vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
I am formally disputing the accuracy and completeness of the accounts listed above, as reported on my TransUnion credit file. These tradelines contain inaccurate, incomplete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) 602 ( a ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

1. Failure to Maintain Maximum Possible Accuracy FCRA 607 ( b ) The reporting of inconsistent payment histories, unverifiable Late Over 120 Days codes, and conflicting Date of Last Payment vs. Date of Last Activity fields demonstrates a lack of reasonable procedures to ensure accuracy. 
XXXX. Unverifiable Payment History and Delinquency Coding For example, the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX show differing XXXX sequences across bureaus and between updates. XXXX Field 17 ( Payment Rating ) and Field 18 ( Current Status ) can not simultaneously indicate Over 120 Days and Open without documentary proof.

3. Incomplete or Contradictory Data Furnisher Reporting FCRA 623 ( a ) ( 1 ) ( A ) Each furnisher is responsible for furnishing complete and accurate information. Missing or XXXX XXXX XXXX data ( XXXX XXXX XXXX XXXX ) and inconsistent High Credit vs. Balance figures breach XXXX Fields XXXX, XXXX, and XXXX. 
XXXX. Prior Dispute Markers and Non-Compliant Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) These accounts previously show comments such as Account previously in dispute now resolved. Unless TransUnion can provide documentation showing that a bona fide reinvestigation meeting XXXX v. TransUnion ( XXXX XXXX XXXX ) standards occurred, these notations violate 611 ( a ) ( 5 ) ( A ). 
XXXX. Data Breach / GLBA 6802 Violation Multiple furnishers ( notably XXXX XXXX and XXXX ) have experienced documented consumer-data compromises. Reporting such data post-breach, without renewed permissible-purpose authorization under FCRA 604 , constitutes a privacy-safeguard failure.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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  INQ - EQ : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
XX/XX/year> Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Mohela Loan Server, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 


Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AZ

Complaint narrative:
My phone and wallet were stolen and over XXXX bucks went missing out of my account. I reported stolen canceled card and requested a new one changed password and pin etc. submitted for a refund and they stated I was not eligible for a refund and denied it then informed me that my account was closed due to me violated the policy agreement... bit refused to let me know how I violated agreement. And won't let me open another account or anything. I contacted some of the charges company and they returned some of the refunds.... cash app stated they were processed correctly and refused to refund me but even the company knew they were fraudulent. So I know they didn't actually investigate anything. This happened in XXXX of XXXX  I hadn't reported a lot of refund request but there were quite a few charges that they refused to refund ... That were over XXXX dollars etc.. I fought with them for months...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IN

Complaint narrative:
I recently reviewed my credit report and discovered that my credit file was accessed and used without my authorization. I contacted the listed companies, and none could provide written or verbal proof of authorization, nor documentation showing a Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ). Under the FCRA, a consumer reporting agency may only furnish a report for specific purposessuch as a credit transaction initiated by the consumer, employment with written authorization, insurance underwriting, or a court order. None of these apply in this case, and no evidence has been provided that I initiated or consented to any such access. 

This constitutes an unauthorized use of my credit report and a violation of my privacy rights under federal law. They have failed to provide proof of permissible purpose, yet continue to maintain these records on my file.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor XXXX not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Credence Resource Management failed to maintain a valid consumer mailing address and continues to report an unverified collection account. 

Details : I mailed a certified debt validation letter to Credence Resource Management on XX/XX/year>, but the letter was returned to sender as undeliverable. This means Credence does not maintain a valid consumer correspondence address for dispute resolution. 

Despite this, the collection account remains on my credit report unverified and unmarked as disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reported as collection/debt buyer account : Appears unverified and may exceed Reporting period. 

Reported as 60-89 days past due Payment status inconsistant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IN

Complaint narrative:
I was recently a victim of identity theft and these accounts shall be deleted within XXXX business days. These are highly injurious to my credit file and causing emotional damage.

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 2025-10-20 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my third and final attempt to have my personal information corrected by [ Experian / Equifax / TransUnion ].

For over three months, I have mailed certified letters with my valid Illinois State ID, Social Security card, and recent bank statement as proof of identity and address. Despite this, the bureau continues to send duplicate letters requesting the same documents and has not removed or corrected outdated names and addresses.

I mailed another certified letter on XX/XX/year> with all required documentation. I am requesting immediate correction of my personal information in compliance with FCRA 611 ( a ) and confirmation in writing once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CL Holdings LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : [ Insert Date ] To : Credit Bureau [ Insert Bureau Name e.g., XXXX  / XXXX  / XXXX  ] [ Insert Bureau Address ] Subject : Cease and Desist Request Regarding Inaccurate Accounts Accounts : XXXX XXXX XXXX Account No. XXXX Jefferson Capital Account No. XXXX Dear Sir or Madam, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise disseminating any information regarding the following accounts listed under my name and credit file : XXXX XXXX XXXX, Account No. XXXX Jefferson Capital, Account No. XXXX These accounts are being disputed and are not valid debts. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that any information you report is accurate and verifiable. I demand that you immediately cease reporting these accounts until proper verification has been provided.

If you can not provide written verification of these debts, you must remove them from my credit report immediately. Any continued reporting of unverifiable or inaccurate information constitutes a violation of federal law.

I also request written confirmation that you have received this Cease and Desist notice and that the above accounts have been investigated and, if unverified, deleted from my credit file.

Thank you for your prompt attention to this matter.

Sincerely, [ Signature ] XXXX XXXX SSN ( Last 4 ) : XXXX Date of Birth : XX/XX/year> Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
The reported item mischaracterizes my payment history and seems inaccurate. I respectfully ask that it be reviewed and removed.This record is inconsistent with my proven pattern of on-time payments and appears erroneous. Please investigate and correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe is the result of a data breach and/or identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this account ( s ) or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach.This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this account ( s ) or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach.This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this account ( s ) or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach

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 2025-10-20 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: TX

Complaint narrative:
On the night of XX/XX/XXXX, my purse was stolen, which had my phone and cards in there. Unfortunately, I did not have my phone locked. The thief drained ALL my accounts ( personal and credit card accounts ). I was able to fix them all except Cashapp. Never thinking something like this would happen, of course my personal bank was linked to cashapp. When the thief had my phone, on XX/XX/XXXX they attempted to send themselves {$3000.00} but it didnt work. Then not sure how Cashapp works, they transferred to Cash app EVERYTHING I had in my personal bank account. It zeroed out my bank account. The amount they stole from my bank account was {$2200.00}. They then transferred that amount into their debit card. 
It has been a nightmare with incompetente assistance with cash app. I had to message and call SEVERAL times before my dispute was finally taken serious. Monday, XX/XX/XXXX I received an email stating the dispute was to my favor and they credited the money back into my account. The following day it was completely gone. I have been trying since XX/XX/XXXX to get an answer. Cash app keeps stating that the money went back to my bank account BUT I have called XXXX XXXX XXXX several times and they have no trace of such refund. Cashapp has not released the funds back to XXXX XXXX XXXXXXXX and did not credit me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief