vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
I DID NOT GIVE WRITTEN CONSENT TO REPORT THESE STUDENT LOANS TO MY CREDIT REPORT.I am writing to dispute the accuracy and legitimacy of a student loans account currently listed on my credit report. Upon review, I believe this account was established and/or reported without my full knowledge or authorization, and appears to have been the result of an unauthorized disclosure or use of my educational records, which constitutes a violation of : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 ________________________________________ Disputed Account Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I never knowingly or legally authorized this loan, nor did I provide informed consent for the disclosure or use of my personal or educational records in the creation or servicing of this account. Under FERPA, any educational record disclosure without proper written consent is prohibited. Similarly, under the Privacy Act of 1974, no agency or affiliated party is permitted to disclose or use my personal information without proper authorization

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 2025-08-07 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:
I DID NOT GIVE WRITTEN CONSENT TO REPORT THESE STUDENT LOANS TO MY CREDIT REPORT.I am writing to dispute the accuracy and legitimacy of a student loans account currently listed on my credit report. Upon review, I believe this account was established and/or reported without my full knowledge or authorization, and appears to have been the result of an unauthorized disclosure or use of my educational records, which constitutes a violation of : The Family Educational Rights and Privacy Act ( FERPA ) The Privacy Act of 1974 ________________________________________ Disputed Account Details ALL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I never knowingly or legally authorized this loan, nor did I provide informed consent for the disclosure or use of my personal or educational records in the creation or servicing of this account. Under FERPA, any educational record disclosure without proper written consent is prohibited. Similarly, under the Privacy Act of 1974, no agency or affiliated party is permitted to disclose or use my personal information without proper authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am submitting a follow-up complaint regarding the inaccurate and unauthorized items currently appearing on my credit report. To date, I have not received proper validation or verification of the alleged debt. Furthermore, I dispute the accuracy of the reported amount. I respectfully request that a full reinvestigation be conducted. If the account can not be fully substantiated with proper documentation and verified proof of ownership, I am requesting its immediate removal from my credit report. Please provide written confirmation of the results of your investigation. 
Thank you for your prompt attention to this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; 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 2025-08-07 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: PA

Complaint narrative:
I am requesting the permanent deletion and blocking of the fraudulent account listed below from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX Account Number : XXXX This account was not opened or authorized by me and is the result of identity theft. I have already submitted all required documents under 15 U.S.C. 1681c2, including : FTC Identity Theft Report Government-issued photo ID Social Security card Proof of current address Per FCRA requirements, I expect the following actions to be taken : Permanent deletion of the fraudulent account from all credit files.

Blocking of all identity theft-related data within 4 business days.

A corrected credit report showing the removal.

Written confirmation of the deletion and action taken.

If not resolved, I will proceed with complaints to the CFPB, FTCXXXX XXXX and Attorney General, and may pursue legal action under FCRA 616 for non-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 explanation
Consumer complaint received 2025-08-07 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am requesting that the credit bureaus permanently delete the inaccurate late payment notations associated with the following accounts : XXXX XXXX These late payments were reported without proper notice from the furnishers, which is a direct violation of the Fair Credit Reporting Act. I am asking the credit bureaus to : Conduct a full reinvestigation as required by FCRA 1681i.

Require the furnishers to provide proof that I was notified of the due date and given an opportunity to resolve the account before the late payment was reported. 

Permanently delete the late payment from my credit report if such documentation can not be produced. 

Provide written confirmation of the deletion and send me a corrected and updated copy of my credit file within 15 business days. 

I believe this is a fair resolution based on the legal obligations outlined under the FCRA and my right to an accurate and fairly reported credit file.

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 2025-08-07 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX XXXX  of dealing with these unresolved discrepancies has been XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-08-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed a XXXX XXXX account in the amount of {$670.00} that was inaccurately reported on my credit report. The account was originally removed, but it has since been reinserted without any proper verification. I received no documentation explaining the method of verification, no name or contact information of the data furnisher, and no results of any investigation. 

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit reporting agencies are required to provide the results of their reinvestigation and details about how the information was verified. They failed to provide this. I submitted a follow-up letter requesting the method of verification and compliance with FCRA guidelines XXXX but I have not received a proper response. 

