vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 ( FCBA ) 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-17 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing these inaccurate and unauthorized information on my credit reports maintained by Equifax, Experian and TransUnion. 
The following collections were reported without my knowledge, consent, or authorization : XXXX XXXX XXXX XXXX XXXX XX/XX/year>, that resulted in collection with a Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX, that resulted in collection with a Balance : {$2900.00} Additionally, the following hard inquiries/accounts were reported without my authorization : XXXX XXXX, Experian Business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are inaccurate, unverifiable, and causing harm to my credit profile. I have never applied for or initiated any of these accounts or inquiries.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute these accounts and inquiries. I request that the credit reporting agencies and furnishers provide documentation verifying these items or remove them from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

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 XXXX 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 XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: CA

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 XXXX 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 XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AL

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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-17 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: NY

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law.

The following inquiries are unauthorized and must be permanently deleted : XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX I have already disputed these items directly with TransUnion, providing both my written dispute and a copy of my official FTC Identity Theft Report ( FTC Report # XXXX ). Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized.

I am being denied credit opportunities.

When I do receive approvals, I face higher interest rates and less favorable terms.

These violations have placed me at risk of further identity theft and financial 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 explanation
Consumer complaint received 2025-09-17 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:
dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
Re : Formal FCRA Dispute XXXX XXXX XXXX  ( Acct # XXXX ), XXXX XXXX  ( Acct # XXXX ), Inquiries XXXX  ( XX/XX/XXXX & XX/XX/XXXX ) Dear Experian Compliance Department , This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable items on my Experian file. 
1. XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX Last Activity inconsistent with other bureaus ( reported XX/XX/XXXX here vs. XX/XX/XXXX at XXXX  ). 
Account number truncated, violating 609 ( a ) ( 1 ).

Contradictory reporting : balance {$1100.00} while also stating Unpaid Balance Reported As Loss.

Reported simultaneously as Charge Off and Collection/Charge-Off.

Violations : 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ). 
XXXX XXXX Breaches : Account Number, Date of Last Payment, Account Status, Compliance Code XXXX. 
2. XXXX XXXX Acct # XXXX Payment history shows late notations through XXXX despite last activity in XXXX. 
Balance = {$0.00} but remarks state Unpaid Balance Reported As Loss. 
Truncated account number. 
Violations : 607 ( b ), 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Breaches : Payment Rating, Current Balance, Special Comment. 
3. Inquiries XXXX ( XX/XX/XXXX & XX/XX/XXXX ) Not tied to any open/active account, lacking permissible purpose. 
Violations : 604 ( a ), 607 ( b ). 
XXXX XXXX Breach : Inquiries must be linked to authorized permissible purpose.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
I am submitting this complaint against the following creditors and credit reporting agencies for inaccurate, incomplete, and unlawful reporting on my credit file. The accounts listed below are reported incorrectly and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and applicable consumer protection laws. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX High Balance : {$590.00}, Date Opened : XX/XX/XXXX Late Payment reported XXXX XXXXXXXX XXXX XXXX  High Balance : {$240.00}, Date Opened : XX/XX/XXXX Late Payment reported XXXX XXXX XXXX XXXX XXXX High Balance : {$790.00}, Date Opened : XX/XX/XXXX Late Payment reported XXXX XXXX XXXX XXXX XXXX  High Balance : {$770.00}, Date Opened : XX/XX/XXXX Late Payment reported XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00}, Date Opened : XX/XX/XXXX Late Payment reported XXXX XXXX XXXX XXXX XXXX  High Balance : {$640.00}, Date Opened : XX/XX/XXXX Late Payment reported Members XXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00}, Date Opened : XX/XX/XXXX Late Payment reported Federal XXXX Bankruptcy reporting Nature of Complaint : These accounts are being reported with inaccurate payment histories, balances, and derogatory marks. 

Certain accounts are obsolete and exceed the 7-year reporting limit under FCRA 605 ( a ).

The reporting of late payments and bankruptcy is misleading, incomplete, and unverifiable, which violates FCRA 609 & 611.

Under FCRA 607 ( b ), furnishers are required to ensure maximum possible accuracy before reporting. These creditors have failed in that duty.

Continuing to report unverifiable and inaccurate information constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

Requested Relief : I am demanding the following corrective actions : Immediate investigation of the above accounts.

Deletion of inaccurate, unverifiable, and obsolete negative information from my credit reports.

Written confirmation from the CFPB and the furnishers that these corrections have been made.

Compliance with all applicable laws, including FCRA, FDCPA, and bankruptcy protections under Title 11 USC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a consumer complaint against Cash App regarding abusive practices that have caused me financial and emotional harm. 

On XX/XX/year>, I attempted to transfer {$200.00} to my mother due to the urgent situation of a family members death. However, the transfer was never completed, and the funds were not delivered. 

Shortly thereafter, my Cash App account was suspended without prior notice, leaving an additional balance of {$99.00} inaccessible. This action resulted in a total loss of {$290.00}, which I have not been able to recover despite multiple attempts. 

This situation has not only caused financial hardship but also significant emotional distress, given the urgent and sensitive nature of the transfer. I believe these actions constitute abusive and unfair consumer practices. 

I respectfully request that your office investigate this matter and assist in recovering my funds. I am also requesting that Cash App be held accountable for its practices against consumers. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX. XXXX. Transaction number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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