispute because the information listed on my credit reports is inaccurate, incomplete, or being reported in a way that does not reflect my true consumer history. I am requesting a full investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
Below are the items I am disputing, separated by each credit bureau. 

Charged Off Accounts Disputed The following account is inaccurately reporting : TILT, XXXX, XX/XX/year>, {$390.00} Inquiries Disputed No inquiries listed ; however, I request TransUnion to verify all existing inquiries for accuracy and proper authorization. 

Late Payments Disputed These late payments are incorrectly reporting or unverifiable : XXXX, XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX Positive Accounts Please leave all positive and verified accounts intact.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
This was a apartment that XXXX XXXX was on the lease he pass away and the judge said clear that I was never to have this account on my credit. The state paid this account with the covid emergency relief funds and I should have never been on the judgement. This is illegal and the judge stated not on my credit, never reported on my credit. The owner should be fine this is fraud!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am disputing multiple accounts reported by Experian that appear inaccurate, outdated, or unverifiable. I request a full investigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off / Negative Accounts : XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX {$1600.00} XXXX Acct # XXXX Opened XX/XX/XXXX {$1600.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX {$880.00} XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX {$520.00} XXXX Acct # XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX {$18000.00} XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Listed at {$10000.00} I am requesting Experian to verify these accounts with the furnishers. Any item that can not be properly verified or documented should be removed from my report. 

Please provide written confirmation of the results of your investigation.

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 2025-11-27 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:
This letter serves as my official notice challenging the listed accounts. I neither recognize nor approved their creation. I request their deletion and a full investigation. Relevant 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 2025-11-27 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: NY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-27 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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