This lack of transparency and failure to meet the legal requirements of the FCRA is unacceptable. I am asking that this account be removed from my credit report unless full, verifiable proof is provided, including the method of verification and name/contact of the furnishing party.

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 2025-08-07 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC Fraud Department Attention Supervisor XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries RE : Formal Demand to Cease and Desist Reporting of Fraudulent Activity Under FCRA and FDCPA To Whom It May Concern : I, XXXX XXXX, am writing to formally dispute the presence of fraudulent, inaccurate, and unauthorized account information and credit inquiries currently reported on my Equifax credit file. This correspondence serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable federal and state laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have submitted a formal Identity Theft Report to the Federal Trade Commission ( FTC ) as provided under 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the direct result of identity theft. 



FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. XXXX XXXX XXXX XXXX XXXX High credit amount {$32000.00} Date opened XX/XX/XXXX {$540.00} LEGAL BASIS FOR IMMEDIATE ACTION Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report data they know or reasonably should know to be inaccurate. Continued reporting of fraudulent or disputed accounts and inquiries constitutes willful noncompliance with the FCRA and is actionable.

You are formally instructed to : 1. Immediately cease and desist all reporting, collection, and communication regarding the accounts and inquiries listed above.

2. Delete all records related to the fraudulent items from your databases.

3. Prevent further sharing or sale of my personal data without express written consent.

4. Notify all relevant parties and bureaus of the removal.

5. Confirm compliance in writing within five ( 5 ) calendar days of receipt of this letter.

ENCLOSURES : FTC Identity Theft Supporting Evidence and Documentation NOTICE OF ENFORCEMENT Should you fail to respond appropriately, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. Additionally, I reserve the right to initiate legal action seeking actual, statutory, and punitive damages for any continued reporting of false or unauthorized data.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
On XX/XX/year>, I received a {$200.00} payment to my cash app account from my boss, XXXX XXXX, for work I did. Cash app emailed me that I had received {$200.00} in my account. When I logged in to cash app, it said my payment had been cancelled by cash app, for " my protection ''. My boss actually passed away that night which was devastating enough, but cash app is saying they canceled the payment because my boss wasn't on my contacts list in cash app. He was able to send it without being my contact, and millions of people send money through cash app to people that aren't contacts, every day. So they said I'd have to request the payment again, except my boss died and I'm not going to bother his grieving family to pay me. Cash app took the money after emailing me that the money was in my account, they need to put it back. I earned that money, I was paid that money, and cash app took it, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I MIGHT HAVE HAD A ACCOUNT WITH YOU GUYS A FEW YEARS BACK BUT WASN'T INTO THE ACCOUNT FOR AWHILE TO REMEMBER ANY OF MY ACCOUNT INFORMATION. I WAS SUPPOSED TO RECIEVE 3 STIMULUS PAYMENTS FROM THE IRS TOTALING {$3200.00} & I NEVER RECIEVED THEM. I FILED FORM 3911 WITH THE IRS. IVE BEEN IN TOUCH WITH CONGRESSMAN XXXX XXXX OFFICE TO RESOLVE THIS ISSUE. THERE OFFICE PROVIDED ME WITH THE ACCOUNT INFORMATION INCLUDING THE ACCOUNT NUMBER & THE ROUTING NUMBER AS WELL AS THE DEPOSIT DATES & AMOUNTS. THE ACCOUNT NUMBER IS XXXX & THE ROUTING NUMBER IS XXXX. THE DEPOSITS WERE XXXX {$1200.00}, XXXX {$600.00}, & XXXX {$1400.00}. WHEN I CALLED THE COMPANY THEY SAID IT WAS COMING UP A CHIME VISA ACCOUNT & THAT IT WAS CLOSED ON XX/XX/XXXX BUT THEY WOULDNT TELL ME WHAT YEAR & THEY DID VERIFY THAT THE FUNDS WERE IN THE ACCOUNT BUT THEY COULDNT GIVE ME ANY OTHER INFORMATION & THAT THEY COULDNT REOPEN THE ACCOUNT. MY PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation