vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a dispute for multiple accounts that are incorrectly reported on my TransUnion credit report. These accounts have reporting inaccuracies, including charged-off balances, unauthorized inquiries, and late payments. I respectfully request your assistance in correcting these discrepancies. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$2700.00} Dispute Reason : Inaccurate reporting of the charged-off status and incomplete payment history. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$3800.00} Dispute Reason : Inaccurate reporting of the charged-off status and incomplete payment history. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$2800.00} Dispute Reason : Inaccurate reporting of the charged-off status and incomplete payment history. 

XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$3700.00} Dispute Reason : Inaccurate reporting of the charged-off status and incomplete payment history. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$2700.00} Dispute Reason : Inaccurate reporting of the charged-off status and incomplete payment history. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$3700.00} Dispute Reason : Inaccurate reporting of the charged-off status and incomplete payment history. 

XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$20000.00} Dispute Reason : Account status and balance inaccuracies. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Inaccurate reporting of account status. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. 

XXXX XXXX Date : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. 

XXXX XXXX Date : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. 

REGIONALAC Date : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. 

Late Payments : XXXX XXXX Account Number : XXXX Dispute Reason : Incorrect reporting of payment status. 

XXXX Account XXXX : XXXX Dispute Reason : Incorrect reporting of payment status. 

XXXX Account XXXX : XXXX Dispute Reason : Incorrect reporting of payment status.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-14 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding the following charge-off account that is appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative charge-off is harming my credit report without any valid basis. I am requesting a full investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am writing to dispute the following items on my TransUnion credit report. These items need to be reviewed and corrected for accuracy : Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$9400.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year> Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a sheriff XXXX XXXX was served on my bank. At the time, the business account balance was not sufficient to cover the levy. Instead of leaving the legally required protected amount, the bank froze more funds than were available and pushed the account into a negative balance. This violates California Code of Civil Procedure section 704.220, which prohibits a bank from overdrafting an account when executing a levy and requires an automatic exemption amount to remain available for support. 

Because the levy created a negative balance, multiple automatic transactions that normally would have been declined were instead processed against the negative balance. As a result, the bank charged repeated overdraft fees across several business accounts beginning on XX/XX/XXXX and continuing through XXXX. 

On XX/XX/XXXX, I contacted the banks XXXX Department. The representative confirmed the issue, acknowledged the XXXX XXXX concern, and entered a notation in my account. No one followed up after that call. 

On XX/XX/XXXX, the banks system re-posted or re-dated the levy, which created additional negative impact and caused more overdraft fees. This was not a new levy, but an internal system action by the bank. 

I sent secure messages through online banking requesting an explanation, a review of the levy processing error, and reversal of all overdraft fees caused by the negative balance created by the levy. I also requested escalation to the banks Executive Resolution department. The bank has not corrected the issue.

I have already filed a formal Claim of Exemption with the sheriffs department responsible for the levy, and that claim is pending. In the meantime, the bank is continuing to charge overdraft fees that were directly caused by XXXX processing errors, not by customer transactions or misuse. 

California Code of Civil Procedure section 704.220 requires banks to automatically leave a protected minimum amount in a deposit account when processing a levy. This exemption applies to all individuals and sole proprietors and does not require any filing by the account holder. The bank may not take funds below the protected minimum and may not overdraft an account while executing a levy. At the time the levy was applied, the balance in the account was not sufficient to cover the levy, yet the bank froze the entire balance and pushed the account into a negative amount. This violated the automatic exemption under CCP 704.220 and directly caused the subsequent overdraft fees and negative balances across multiple business accounts. 

