vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am disputing the following accounts due to inaccurate information or outdated entries. Please investigate these items and correct or remove them if they can not be verified. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-26 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: PA

Complaint narrative:
AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF INACCURATE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent XXXX  XXXX Account & Fraudulent Hard Inquiries Mandatory Deletion Under Federal Law To Whom It May Concern, I am submitting this formal dispute regarding a fraudulent XXXX  XXXX account and several unauthorized hard inquiries appearing on my TransUnion credit report. These items resulted from identity theft, as confirmed in my attached FTC Identity Theft Report. 
I DID NOT open, authorize, or apply for ANY of the items listed below. These entries are harming my creditworthiness and must be permanently deleted under federal law. 
XXXX. FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Status : Closed by credit grantor after fraud report This account was opened without my consent. I never authorized it. Late payments tied to this account are false. This account must be deleted under : - 15 USC 1681a ( 2 ) ( xi ) - 15 USC 1666b - 15 USC 1681c-2 ( Identity theft block ) - FCRA 611 / 15 USC 1681i 2. FRAUDULENT HARD INQUIRIES ( REMOVE IMMEDIATELY ) These companies accessed my credit without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for any of these credit products. These are identity-theft related. Under 15 USC 1681b, no company may access my credit without permissible purpose. 
XXXX. FEDERAL LAW VIOLATIONS The items above violate : 15 USC 1681b No permissible purpose for inquiries 15 USC 1681c-2 Requires blocking of fraudulent information 15 USC 1681a ( 2 ) ( xi ) False late payment reporting is illegal FCRA 611 Inaccurate or unverifiable information must be deleted in XXXX  days REQUESTED ACTION : Permanently delete the fraudulent XXXX  XXXX account ( XXXX  XXXX ) Remove XXXX XXXX XXXX XXXX, and XXXX inquiries Update my TransUnion credit file Provide a corrected copy to my mailing address ATTACHED : FTC Identity Theft Report ( Official confirmation of fraud ) I certify under penalty of perjury that all information in this dispute is true. 
Sincerely, 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 2025-11-26 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: DE

Complaint narrative:
I am writing to formally dispute the following accounts that have been inaccurately reported on my credit report. These disputes involve charged-off accounts and inquiries that I believe are not correctly reflected or are outdated. Please find the details of the accounts in question, separated by bureau : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance 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 non-monetary relief
Consumer complaint received 2025-11-26 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:
I dispute the following accounts, which contain inaccurate or outdated information. Please investigate and correct or remove these items from my credit report. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
This letter serves as my official notice challenging the listed accounts. I neither recognize nor approved their creation. I request their deletion and a full investigation. Relevant documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
Please treat this letter as my official dispute concerning the referenced accounts. I do not recognize them and did not authorize their creation. I request deletion and a full evaluation. Evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
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 : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX 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 may 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 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX I traveled to XXXX, XXXX because an eye XXXX. I paid in advanced ( XX/XX/XXXX ) {$1300.00} for an XXXX apartment in XXXX. I arrived on XX/XX/XXXX. in XXXX and went to the XXXX apartment. The person at the buildings reception told us that they didnt have any information from the owner about our reservation. She refused to call the owner because she didnt have any email from him and she did not have the keys. We tried to contact XXXX by phone with no success. Apparently, it was a fraud. So, I called Chase bank to the number in my Chase XXXX card and the agent who spoke with me understood the situation there and told me she would refund that money immediately. And she did it. I felt so release and found another place to rent in the area. I paid for that one with the same credit card, the same day. However, the bank decided to rebill on XXXX. I made the dispute. Now they said the case is closed. You can see all the transactions in my bank statements. Evidently, Chase Bank made a big error. I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX 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 2025-11-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I have an account with Cash App ... My phone and cash app debit card was stolen end of XX/XX/2025. I reported both phone and card stolen to cash app. I was informed that I could not receive a new replacement debt card but instead open a new cash app account so they would be able to transfer funds {$1200.00}. I created a new account and was told because of security purposes I can not transfer my funds to new account. 

