vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
On or about XX/XX/XXXX, TransUnion began reporting a late payment and charge-off from XXXX XXXX in the amount of {$230.00}. This reporting is false, inaccurate, and unlawful. I have never missed any payments to XXXX XXXX. In XX/XX/XXXX, I switched to a new electric provider, closed my XXXX account in good standing, and had no outstanding balance. 

This derogatory account was also furnished to at least one third-party debt collector without proper notice or validation, in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known or believed to be inaccurate, and 623 ( a ) ( 3 ), which requires prompt correction or deletion of any information found to be incomplete or inaccurate. 

I have already contacted both TransUnion and XXXX XXXX multiple times to dispute this account, yet it remains on my file. This constitutes continued reporting of inaccurate information in violation of FCRA 611 and failure to conduct a reasonable reinvestigation as required by law. 

I demand immediate deletion of this false XXXX account and all related negative history from my TransUnion report, as well as notification to all parties to whom this information was furnished within the last 24 months. Continued reporting will result in escalation to the CFPB, state regulators, and potential legal 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 2025-08-12 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: MO

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 2025-08-12 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-12 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 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: TX

Complaint narrative:
I previously disputed a collection account from XXXX XXXX XXXX XXXX with Experian, and it was deleted from my credit report. 

On my XX/XX/year>2025 Experian report, the same account was reinserted without my knowledge. Under FCRA XXXX ( a ) ( XXXX ) ( B ), Experian is required to notify me in writing within XXXX business days of reinsertion and provide : The name, address, and phone number of the furnisher. 
The method of verification used. 
I never received this required notice. This is a direct violation of the FCRA. 
Additionally, I had formally requested the Method of Verification under FCRA 611 ( a ) ( 7 ) for all negative accounts on my report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Experian failed to provide the detailed verification information required by law, instead only listing the accounts as verified without proof. 
This reinsertion and failure to comply with MOV requirements have caused harm to my credit score and my ability to obtain financing. I am requesting that the CFPB require Experian to : Delete the reinserted XXXX XXXX XXXX account immediately. 
Provide full MOV documentation for all disputed negative accounts. 
Correct their reinsertion process to comply 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
Subject : Inaccurate XXXX Delinquency Reporting XXXX Federal Student Loan My XXXX federal student loan account was reported as current every month on my credit reports, and then suddenly a XXXX late payment appeared for [ XX/XX/year> ] without any prior XXXX or XXXX late entries. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) accuracy standards. A XXXX delinquency can not occur without first reporting a XXXX and XXXX delinquency in the preceding months. The fact that my account showed as current before the XXXX late means this is a clear reporting error. 

The late mark occurred during the national student loan payment restart after the federal forbearance was ended early. I did not receive timely or adequate notice from XXXX that payments were due, and my account history shows no prior delinquency. 

I request the CFPB investigate and direct XXXX to remove the inaccurate XXXX delinquency and restore my account to current for that period. 

My evidence is my own credit report history showing the account as current immediately before the XXXX late mark. 

Credit Bureau Dispute Statement Dispute Reason : Reporting Inaccuracy XXXX Late Without Prior Delinquencies My XXXX federal student loan was reported as current in the months leading up to [ XX/XX/year> ], then suddenly a XXXX delinquency appeared. 

This is inaccurate because there were no XXXX or XXXX lates reported beforehand, which is required for a XXXX late status. This is a data reporting error and violates the FCRAs accuracy requirements. 

Please verify this late with the furnisher. If XXXX can not show proof of correct delinquency progression, it must be deleted from my credit report and updated to current for that period. 

This wording does XXXX things for you : XXXX. Shows the bureaus and CFPB that the data literally doesnt make sense in the credit reporting format. 
XXXX. Removes the burden from you having to prove the forbearance confusion the reporting inconsistency alone is grounds for deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
Subject : Inaccurate 90-Day Delinquency Reporting XXXX Federal Student Loan My XXXX federal student loan account was reported as current every month on my credit reports, and then suddenly a 90-day late payment appeared for [ XX/XX/year> ] without any prior 30-day or 60-day late entries.

This is a violation of the Fair Credit Reporting Act ( FCRA ) accuracy standards. A 90-day delinquency can not occur without first reporting a 30-day and 60-day delinquency in the preceding months. The fact that my account showed as current before the 90-day late means this is a clear reporting error.

The late mark occurred during the national student loan payment restart after the federal forbearance was ended early. I did not receive timely or adequate notice from XXXX that payments were due, and my account history shows no prior delinquency. 

I request the CFPB investigate and direct XXXX to remove the inaccurate 90-day delinquency and restore my account to current for that period.