This situation has caused severe financial hardship, and the bank has not provided a meaningful explanation or resolution despite multiple attempts to address the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I was reported 120 days or more late for the month of XX/XX/year> and XX/XX/year> by XXXX XXXX. My account was under a Natural Disaster Forbearance which included protections against late payment reporting. I applied for loss mitigation options to take care of the arrears and resume my monthly payments before the end of the forbearance period in XX/XX/year>. The account was then placed under review for 30 days. During this time the company was not accepting monthly payments. I was notified on XX/XX/year> that I was going to be placed into a special unemployment forbearance and then I was immediately reported 120 days late for the month of XXXX. I contacted the company and let them know that I am not unemployed and did not ask for any sort of forbearance or payment deferment and that it was a mistake on their end. The company proceeded to take another 30 days to review the account to qualify me for a Trial Period Plan for a loan modification. I received the paperwork for this on XX/XX/year>. I immediately called the same day and asked to make a payment for XXXX since it wasnt included in the Trial Period Plan. I was explicitly told that if I made a payment before XX/XX/year> that they would cancel the Trial Period Plan and subsequent loan modification. So the company advised me not to make a payment for XX/XX/year> and then proceeded to report me 180 days late to the credit bureaus even though I have complied with everything required of me. I was also told that the status of the mortgage account would be updated to XXXX XXXX XXXX which has not happened. The status of the loan on the credit bureaus reads 120 days or more delinquent/late. I sent a Notice of Errors letter to the company on XX/XX/XXXX and the mistakes/issues have still not been rectified on my credit reports nor those of XXXX XXXX who is the co-signer on the loan.

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 2025-11-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year> I paid {$1200.00} through Cash App for a vehicle that was never delivered. The seller stopped responding after receiving the money. This was a fraudulent transaction ; no goods were received. 

Within the first 30 days I reported this to Cash App and to my card issuer and provided supporting evidence, including the XXXX Police Department report and the arrest information. CMPD Case Number : see attachment. I also filed a fraud report with the Federal Trade Commission. FTC Report Number : see attachment.

Despite this, Cash App failed to conduct a compliant investigation under Regulation E. They did not issue provisional credit within 10 business days, did not provide a timely written explanation for denying the dispute, and then refused to reconsider the claim even after I submitted additional evidence, including the police report and arrest records. My XXXX  card issuer indicated Cash App is the payment processor responsible, but Cash App closed the matter without correcting the loss or explaining how their handling complied with federal requirements. 

I am filing this CFPB complaint because I did not receive the goods, I documented the fraud promptly, and Cash App has not followed Regulation E or returned my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: 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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-14 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I am writing to formally dispute the following items on my Experian credit report, which I believe are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). The accounts listed below contain errors that must be investigated and corrected. 
Disputed Accounts : XXXX. XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Original Creditor : XXXX XXXX  o Status : Charged off, Collection o Violation ( XXXX ) : Inaccurate reporting of account status ( Collection/Charge-Off not accurately reflected ) Potential FCRA violation under 609 for incomplete or unverifiable account information Data breach concerns regarding unauthorized access to sensitive financial data o Request : Immediate removal or correction of this account from my credit report.

Please provide verification or remove this entry.

FCRA Violations : Failure to Investigate : As per FCRA 611, credit reporting agencies must properly investigate disputes. The failure to do so has resulted in continued inaccuracies on my report. 
Failure to Report Accurate Information : FCRA 623 mandates accurate reporting. 
The current account details do not reflect the true status of my credit

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 2025-11-14 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 submitting this formal complaint regarding inaccuracies I have noticed on my credit reports with the XXXX major credit bureaus. The details of the accounts in dispute are outlined below. I request that these issues be investigated, and the necessary corrections be made to reflect accurate information. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The status of this account does not align with my records. I request further details regarding this charge-off and proof of balance. 

Bankruptcy Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX dispute this bankruptcy record as it lacks adequate documentation and details, and I request a thorough investigation. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} I am contesting the charge-off status of this account and ask for proper documentation to validate this debt. 

Inquiries : XXXX Date : XX/XX/XXXX I did not authorize this inquiry and request verification of its authenticity. 

XXXX XXXX Date : XX/XX/XXXX This inquiry is unapproved. I request validation and removal if it was unauthorized. 

XXXX Date : XX/XX/XXXX I did not give permission for this inquiry. Please provide supporting documentation. 

Late Payments : XXXX XXXX Account Number : XXXX I dispute the reported late payments and request proof of any missed payments. 

XXXX XXXX XXXX XXXX Account Number : XXXX I ask for confirmation and evidence of the reported late payments, as I believe they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DE

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation