vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I am filing this complaint against * * TransUnion LLC * * regarding multiple inaccuracies, incomplete, and unverifiable information reporting on my credit report in violation of the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * *.

Despite formally disputing these inaccuracies in writing via certified mail, TransUnion has failed to conduct a thorough, reasonable investigation as required by law, and continues to report the following : 1. * * Name Discrepancies : * * TransUnion is reporting multiple inconsistent name variations on my file, including " XXXX XXXX '' and " XXXX XXXX XXXX, '' which is causing confusion and potential mixed files. I have provided supporting identification to correct this. 

2. * * XXXX XXXX ( Account Ending XXXX ) : * * This account shows derogatory historical remarks post closure without proper validation. I have requested proof of the alleged delinquencies, including original signed agreements and payment records, which has not been provided. 

3. * * XXXX XXXX XXXX ( Account Ending XXXX ) : * * Late payments are reported for * * XX/XX/XXXX and XX/XX/XXXX * *, which I dispute as inaccurate. I requested original billing records to verify the alleged late payments, and to date, no such verification has been provided. 

4. * * Hard Inquiries : * * Multiple inquiries from * * XXXX XXXX XXXX, and XXXX XXXX XXXX  * * were conducted without my authorization or permissible purpose. TransUnion has not produced signed consent forms to justify these inquiries. 

I am seeking immediate intervention by the * * CFPB * * to compel TransUnion LLC to : * Delete all inaccurate and unverifiable reporting * Remove all unauthorized hard inquiries * Correct all name discrepancies * Provide evidence of method of verification used in all investigations TransUnions failure to comply with my lawful dispute, as well as continued reporting of unverifiable information, is a violation of the * * FCRA 1681i ( a ) * * and * * 1681e ( b ) * *.

* * Supporting Documentation : * * * Copy of dispute letter sent to TransUnion * Copy of certified mail receipt * Copy of government-issued ID and utility bill

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 2025-06-09 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2025-06-09 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00}

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 explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to dispute certain XXXX entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$66.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
XXXX reported my student loan ( account ending in XXXX ) as 90 days late in XX/XX/XXXX, despite the loan being in an approved deferment from XXXX through XXXX. I discovered this inaccurate reporting in XX/XX/XXXX, which drastically lowered my credit score and triggered credit limit reductions on multiple credit cards. 

This misreporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ), and federal servicing guidelines under the XXXX XXXX XXXX. I contacted XXXX, and a representative offered to place the loan into retroactive forbearance, but this is not a correctionthis is an attempt to cover an error.

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 2025-06-09 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:
I have always made my payments on time, therefore the late payment showing up on my account profoundly disturbs me. I respectfully ask that this inaccuracy be removed right away in order to properly reflect my payment history, as it is causing needless stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit reports and found the following hard inquires where reporting inaccurate. 
XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX, DATES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DATES : XXXX XXXX, Dates : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, DATES : XX/XX/XXXX Credit bureaus have the responsibility to report 100 % accurate on consumers credit reports.

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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit reports and found the following hard inquires where reporting inaccurate. 
XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX, DATES : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX, DATES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DATES : XXXX XXXX, Dates : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, DATES : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, DATES : XX/XX/XXXX Credit bureaus have the responsibility to report 100 % accurate on consumers credit reports.

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 2025-06-09 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: NV

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
Dear CFPB Representative, I am writing to formally dispute and file a complaint regarding an account reported by XXXX XXXX on my TransUnion credit report. The information being reported is inaccurate, incomplete, and/or unverifiable, and I am requesting immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Details of the Account in Dispute : Creditor Name : XXXX XXXX Credit Bureau : TransUnion Account XXXX ( if known ) : [ Insert last XXXX digits or masked version, e.g., XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : [ Insert if known ] Date Opened : [ Insert if known ] Status : [ Derogatory/Inaccurate/Charged-Off/etc. ] Reason for Dispute : I dispute this account for the following reasons : I do not recognize this debt and have never entered into a financial agreement with XXXX XXXX. 

No written verification or contract has been provided. 

The reported information may be the result of identity theft or misreporting. 

The account contains inaccurate details such as incorrect balance, status, or dates. 

Under the FCRA, I have the right to dispute any information I believe to be inaccurate or incomplete. I am requesting : An immediate reinvestigation of this account. 

Deletion or correction of this account if the information can not be fully verified. 

A description of the procedure used to determine the accuracy of the account. 

A written response with the results of the reinvestigation. 

I have also disputed this account directly with TransUnion. 

Please investigate this matter promptly and ensure my consumer rights are protected. You XXXX contact me at the phone number or email listed above for any additional information. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-09 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: NV

Complaint narrative:
I saw about XXXX hard inquiries on my credit report from auto dealership. Those are not mine. I did not apply for it. Please remove off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: DE

Complaint narrative:
This has to do with cash app. On XX/XX/year>... Mistakenly paid off an afterpay loan for beauty view in the total amount of appx XXXX. Attempted to have the charges reversed. However keep being in from that the department can only contact me by email. Reached out numerous time to the regular customer support and even spoken to XXXX different manager. Since I have not received a single response from this so called department and no one is able to provide me with their direct email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax Data Breach I was affected. I filed a claim. Finally I received in the form of an email a " prepaid card ''. to award me for the " Equifax data breach ''. What " XXXX XXXX '' didn't tell me was that I would be charged a " fee '' for taking the " prepaid '' card from them in accordance with the " Equifax Breach Settlement '' which I was awarded. So I proceeded through the " email '' I received from " XXXX XXXX '' and was charged a " fee '' which took XXXX of the money settlement. What a scam! I'd like to tell " XXXX XXXX '' I don't want their " pittance '' or their " prepaid XXXX '' which what is left isn't worth taking the chance that I'm setting myself up for another " data breach '' or worse yet as I found out ID theft because they took my personal info in order to get mailed the " prepaid XXXX ''. Also they're fees are ongoing so if no use after a certain amount of time I would be charged " fees '' for " non use '' ... Please inform Equifax I don't want them or their scams ... and also " XXXX XXXX ''!!! I should get compensated for putting up with this XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX Portfolio Recovery Associates XXXX to Validate Debt To Whom It May Concern, I am filing this formal complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by attempting to collect a debt that has not been properly validated. 

Portfolio Recovery contacted me in regard to a debt they allege I owe. In accordance with XXXX XXXXXXXX XXXX XXXXXXXX ( b ) of the FDCPA, I submitted a timely written request for debt validation within the required XXXX period following their initial communication. Under the law, once a debt validation request is made, the collector must cease all collection efforts until proper verification is provided. 

Despite my request, Portfolio Recovery has : Failed to provide any documentation or legal proof of the alleged debt ; Continued collection attempts, including phone calls and/or letters ; Reported the debt to credit bureaus without proper validation, which violates FCRA XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ), prohibiting the reporting of unverified or inaccurate information to consumer credit reporting agencies. 

These actions constitute serious violations of federal law and have caused unnecessary distress and potential harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-06-09 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I request that you conduct a reasonable investigation of this item and either verify it with proper documentation or remove it entirely from my 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 explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I request that you conduct a reasonable investigation of this item and either verify it with proper documentation or remove it entirely from my 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