vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$120.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$120.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX/XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX  XXXX Date : 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing an inaccurate tradeline reported by XXXX XXXX XXXX. On XX/XX/XXXX, I entered into an auto loan with XXXX for {$15000.00}. I made regular monthly payments, with the final payment made in XX/XX/XXXX. 

After that, the vehicle was repossessed, and XXXX later reported the account as a charge-off with a remaining balance of {$7600.00}. This balance continues to be reported on my Experian credit file, which is inaccurate and misleading. 

Under IRS 166 and GAAP, a charge-off is a declaration that the debt is uncollectible, typically accompanied by recovery through : Sale of the repossessed vehicle ( collateral ), An insurance payout, A tax deduction, or Assignment or securitization of the contract. 

Additionally, UCC 9-615 ( a ) requires the creditor to apply any proceeds from the disposition of repossessed collateral to the outstanding balance. XXXX has not provided any itemized accounting or verification of how the balance of {$7600.00} was calculated after repossession. 

XXXX also failed to issue a 1099-C, which is required under IRS 6050P if the debt was discharged or written off. Reporting a balance after repossession and charge-off, with no proof of remaining liability, is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate and complete information FCRA 1681i ( a ) Duty to correct or delete unverifiable or inaccurate data This account should be deleted from my credit file unless XXXX can fully verify and account for the reported balance.

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 2025-08-03 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:
I am disputing an inaccurate tradeline reported by XXXX XXXX XXXX. On XX/XX/XXXX, I entered into an auto loan with XXXX for {$15000.00}. I made regular monthly payments, with the final payment made in XX/XX/XXXX. 

After that, the vehicle was repossessed, and XXXX later reported the account as a charge-off with a remaining balance of {$7600.00}. This balance continues to be reported on my Experian credit file, which is inaccurate and misleading. 

Under IRS 166 and GAAP, a charge-off is a declaration that the debt is uncollectible, typically accompanied by recovery through : Sale of the repossessed vehicle ( collateral ), An insurance payout, A tax deduction, or Assignment or securitization of the contract. 

Additionally, UCC 9-615 ( a ) requires the creditor to apply any proceeds from the disposition of repossessed collateral to the outstanding balance. XXXX has not provided any itemized accounting or verification of how the balance of {$7600.00} was calculated after repossession. 

XXXX also failed to issue a 1099-C, which is required under IRS 6050P if the debt was discharged or written off. Reporting a balance after repossession and charge-off, with no proof of remaining liability, is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate and complete information FCRA 1681i ( a ) Duty to correct or delete unverifiable or inaccurate data This account should be deleted from my credit file unless XXXX can fully verify and account for the reported balance.

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 2025-08-03 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: TX

Complaint narrative:
I am disputing an inaccurate tradeline reported by XXXX XXXX XXXX. On XX/XX/XXXX, I entered into an auto loan with XXXX for {$15000.00}. I made regular monthly payments, with the final payment made in XX/XX/XXXX. 

After that, the vehicle was repossessed, and XXXX later reported the account as a charge-off with a remaining balance of {$7600.00}. This balance continues to be reported on my Experian credit file, which is inaccurate and misleading. 

Under IRS 166 and GAAP, a charge-off is a declaration that the debt is uncollectible, typically accompanied by recovery through : Sale of the repossessed vehicle ( collateral ), An insurance payout, A tax deduction, or Assignment or securitization of the contract.

Additionally, UCC 9-615 ( a ) requires the creditor to apply any proceeds from the disposition of repossessed collateral to the outstanding balance. XXXX has not provided any itemized accounting or verification of how the balance of {$7600.00} was calculated after repossession. 

XXXX also failed to issue a 1099-C, which is required under IRS 6050P if the debt was discharged or written off. Reporting a balance after repossession and charge-off, with no proof of remaining liability, is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate and complete information FCRA 1681i ( a ) Duty to correct or delete unverifiable or inaccurate data This account should be deleted from my credit file unless XXXX can fully verify and account for the reported balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against * * Experian * * for their continued inaccurate and unlawful reporting of two XXXX XXXX XXXX XXXX accounts ( ending in \ * XXXX and XXXX * XXXX ) on my credit report. 

These accounts were originally charged off in * * XX/XX/year> * *, yet Experian continues to report multiple charge-off statuses in the months following ( e.g., XXXX, XXXX, XXXX, and XX/XX/year> ). This constitutes * * illegal re-aging * * and is a direct violation of the * * Fair Credit Reporting Act ( FCRA ) * *, specifically * * Section 623 ( a ) ( 5 ) * *, which requires accurate reporting of the date of first delinquency.

Experian has already claimed they * * investigated, verified, and updated * * these accounts, yet the inaccuracies remain. This shows that Experian either failed to conduct a proper investigation or willfully neglected their duty under * * FCRA Section 611 ( a ) * * to correct or remove unverifiable or inaccurate information.

Due to this failed reinvestigation and the continued harm being caused by these inaccurate charge-off entries, I am requesting that the * * CFPB require Experian to fully remove both accounts from my credit file * *, rather than simply updating them again. Updating is no longer sufficient, as Experian had a legal obligation to correct these errors during the initial dispute process and failed to do so.

Supporting documentation, including credit report screenshots and full summaries, is available and can be provided upon request.

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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 2025-08-03 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: NJ

Complaint narrative:
Recently viewed my credit report, and noticed there is a negative mark on my account. Which is causing XXXX  XXXX and found it be unverifiable.. In accordance with fair credit reporting act everything has to be 100 % accurate on my credit report and under 15. U.S code 1681e ( b ) and U.S code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-03 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: FL

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXXXXXX XXXX  Date of XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXXXXXX XXXX  Date of XXXX XX/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 2025-08-03 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
I got paid by my job and {$50.00} out of my money was taken and you cant tell in the account nowhere on my transactions or anything what it was applied to customer service on the phone said that it was supposed to be refunded to me that day because they dont know where it went and that someone would be contacting me through email and this has been weeks now I cant get nobody to give me an answer How a blocked company thats fraudulent then I already filed a dispute for last year charge my account again and took my money and they will not do nothing about it and it doesnt show anywhere on my transactions that I was charged with this company again on XX/XX/XXXX as cash app is saying Ive emailed reported it did everything and no one through cashapp will fix this issue and I want my money back. This is ridiculous. My money gets taken, and they will not give it back to me or look into it enough to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: MO

Complaint narrative:
XXXX is the exchange in question, I have done transactions on the exchange prior to this and things went fine so I decided to do a larger transaction of {$10000.00}. Then received the money from my account, I waited the required XXXX days and I went to receive the XXXX and transfer it to my personal crypto cold wallet off the exchange it wouldn't allow me to do so. They don't have a working phone number for customers so I had to use their XXXX to try to resolve the issue but was unsuccessful and was told I would receive a text message or email from a human representative. I received an email from a representative named ( XXXX ) saying my request has been received and they will be doing follow up to resolve the issue, and stated if I have any other questions about this case let them know. I proceeded to ask them why didn't they allow me to receive my purchase, and why did they lock me out of my account? So far I haven't received a response nor has my purchase been release. I was given best regards and a ticket # 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 2025-08-03 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: FL

Complaint narrative:
I am filing a formal complaint against EQUIFAX regarding inaccurate and unverifiable late payment notations reported on my XXXX XXXX XXXX account, number XXXX. 

This account is currently open and paid as agreed. However, the bureau continues to report XXXX, XXXX, XXXX, and XXXX late payments between XX/XX/XXXX and XX/XX/XXXX, without providing any documentation to verify their accuracy. 

I have previously disputed this information, and the credit bureau has failed to provide signed billing statements, payment records, or any documentation from XXXX XXXX XXXX to prove the delinquency. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) Duty to maintain maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) Obligation to conduct a proper reinvestigation.

FCRA 1681i ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or inaccurate items.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate data.

This inaccurate reporting is damaging my credit score and affecting my financial well-being. I am requesting the deletion of these late payment notations and an updated credit report reflecting accurate payment histor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I called the company directly and was told initially they didn't reduce interest rates for XXXX. Then upon researching and calling again, I was able to get them to connect me to their military department. That person told me to send an email with my request and someone will reach out to me. I sent the below email to XXXX XXXX XXXX  with no response. I've sent a total of XXXX emails and replied to emails with the same inquiry when the company reached out to me about refinancing for the XXXX XXXXXXXX benefit. When I had done that, the agent told me he doesn't deal with that and redirected the conversation back to XXXX XXXXXXXX. I've seen posts of other people being able to apply the XXXX benefit to their loan with this company so I'm trying to speak to someone on how to accurately complete the process so we can have the benefit. 

Email sent to company : Hello, I would like to apply to the XXXX XXXX XXXX interest rate reduction. My loan number is ____________. My husband is XXXX  military and our XXXX is XXXX XXXX XXXX XXXX Ive included a copy of his XXXX statement, current orders, and his admin data page showing his XXXX XXXX Start Date ( XXXX  ). Thank you for your time and I hope to speak with someone soon.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint as a consumer asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], due to my status as a verified victim of identity theft stemming from a data breach. My personally identifiable informationincluding my full legal name, Social Security number, and other sensitive credentialswas accessed or disseminated without my authorization and has been misused in connection with one or more credit transactions appearing on my consumer report. 

I did not authorize the creation of any such accounts, nor did I give consent for any person, business, or data furnisher to utilize or monetize my information in connection with a credit inquiry, lease, loan, or service agreement. These actions were taken without my knowledge and constitute clear identity misuse as defined by federal statute.

Pursuant to my rights under FCRA 605B, I have submitted an Identity Theft Report to the Federal Trade Commission and provided documentary evidence to the consumer reporting agency ( ies ) and furnishers, including a government-issued ID and proof of residence. Despite this, the inaccurate, fraudulent, and unauthorized data continues to be reported, violating the mandated obligation to block and permanently remove such information within four business days upon proper notice.

I am therefore demanding : 1. The immediate and complete blocking of all information resulting from this identity theft as outlined in 15 U.S.C. 1681c-2 ( a ). 


XXXX. The permanent deletion of any tradelines, inquiries, or data associated with the fraudulent use of my information. 


XXXX. Confirmation that no such blocked information will be redisclosed, sold, or reinserted absent full compliance with FCRA 605B ( c ) and ( d ).

Continued reporting of this informationdespite my valid Identity Theft Reportconstitutes willful noncompliance and is actionable under 15 U.S.C. 1681n and 1681o. I respectfully request the Consumer Financial Protection Bureau investigate the involved partys failure to fulfill their statutory obligations and ensure that this matter is resolved in full accordance with the law.

Company response to consumer: Closed with explanation