vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-10-20 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: VA

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
Consumer complaint received 2025-10-20 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 formally object to the inclusion of accounts in my credit history that I did not establish. Please examine in detail and remove the erroneous listings. Evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
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

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 2025-10-20 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: PA

Complaint narrative:
Recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will '' Investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATE XXXX XXXX XXXX {$1900.00} XXXX XXXX  XXXX {$830.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$1300.00}

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 2025-10-20 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX 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 2025-10-20 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:
I dispute the accuracy and completeness of the following tradelines on my TransUnion file and demand a lawful reinvestigation under FCRA 611 ( a ). The entries below display inaccuracies, contradictions, and/or unverifiable data in violation of FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( b ), Regulation V ( 12 C.F.R. Part 1022 ), and raise GLBA safeguards/permissible-purpose concerns ( 68016802 ; FCRA 604 ). Where any item can not be verified with original records, it must be deleted ( 611 ( a ) ( 5 ) ( A ) ). 
Accounts in Dispute ( TransUnion ) 1. Untitled / XXXX XXXXXXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX o Defects : Refinanced comment while coded CollectionOrChargeOff ; High Credit ( {$45.00} ) vs Balance ( {$60.00} ) inconsistency ; Calculated Term Source Type ; missing/unclear Date of First Delinquency ( DOFD ) ; ambiguous ownership/assignment. 
o Metro-2 : Current Status/Account Status ( XXXX XXXX ), DOFD ( XXXX XXXX ), Date Reported/Date of Last Payment ( XXXX XX/XX/XXXX ), Compliance Condition Code if applicable. 
o Demand : Provide contract, itemized balance, chain-of-title/assignment, DOFD ; otherwise delete. 
2. DEPTEDXXXX  multiple XXXX tradelines ( separate account numbers ending ) o Defects : All show LateOver120Days with uniform Was 90 days late 02x while other bureaus show different Date Last Active/Date of Last Payment ( e.g., XXXX vs XXXX ) and different Months Reviewed ( e.g., XXXX vs XXXX ). Past-due amounts and payment histories are not reconciled to ledgers. 
o Metro-2 : Payment Rating ( XXXX XXXX ), Current Status ( XXXX XXXX  ), Account Status ( XXXX XXXXXXXX ), DOFD ( XXXX XXXXXXXX ), Date of Account Information/Date Reported ( XXXX XXXXXX/XX/XXXX ), Payment History Profile. 
o Demand : Produce complete ledgers ( due dates, receipt, posting ), deferment/forbearance/IDR documentation, and DOFD ; codes alone are not proof ( XXXX v. TransUnion ) . If not verified to documentary standard, delete late notations or the tradeline.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am an active service member, and Chase Bank closed my checking account after I submitted a legitimate dispute regarding unauthorized or incorrect transactions. Instead of investigating my claim under the protections afforded by federal law, Chase retaliated by terminating my account without valid notice, explanation, or opportunity to appeal. 

This action violates consumer protection standards under Regulation E ( 12 C.F.R. 1005 ), which requires financial institutions to investigate and resolve consumer disputes fairly. Additionally, as a service member, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901 et seq., which prohibits discriminatory or retaliatory actions against military personnel in relation to financial services. 

The closure caused significant financial hardship, including delays in accessing direct deposits and necessary funds. It also undermined trust in my financial institutions ability to treat military members fairly and lawfully. 

Chases failure to follow the dispute investigation process and its retaliatory account closure may also constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act of 2010 ( XXXX XXXX. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SC

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 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 2025-10-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
Hello my name is XXXX XXXX and I did not authorize transactions made on my cash app account during the months of XX/XX/year> until XXXX XXXX. Its impossible for me to have made these transactions because I was incarcerated at the XXXX XXXXXXXX XXXX XXXX XXXX from XX/XX/year> until being released on XX/XX/year> from XXXXXXXX XXXX XXXX I have reached out several times to cash app support and asked for a XXXX to assist me further. I was told XXXX business days to check my email however nothing has been handled and my funds has yet to be returned. I have submitted the proof that I was incarcerated so I was unable to make purchases on my account. On XX/XX/year> my cash app account was in the amount of {$950.00} upon my release my account was XXXX cents. I was told the matter was being investigated but if it were truly being investigated why has it taken so long for cash app to refund my money as they could've always checked with the XXXX to see the date and time I was admitted and the date and time I was released. I have never given anyone access to my account, multiple accounts and emails were hacked during my incarceration. I need help as cash app is treating me very unfairly. I have submitted multiple documents as proof I was incarcerated during the times of the transactions yet they are many XXXX orders and XXXXXXXX XXXX  charges etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

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 2025-10-20 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: AL

Complaint narrative:
I am filing this complaint because Equifax Information Services LLC has failed to comply with federal law after being properly notified of identity theft involving my credit file. 

On XX/XX/year>, I submitted a complete identity theft dispute package to Equifax, which included : My FTC Identity Theft Report ( Report No. XXXX ), A signed and notarized personal affidavit, Proof of my government-issued ID and proof of residence, A formal notice demanding removal of fraudulent accounts. 

Despite receiving all legally sufficient documentation, Equifax has not blocked or deleted the fraudulent accounts as required by 15 U.S.C. 1681c-2, which mandates that credit reporting agencies block identity theftrelated information within four ( 4 ) business days. 

The fraudulent accounts in question are : XXXX XXXX Account No. XXXX {$9200.00} XXXX XXXX XXXX Account No. XXXX {$680.00} XXXX XXXX XXXX Account No. XXXX {$150.00} XXXX XXXX Account XXXX. XXXX {$720.00} XXXX Account No. XXXX {$1000.00} These accounts were opened without my knowledge, authorization, or consent. I am the victim of identity theft, and Equifax is fully aware of this fact. 

As of today, XX/XX/year>, I have sent Equifax a Final Demand Letter ( Round Two ) giving them five ( 5 ) calendar days from receipt to fully comply and permanently block/delete these fraudulent accounts. This letter clearly notifies them of their legal obligations and the consequences of continued non-compliance.

This Round Two letter is attached to this CFPB complaint so that there is a clear record of my escalation and formal demand for compliance. 
Equifaxs ongoing failure to remove this fraudulent information has caused serious harm to my credit score, financial reputation, and personal well-being. I am requesting that the CFPB require Equifax to : Im
mediately and permanently block and delete all fraudulent accounts and related inquiries, Issue written confirmation of the deletions and corrections to my credit file, and Cease reporting, sharing, or distributing this fraudulent information. 

Equifax has already received all required documentation and sufficient time to comply. Their continued inaction violates my rights under federal law and is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: MS SERVICES LLC
State: FL

Complaint narrative:
I am disputing an alleged debt originally reported by XXXX XXXX University. I sent certified debt validation letters to the collection agency and never received any verification or documentation in return. More than 30 days have passed since my original dispute. I also filed disputes with XXXX XXXX XXXX XXXX regarding this account, and none provided proper verification within the required 30-day period.

Because the debt remains unverified, it should have been deleted from my credit reports under FCRA 611 ( a ) ( 5 ) ( A ). Instead, the account remains, negatively affecting my credit. The original creditor, XXXX XXXX University, no longer owns the debt but continues to block access to my academic transcript, which is preventing me from transferring to XXXX XXXX University and completing FAFSA requirements. 

I am requesting that the credit bureaus delete this unverifiable account and that XXXX XXXX University cease withholding my transcript over a disputed and unverified debt. I have attached copies of my dispute letters, certified mail receipts, and documentation showing the lack of response from both the collector and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and discovered that my credit file was accessed and used without my authorization. I contacted the listed companies, and none could provide written or verbal proof of authorization, nor documentation showing a Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ). 

Under the FCRA, a consumer reporting agency may only furnish a report for specific purposessuch as a credit transaction initiated by the consumer, employment with written authorization, insurance underwriting, or a court order. None of these apply in this case, and no evidence has been provided that I initiated or consented to any such access. 

This constitutes an unauthorized use of my credit report and a violation of my privacy rights under federal law. They have failed to provide proof of permissible purpose, yet continue to maintain these records on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NJ

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 explanation
Consumer complaint received 2025-10-20 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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