My evidence is my own credit report history showing the account as current immediately before the 90-day late mark. 

Credit Bureau Dispute Statement Dispute Reason : Reporting Inaccuracy 90-Day Late Without Prior Delinquencies My XXXX federal student loan was reported as current in the months leading up to [ XX/XX/year> ], then suddenly a 90-day delinquency appeared.

This is inaccurate because there were no 30-day or 60-day lates reported beforehand, which is required for a 90-day late status. This is a data reporting error and violates the FCRAs accuracy requirements. 

Please verify this late with the furnisher. If XXXX can not show proof of correct delinquency progression, it must be deleted from my credit report and updated to current for that period. 

This wording does two things for you : 1. Shows the bureaus and CFPB that the data literally doesnt make sense in the credit reporting format. 
XXXX. Removes the burden from you having to prove the forbearance confusion the reporting inconsistency alone is grounds for deletion.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Debt Validation Request Account Numbers XXXX, XXXX, XXXX I dispute the alleged debt referenced above and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide : Name and address of the original creditor. 
Full account number. 
Detailed itemization of amount owed ( principal, interest, fees, charges ). 
Copy of the signed agreement or contract creating the obligation. 
Documentation proving legal right to collect ( chain of assignment/ownership ). 
Date of last payment and application details. 
Proof the debt is within the statute of limitations for my state. 
Until validation is provided : Cease all collection activities, including calls, letters, or credit reporting. 
Update any existing credit reporting to reflect the account as disputed per the Fair Credit Reporting Act ( FCRA ). 
If you can not validate, confirm in writing that the debt is removed from your records and all credit bureaus. 
This request is part of my formal complaint to the Consumer Financial Protection Bureau. 

Complainant Information : Name 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 explanation
Consumer complaint received 2025-08-12 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:
I am submitting this complaint to dispute inaccurate late payment entries reported by XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXXXX on my TransUnion credit report. These entries are incorrect and stem from internal reporting errors by the creditors, not from any failure on my part to make timely payments. My XXXX account, ending in XXXX, is currently open with a balance of {$30000.00} as of XX/XX/2025, and has consistently been paid on time. Similarly, my XXXX  XXXX XXXXXXXX XXXX XXXX XXXX account, which is also open and shows a {$0.00} balance, has never been delinquent. Despite this, both creditors have reported late payments that are entirely unfounded. I formally disputed these inaccuracies with TransUnion and requested, under the Fair Credit Reporting Act ( FCRA ), that all erroneous late payment entries be deleted, that TransUnion provide documentation of the verification process used to confirm the alleged delinquencies, and that I be given copies of any records submitted by XXXX and XXXX  XXXX XXXX to support their claims. To date, TransUnion has failed to provide adequate documentation or correct the inaccuracies, which continue to harm my credit profile and financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion, XXXX, and XXXX  XXXX XXXX comply with their obligations under the FCRA. I am seeking the immediate removal of all inaccurate late payment entries, written confirmation of the corrections, and assurance that future reporting will be accurate and compliant. If this issue is not resolved promptly, I am prepared to pursue further legal remedies.

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 2025-08-12 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: WA

Complaint narrative:
Cashapp sent me an email that a refund was being issued and my refund should appear in my balance, to this day they have not fulfilled in their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Applied Business Services, Inc.
State: MI

Complaint narrative:
Keep trying to collect a debt from a business that no longer exists, took me to court, amount is never accurate.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-12 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
The company is Called Acima I had taken a loan out for a little over XXXX a believe or tires and I pay some debt off not all of it. Years have now passed and now Acima apparently has sold my debt to a collection agency and they are called XXXX and the debtors name in my bank account is called XXXX. I asked for receipts and they said they cant provide me anything until balance is paid off in full. They just tell me the companies name and thats it. They threatneated to sue me and take me to jail. They said If I dont pay they report me to the county ( which where I live ) and theyll sue me instead of the amount owed theyll sue me for triple that cost equaling XXXX. They called my parent and ex spouse explaining the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing XXXX to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

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 2025-08-12 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: OH

Complaint narrative:
I have repeatedly disputed a repossession account from XXXX XXXX with TransUnion. Despite multiple disputes, TransUnion has failed to conduct a proper and reasonable investigation under 15 U.S.C. 1681i. 

I specifically requested the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), but TransUnion has not provided any documentation showing how the account was verified. The account continues to report with inaccurate and incomplete information despite the fact that botXXXX XXXX XXXX XXXX have deleted it from my credit file. 

By continuing to report this inaccurate information without proper verification, TransUnion is violating 15 U.S.C. 1681e ( b ) and 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$15000.00}

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