During our correspondence my account was fraudulently used first week of XX/XX/2025 and left a balance of {$1200.00}. I reported the fraud and Cash App agreed and they refunded the money back to the account with the original balance of {$1200.00} when I made initial report of stolen card and phone. Now I have been told after numerous attempts that I can not have my funds transferred to the new account they told me create to transfer my {$1200.00} from old stolen account into to newly created account and the old account would be deactivated. They refuse to transfer my funds saying because of security issues. I have answered all questions correctly because they were able to grant me the refund on the old account. Now they not transferring the old account to new a account and keep escalating the issue via email. and as of today XX/XX/2025 they will not transfer the old account into new account and just currently holding my funds while the old account is active still having a balance of {$1200.00}. When I asked what security information I need to present they won't tell me just we can't transfer. 

This has caused my eviction and numerous finical obligations for the month of XXXX and XX/XX/2025. I desperately need help retrieving my funds and need help Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint because I am being harmed by a bankruptcy that is being reported under my name even though it does not exist in any official public record. I have never filed for bankruptcy and I have never authorized anyone to file one on my behalf. I recently received a reinvestigation response from LexisNexis Risk Solutions and their letter clearly states that no bankruptcy record was found in my file. According to the LexisNexis reinvestigation dated XX/XX/XXXX they did not locate any bankruptcy record at all. This means the bankruptcy being reported by XXXX and the credit bureaus is completely false and can not be verified. 

Despite that clear confirmation the bankruptcy is still being reported on my credit report. It is appearing on XXXX  with a filing date of XX/XX/XXXX and a closing date of XX/XX/XXXX while XXXX XXXX XXXX show blank fields for the same record. This inconsistent and incomplete reporting violates Metro 2 public record accuracy requirements. A real bankruptcy must contain matching case details including the chapter type filing date discharge date and court information. None of that exists here. 

This has caused me significant emotional and financial harm. I am being denied credit and facing higher interest rates all because of a public record that does not belong to me and can not be verified by LexisNexis or any court. I have no bankruptcy history and LexisNexis confirmed that the supposed bankruptcy does not exist in their system which is the primary public record vendor used by all three credit bureaus. 

Under FCRA 1681 e b the bureaus and XXXX must ensure maximum possible accuracy before reporting any public record. Under FCRA 1681 i any item that can not be verified must be deleted. In my case the bankruptcy can not be verified because it does not exist. I have not been provided with a case number or any documentation from the US Bankruptcy Court. LexisNexis also confirmed there is no record found in their system. 

I have also experienced unreasonable delays and what I believe are stall tactics. Instead of conducting a lawful reinvestigation some of the agencies questioned the format of my dispute or assumed third party involvement which has nothing to do with their legal responsibility to verify information. These stall tactics violate FCRA 1681 i because they delay or avoid a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 submitting this dispute because my Equifax credit report contains inaccurate accounts, inquiries, and late payment information. I am requesting that these items be investigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Inquiries in Dispute : There are no inquiries listed for Equifax in this dispute. 

Late Payments in Dispute : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 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 may 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I financed a XXXX XXXX XXXX from XXXXD Byrider/CNAC in XXXX, FL on XX/XX/XXXX, with a {$3000.00} down payment and biweekly payments of {$250.00}, and remained current on all payments. The vehicle experienced repeated mechanical failures from the start. On XX/XX/XXXX, the first service visit addressed AC failure, fluid leakage, and a check-engine light, with the dealer claiming repairs were completed. On XX/XX/XXXX, the second service visit occurred after the vehicle overheated again and the check-engine light came on ; the car broke down over 20 miles from home and had to be towed to the dealer. The dealer returned it claiming the problem was fixed. On XX/XX/XXXX, the vehicle overheated a third time but with no warning lights, indicating the previous repairs were incomplete or negligent. The dealer refused to honor the warranty, blamed me for driving it hot, and demanded about {$2000.00} for an engine replacement. After I made my regular biweekly payment, the dealer kept the vehicle for two weeks without repairing it and stated they would repossess or salvage the car if I did not pay for the engine myself, despite having possession of the vehicle and my account being current. I believe JD Byrider/CNAC engaged in predatory lending, selling an unsafe and defective vehicle, repeatedly failing to repair mechanical defects, refusing warranty coverage, and using coercive collection tactics against a consumer who was current on payments.

Company response to consumer: Closed with explanation