vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX Date : XXXX XXXX To : TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Collection/Charge-Off Account Request for Investigation and Deletion Account Name/Number : XXXXXXXX XXXX XXXXXXXX Credit Report Date : XXXX XXXX Dear TansUnionXXXX XXXX XXXX I am writing to formally dispute the accuracy of a collection/charge-off account listed on my credit report. The account, listed under [ Creditor/Collection Agency Name ] with account number [ Account Number ], is inaccurately reported and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Reason for Dispute : The amount listed is incorrect and inconsistent with the with the original terms. 

Please conduct an investigation and provide me with the results in writing. Additionally, I request that you provide : Verification of the debt, including a copy of the original contract and payment history The name and address of the original creditor Any documentation you used to verify the accounts accuracy Under the FCRA, you are required to complete the investigation within 30 days of receiving this letter. If you can not verify the account, it must be deleted from my credit report. 

Please respond to this dispute at the address listed above. A copy of my photo ID and a recent utility bill are enclosed to verify my identity. 

Thank you for your prompt attention to this matter. 

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 2025-06-17 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-06-17 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a legitimate {$10000.00} insurance settlement check into my Regions Bank account on Friday XX/XX/XXXX right at XXXX EST. While the bank initially placed a hold citing past overdrafts within the last 6 months, the check has since been fully verified by both the issuing insurance agent and a Regions banker. Despite this, Regions continues to hold my funds with no written explanation or release of even the first {$5500.00}, as required under Regulation CC. 

This morning, I called at XXXX XXXX, and a representative told me the branch had the ability to release the funds. I then spoke with XXXX, the branch manager, at XXXX XXXX in XXXX, GA, at XXXX XXXX, who said their power had gone out the night before and she was dealing with other matters. She promised to call me back but never did. 

At XXXX XXXX, I followed up again and asked to speak to her. I was told she was busy. When she finally called back, she said her hands were tied, she could not connect me to the back office, and that I needed to call the XXXX line instead. 

I called Regions customer service and spoke to XXXX, who became condescending and dismissive once he discovered the original hold was due to past negative balances. I felt his tone was retaliatory and unprofessional, especially considering I was seeking assistance in good faith. 

At XXXX XXXX, I called again, spent over an hour on the phone, and was eventually transferred to a supervisor. The supervisor apologized repeatedly but admitted he didnt know how to help me or who could. 

During that call, I was able to connect XXXX XXXX, the issuing XXXX XXXX agent, on a three-way call. She confirmed the legitimacy of the check, including check numbers, amounts, and verified that XXXX had XXXX  funds to cover it. Still, I was told there was nothing anyone could do. 

Finally, I tried using the online chat feature and was told the only remaining option was to email the CEOand that nothing else could be done. 

I have now spoken with at least six different Regions employees, all of whom gave conflicting information, failed to follow through, or were unable to explain the continued hold.

This is unacceptable. My check has been verified, and the funds are legitimate. This continued hold feels punitive and discriminatory based on my account history, despite my active efforts to resolve the matter professionally. It is causing unnecessary financial and emotional XXXX, and I am asking for immediate release of my funds and a clear written explanation.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
XX/XX/XXXX Navy Federal Credit Union # XXXX Date opened : XX/XX/XXXX ( I was a XXXX XXXX XXXX ) Relationship terminated : XX/XX/XXXX Navy Federal Credit Union # XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX ( I was XXXX XXXX XXXX ) Relationship terminated : XX/XX/XXXX Im following up on my open complaint regarding Navy Federal Credit Union. I just contacted NFCU directly on XX/XX/XXXX, and they informed me that they can not locate any active or closed accounts under my name and are unable to provide a reference number because there was no original case number on their end. However, the complaint is still active on my CFPB dashboard. Im requesting that this issue be escalated or reviewed further as I believe there may have been unauthorized or fraudulent use of my information, possibly through old or inactive accounts. 
Please Note : Representative at NFCU XXXX on XX/XX/XXXX stated there is no account activity under my name and advised I contact CFPB again for resolution. And told me she couldnt provide me any documented inquiry regarding my call because I dont have a case number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
This account has been paid in full, and I have requested it to be removed off the credit reporting. I am disputing that this account is paid in full. It is negatively impacting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
I recently received this delinquency mark on my credit. 

I have a document from XXXX  stating the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

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

1681c-2 ) that you, the XXXX  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 XXXX GA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} US DEPT ED - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-06-17 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: IA

Complaint narrative:
Subject : Formal Complaint Inaccurate Personal Information on Credit Reports Demand for Immediate Removal To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX Complaint Details : I am writing to formally dispute inaccurate personal information being reported by Equifax, Experian, and TransUnion, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to properly investigate disputes ).

Inaccurate & Fraudulent Personal Information Requiring Immediate Deletion : The following personal identifying information ( PII ) is incorrect, fabricated, or erroneously associated with my credit file. The credit bureaus have failed to maintain reasonable procedures to ensure accuracy, and I demand the immediate and permanent removal of these entries : Incorrect Name Variation Reported : " XXXX XXXX XXXX '' ( This name is either incorrect or linked to fraudulent/unverified data ). 

Fraudulent/Inaccurate Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reported with an impossible future date of XX/XX/XXXX, proving gross negligence in data handling ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reported with date XX/XX/XXXX, which is incorrect ).

Fabricated/Incorrect Employers : " XXXX XXXX '' ( Fabricated or erroneous ). 

" XXXX  XXXX XXXX XXXX XXXX XXXX '' ( Incorrectly associated with my file ). 

Legal Violations & Demands : The credit bureaus are willfully violating the FCRA by failing to correct these inaccuracies despite clear evidence of their falsity.

The inclusion of impossible future dates ( XX/XX/XXXX ) proves systemic negligence in data verification.


I have previously disputed these errors directly with the bureaus ( if applicable ), yet they persist. Requested Resolution : I demand that the CFPB : Investigate the credit bureaus for FCRA violations. Require Equifax, Experian, and TransUnion to permanently delete all disputed inaccuracies. Ensure the bureaus conduct a proper reinvestigation and provide me with corrected reports. Hold the bureaus accountable for any damages caused by these inaccuracies. Please provide me with a written response detailing the actions taken. Thank you for your prompt attention to this serious matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

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

1681c-2 ) that you, the XXXX  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 XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX  XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
About a week ago, six accounts from your agency appeared on my credit report. When I reviewed the report, it listed the original creditor as unknown. I contacted your office to inquire about the debts and was told the accounts were tied to a company I had never heard of, and the address used to open the accounts was in a different state. 

The representative I spoke with informed me that all six accounts had been opened and closed in XXXX. When I asked if he thought it was suspicious that accounts closed in XXXX were only just now being reported in XXXX, he had no response. 

I asked the representative to send me a validation of debt letter for all six accounts. I specified that I was requesting documentation including : The name of the original creditor The date the account was opened The amount of the debt The full account number An itemized breakdown of the debt The deadline for dispute Proof that your agency is legally authorized to collect on these accounts I provided my mailing address so the letters could be sent. As he processed the request, he said a system notification appeared indicating that all six accounts would be marked as invalid, that the agency would cease collections on them and they contact the credit bureas to have them removed from my profile. I asked if I would receive written confirmation of this, or any written confirmation of any kind, and he said no but advised me to check my credit report within 30 days. 

Im following up here to verify that this is accurate and that all six accounts will, in fact, be deleted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ), and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
I found a few inaccurate negative items on my credit report. I contacted the furnisher & the CRAs, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item.

Also, this account was reinserted on my credit report without notifying me within five days.

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