vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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/year>

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 2025-06-10 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-10 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:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

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 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-06-10 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 am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1

. Conduct a thorough and impartial reinvestigation of the disputed items. 2. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: SD

Complaint narrative:
I received a phone call from XXXX XXXX. They claimed I owned XXXX money and I needed to pay it off or my cars could be seized. I called XXXX and they said I did not have a debt and that everything was paid for up front. A few weeks after that phone call I get a bill in the mail from XXXX for the amount I already paid XXXX and a {$25.00} collection fee. Now a few more week 's later I got another can and missed it because it was an unknown number. When I called it back, it was all automated and th voice said to send all documentation of my transactions and from my drivers license so they can verify their info. XXXX is the number they call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
Immediately block and remove any account or tradeline associated with identity theft or unauthorized access, under FCRA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
Immediately block and remove any account or tradeline associated with identity theft or unauthorized access, under FCRA 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 2025-06-10 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-10 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been trying to resolve this issue with XXXX and my creditors directly for the past XXXX months but it's clear that they are not actually reading my letters or looking at my documentation. Not only is this account not mine but it isn't even being reported accurately.... a complete FCRA XXXX that I plan to seek XXXX  for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I have been trying to resolve this issue with XXXX and my creditors directly for the past XXXX months but it's clear that they are not actually reading my letters or looking at my documentation. Not only is this account not mine but it isn't even being reported accurately.... a complete FCRA XXXX that I plan to seek XXXX  for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
XXXX XXXX alerted me a few months ago that charges were made to a card that I hadnt made in years! I asked them what address they had and it was from a home I sold 4 years ago. Apparently a card was sent to that address and was used for gaming activity as what the person on the phone told me. So I made a dispute and I dont recall giving this person my new address although I may have the person said they would put in a claim that I never authorized these purchases. A couple of months go by and I get an alert that I was overdue on a {$4.00} interest payment for these fraudulent purchases. I never received a bill so I called them back closed the card and paid the {$4.00} so no more damage would occur on my credit. I called experian which took about XXXX hrs and explained to them that my credit score dropped over XXXX points because of someones lawless spending on a card I never received even after I already responded the first time by telling them I moved from XXXX XXXX  years ago. The result of my dispute never recovered my XXXX XXXX XXXX but only dropped it to XXXX!!!! Another time this happened after selling my house with another card as well. I changed my address with the post office but is only good for 1 year it stops and apparently XXXX sent out a new XXXX honors charge card to the old address. This is extremely upsetting as I try to be very diligent with my payments and Im looking to refinance in a few years but how can I do this when this XXXX stays in my credit report for XXXX more years!!!! Please help as Experian has done nothing for me. Thank you

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
There was fraud on my account for over {$700.00}. Goldman Sachs refuse to issue credit after all the transactions have been approved in my favor. Not only that but they are reporting me late and charging me interest everyday. I have called multiple times every time they promise they will issue the credit but never happens. They keep charging me double interest charges and refuse to provide my credit for the fraudulent transactions. Even when it says the credit was approved they never took it out of my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have never done business with this company. They will not provide any proof. They never notified me of anything. They just attached it to my credit file. I have not signed with anything for them. They dont even have my complete information. All they wan na do is verify information and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 writing to dispute certain negative 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 2025-06-10 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: IN

Complaint narrative:
Several companies have accessed my credit report without my authorization, directly harming my credit and score. Despite assurances from your representative that these unauthorized inquiries would be removed, they persist. This continued inaction is unacceptable, raises serious concerns of identity theft, and is causing ongoing financial and emotional distress. I demand an immediate investigation and the swift removal of all unauthorized inquiries from my credit 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 non-monetary relief
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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 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 2025-06-10 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: TX

Complaint narrative:
Account open on XXXX XXXX {$3500.00} and Account open on XX/XX/year>XXXX  {$11000.00}. I have disputed these two counts with Experian and Equifax, they are reporting in accurate dates and amount. I have asked them on numerous occasions to update the account and nothing has been done.

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent Debt Report Dear Consumer Financial Protection Bureau ( CFPB ) Representatives, I am writing to formally file a complaint against Pentagon Credit Union regarding a fraudulent debt that has been reported in my credit history since XXXX. I want to emphasize that I never applied for, received, or used these funds, and after thorough investigations, I have confirmed that the money was never released from the bank or utilized by me in any form. 

Additionally, I have identified severe inconsistencies regarding the account associated with this fraudulent debt. On multiple occasions, the opening year of the account has been changed, appearing as XXXX, XXXX, and XXXX in various reports. This irregularity strongly suggests fraudulent practices intended to secure funds from individuals who never received them. 

Furthermore, I have repeatedly requested transaction reports from Pentagon Credit Union to verify the origin and usage of the alleged loan. However, they have refused to provide this information, deliberately obstructing my ability to investigate and confirm the invalidity of this debt. Despite notifying them several times that this debt is not legitimate, Pentagon Credit Union continues to report it to credit agencies, severely damaging my financial record. 

I have also filed multiple reports with local law enforcement and federal authorities, clearly stating that Account Number XXXX was fraudulently opened. Despite the submission of these official reports, Pentagon Credit Union has disregarded all documented evidence and continues to uphold this fraudulent debt.

Additionally, my Social Security Number ( SSN ) continues to be linked to this fraudulent debt, creating serious financial and identity risks. I demand immediate action to prevent further unauthorized reporting and financial harm. 

Given the extensive evidence proving the fraudulent nature of this debt and the deliberate negligence of Pentagon Credit Union, I demand immediate intervention by the CFPB to investigate this financial institution and take appropriate enforcement action. Furthermore, I request : - Immediate removal of this fraudulent debt from my credit history.

- A full audit of Pentagon Credit Unions financial practices, specifically regarding fraudulent account openings.

- Mandatory disclosure of all documentation related to this alleged loan.

I am prepared to escalate this matter to the highest level to defend my financial rights and prevent others from being victimized by similar fraudulent practices. I urge the CFPB to take swift and decisive action. 

I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
My phone was stolen and a deposit of XXXX was taken off my cashapp, they only disputed XXXX $ of the XXXX they are trying to not pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX  I called Vystar about this account # XXXX. Vystar let me know that they sold this debt to XXXX XXXX XXXXXXXX XXXX. I got their number from Vystar, called XXXX XXXX XXXX XXXX ( XXXX ) XXXX, they verified that they purchased this debt XXXX XXXX, XXXX. I asked XXXX XXXX XXXX XXXXXXXX to email me a copy of the statement. To this date I have not received this statement in my email or in my mailbox.

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