vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to report a fraudulent account that has appeared on my credit report and I want to be absolutely clear : this account is the result of unauthorized use of my identity. I did not open this account, I did not apply for credit with this company, and I did not authorize anyone to do so on my behalf. 

This is a clear case of identity fraud. I had no involvement in this transaction, and Im not going to be held responsible for something I didnt initiate or consent to. Whether someone used my personal information without permission or this is a reporting error, the result is the same : this account is not mine and should not be on my credit file period.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint against Cash App, operated by Block , Inc., concerning the wrongful closure of my account without a clear explanation or prior notice. I believe this action was taken without cause and did not violate the company 's Terms of Service.On XXXX I received notification that my Cash App account had been closed. I was not provided with a specific reason for this action, nor was I allowed to address any alleged issues. I have reviewed Cash App 's Terms of Service and can confirm that I have not engaged in any activities that would constitute a violation. 

Despite reaching out to Cash App 's customer support via in-app support, email, and phone, I have not received a satisfactory explanation or resolution. This lack of communication and transparency has caused significant inconvenience and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
My student loan with XXXX went delinquent because of one missed payment which was not intentional. My account was in forbearance over the last 3.5 years due to Covid. 
I kept trying to call XXXX and nobody ever answers the phone. I was not able to make payment because they also changed their platforms. I have a negative mark on my credit report now, and based on XXXX own information on their website they stated that they will provide USPS mail if your account is 60 days past due, which they did not. I have tried numerous times to dispute with XXXX to have this mark removed as it is in violation of their own policy. 
I am applying for a rental application and my score dropped XXXX points due to this negative report, a negative report that is in violation of XXXX policies and needs to be fixed.

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 2025-06-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My student loan with XXXX went delinquent because of one missed payment which was not intentional. My account was in forbearance over the last 3.5 years due to Covid. 
I kept trying to call XXXX and nobody ever answers the phone. I was not able to make payment because they also changed their platforms. I have a negative mark on my credit report now, and based on XXXX own information on their website they stated that they will provide USPS mail if your account is 60 days past due, which they did not. I have tried numerous times to dispute with XXXX to have this mark removed as it is in violation of their own policy. 
I am applying for a rental application and my score dropped XXXX points due to this negative report, a negative report that is in violation of XXXX policies and needs to be fixed.

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 2025-06-16 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: NY

Complaint narrative:
My student loan with XXXX went delinquent because of one missed payment which was not intentional. My account was in forbearance over the last 3.5 years due to Covid. 
I kept trying to call XXXX and nobody ever answers the phone. I was not able to make payment because they also changed their platforms. I have a negative mark on my credit report now, and based on XXXX own information on their website they stated that they will provide USPS mail if your account is 60 days past due, which they did not. I have tried numerous times to dispute with XXXX to have this mark removed as it is in violation of their own policy. 
I am applying for a rental application and my score dropped XXXX points due to this negative report, a negative report that is in violation of XXXX policies and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are continuing to report accounts on my credit report that are directly related to identity theft, despite multiple formal disputes and submission of supporting documentation, including a police report, FTC Identity Theft Report, proof of address, and a copy of my government-issued ID. 

These accounts were not opened by me and were identified as fraudulent during my identity theft investigation in XXXX and XX/XX/year>. I have made several requests for the permanent removal of these accounts, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite providing all required documentation, these companies have failed to block or delete the fraudulent information as required under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies and furnishers to block identity theft-related information within 4 business days of receiving appropriate documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires a reinvestigation and resolution within 30 calendar days of a formal dispute.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting inaccurate or fraudulent information once they are notified of a dispute and identity theft. 

These violations have caused ongoing harm to my credit file and financial wellbeing. I am requesting that the CFPB enforce the immediate and permanent deletion of these fraudulent accounts from my credit report and take action against both companies for failing to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
XXXX XXXX XXXX Account Numbers : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to file a formal complaint regarding the inaccurate, misleading, and unlawful reporting of a collection account being reported by XXXX XXXX XXXX, and published on my consumer credit reports by both Experian and Equifax. 

The same account is being reported under two different account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These two  listings represent the same alleged debt, yet are being reported with inconsistent and conflicting account numbers, which is inaccurate and misrepresents the nature of the account. This practice violates my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies must assure maximum possible accuracy of the information they report. 

Violations Committed : 1. Inaccurate and Duplicate Reporting : Reporting a single alleged debt under multiple account numbers is misleading and has a negative effect on my creditworthiness. This not only gives the appearance of multiple debts where only one exists, but also artificially inflates my debt load, in direct violation of : 15 U.S.C. 1681e ( b ) Failure to maintain accuracy ; 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresenting the character or amount of the debt.

2. Failure to Provide Required Disclosures : I was never provided with the proper disclosures or notices from XXXX XXXX XXXX, Experian, or Equifax stating that this debt would be reported to the credit bureaus, or that I had a right to dispute it before it was reported. This violates : 15 U.S.C. 1692g ( a ) of the FDCPA which requires a debt collector to notify the consumer within 5 days of the initial communication of their right to dispute ; 15 U.S.C. 1681s-2 ( a ) ( 3 ) which requires furnishers to notify credit bureaus if an account is disputed by the consumer ; 15 U.S.C. 1681s-2 ( b ) which requires a reasonable investigation when a dispute is submitted. 

Harm Caused : Due to the multiple and inaccurate listings of this debt, my credit profile has been significantly harmed. This includes : Reduced credit scores ; Denial of favorable terms on credit offers ; Emotional distress caused by persistent misreporting of inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report.

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship.

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks.

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX/DOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXX, XXXX/DOFED XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
For on or about 2 years of filing with CFPB on a company Amerihome Mortgage Company LLC.The company haven't sent the information asked one them to us.If everything you say is true then PROVE IT ... Putting the home up for foreclosure on XXXX and many others places on the web. Having people ride by the house and having someone come up 17 flights of stairs and taking pictures scaring the children in the home. Now we are trying to filled a case against this company.To get this matter taken care of. The home has signs posted on the house and in the yard about trespassing.This is a family home with children that loves it privacy and its being violated to the max. Amerihome Mortgage Company still failed to show standing and has agreed to hold affiant/s ( us ) our family home harmless involving an alleged debt when information lacks full disclosure.We ask for no contact through any medium nor by third party in reference to us and our home.

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 2025-06-16 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:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX : {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX : {$4900.00}

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are continuing to report accounts on my credit report that are directly related to identity theft, despite multiple formal disputes and submission of supporting documentation, including a police report, FTC Identity Theft Report, proof of address, and a copy of my government-issued ID.

These accounts were not opened by me and were identified as fraudulent during my identity theft investigation in XXXX and XX/XX/year>. I have made several requests for the permanent removal of these accounts, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

Despite providing all required documentation, these companies have failed to block or delete the fraudulent information as required under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies and furnishers to block identity theft-related information within 4 business days of receiving appropriate documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires a reinvestigation and resolution within 30 calendar days of a formal dispute.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting inaccurate or fraudulent information once they are notified of a dispute and identity theft.

These violations have caused ongoing harm to my credit file and financial wellbeing. I am requesting that the CFPB enforce the immediate and permanent deletion of these fraudulent accounts from my credit report and take action against both companies for failing to comply with federal 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 2025-06-16 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 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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 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 2025-06-16 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: GA

Complaint narrative:
Please see attachments. 
I have not supplied proof under the doctrine of estopper by silence,XX/XX/XXXXPresume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief