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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company is reporting late payments and that I owe on an Account that I have paid in full and on time. Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : XXXX XXXX Accounts No charged off accounts listed for Equifax. 

Inquiries XXXX XXXX - Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: WA

Complaint narrative:
I received a check from a client that I deposited on the square app to my checking account. The client had insufficient funds on the date of deposit ( XX/XX/year> ), and the funds were withdrawn from my account. The check XXXX week later cleared the client 's account ( XX/XX/year> ) without further effort from me, but the funds did not get deposited to my account. The clients bank and the client have provided me proof that the check did in fact clear her account. They have provided pictures of the check stamped by square saying funds were deposited to my account, her bank statement showing the funds were withdrawn, and a letter from the bank manager saying the funds were sent to Square. I have called and talked to customer service agents several times. They all claim they will escalate my issue and someone will be in touch. One person contacted me to say the check was insufficient funds and that they never received the money from XXXX XXXX. I provided the documents from the bank and essentially was told they can't help me. I had XXXX phone calls with square, XXXX chats with agents, I posted on the customer forum. Each time I was told that no one could help me, or I was told the matter was escalated but never heard back. Finally, on the customer forum, an agent took the matter on and put me in touch with a software engineer to work on the missing funds. I even provided them with a contact at XXXX XXXX  to help track the money down. I have exchanged XXXX emails with her starting XX/XX/year>. Still to date no progress has been made other than to say they are working on it. There should be a digital record of the funds and where they went. I am helpless to square who continues to just tell me they haven't found a solution. Please help me.

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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion, XXXX XXXX XXXX  are reporting multiple accounts that are inaccurate, incomplete, and unverifiable. I have disputed these accounts under FCRA 609 ( a ), 611, and 623, and the credit bureaus have failed to provide proper verification.

The following accounts contain one or more of the following issues : Missing payment history Missing Date of First Delinquency ( DOFD ) Inaccurate high balance or high credit Contradictory balance information No documentation proving account ownership Failure to conduct a reasonable reinvestigation Failure to provide Method of Verification documentation Disputed Accounts : XXXX XXXX Credit Card Charge-Off {$2300.00} XXXXXXXX XXXX  Credit Card Charge-Off {$870.00} XXXX XXXX Auto Loan XXXX {$11000.00} XXXX XXXX XXXX Auto Loan Charge-Off {$29000.00} XXXX  Unsecured Loan Charge-Off {$5100.00} XXXX  Late Payment XXXX Late Payments I requested validation and original-source documentation, including : Original signed application Contract Complete payment history DOFD records Verification records used to verify my disputes The credit bureaus failed to produce these documents and continued reporting unverifiable information, violating : FCRA 611 Reasonable Reinvestigation Requirements FCRA 609 ( a ) ( 1 ) Right to Documentation FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information Requested Resolution : I request the immediate deletion of all accounts listed above because they are unverifiable, inaccurate, and not supported by documentation as required by the FCRA.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 : XXXXXXXX XXXX  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, EXPERIAN 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
1. WRONG PERSON DEBT - NOT MINE Account # XXXX reported by XXXX XXXX XXXX NOT MY ACCOUNT - belongs to someone else with similar name NO KNOWLEDGE of this debt NO CONTRACT with XXXX XXXX XXXX Violation : FCRA 1681c ( f ) - Mixed file reporting 2. UNLICENSED DEBT COLLECTOR XXXX XXXX XXXX ( NMLS # XXXX ) NO STATE LICENSE to collect debts in my state NMLS CONSUMER ACCESS verification confirms no license Violation : State collection laws + FDCPA 1692e ( 5 ) 3. UNVALIDATED DEBT REPORTING 1692g VALIDATION REQUEST sent via certified mail NO RESPONSE received within 30-day period Debt is legally uncollectible under FDCPA 1692g ( b ) Current Illegal Reporting : - Status Code : " 93 '' ( Collection Account ) - Condition Code : [ Missing or incorrect ] - Balance : {$6700.00} Required Correction : - Status Code : " DA '' ( Delete Account ) - Condition Code : " XH '' ( Not his/hers ) - Balance : {$0.00} - Special Comment : " Account deleted per consumer dispute '' Violation : FCRA 1681s-2 ( b ) - Furnishing inaccurate information

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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC CREDITORNAME is 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion has violated multiple sections of the Fair Credit Reporting Act ( FCRA ), including 605B and 611 ( a ) ( 5 ) ( B ).

I am a verified victim of identity theft ( FTC Identity Theft Report # XXXX ). I submitted full documentationincluding my drivers license, passport, proof of address, sworn declaration under penalty of perjury, and a clear copy of my Social Security cardto verify my identity and request a block under FCRA 605B.

Despite receiving all legally required documentation, TransUnion continues to delay compliance by claiming my identity has not been verified. Additionally, TransUnion previously deleted the same fraudulent accounts after earlier disputes but has reinserted them without providing me written notice, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 

These fraudulent accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) were never authorized by me and continue to harm my credit and livelihood. 

I am requesting immediate CFPB oversight to ensure TransUnion : Permanently deletes and blocks all identity-theft-related information under 605B.

Ceases any further reinsertions without proper written notice.

Confirms deletion and compliance in writing. 

TransUnions continued reporting of known fraudulent data is causing serious damage to my reputation, employment, and financial opportunities.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the following accounts and late payments reported on my credit file with the major credit bureaus : TransUnion. The information provided is inaccurate and incomplete, and I respectfully request that the Consumer Financial Protection Bureau assist in resolving these issues. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account was marked as charged off without proper documentation of prior late payments. 

XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$0.00} Dispute Reason : There was an error in how this account was reported, and the balance should be XXXX. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance : {$8200.00} Dispute Reason : The balance reported does not reflect the most recent payment or any agreements made with the creditor. 

Late Payments : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Dispute Reason : The payment history for this account is inaccurate, and the reported late payments should be corrected. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Reason : The reported late payments do not match my records, and I request a thorough investigation.

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