vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-09 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: NM

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in 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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-12-09 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: GA

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 explanation
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
This letter serves as my formal dispute of the 30-day late payment being reported by Experian on : XXXX XXXX XXXX Account # XXXX XXXX XXXX  Reported Late : XXXX XXXX XXXX ( Experian ) XXXX XXXX Why This Is Inaccurate Experian is the only bureau displaying this derogatory information. The data is inconsistent with other CRAs, which violates the maximum possible accuracy requirement under FCRA 607 ( b ).

Additionally, under TILA 1666b, a credit-card payment may not be treated as late unless the statement was delivered at least 21 days before the due date. Please provide documentation proving these requirements were met, including mailing logs.

Legal Basis for Dispute Under : FCRA 611 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( reinvestigation ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ( accuracy ), FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ( Method of Verification ), I request that Experian reinvestigate and either correct or delete this late payment.

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 2025-12-09 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: MD

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-12-09 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: CA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my credit report for accuracy. Below are the details of the disputed accounts : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I went tot Bank of America branch on XXXX in XXXX, NY I had a large check from my settlement. it was in my name and i was advised that i could not deposit it because it was not in the company name, but Mine. I under stood that and went to my personal bank, where in fact it was deposited and i received cash back of XXXX in the form of a bank check made to my company. I took it back to the same teller, who deposited it. I asked about hold, she said it is cashiers check, will be available tomorrow. Ok, Went home paid some bills, only to get an email XXXX. XXXX hour later say there is a hold on the check until XX/XX/year>. I went back to the bank, same teller, she said, well 4 days is not bad, usually there longer. I went back to my personal bank, with XXXX cash to cover what i wrote, i went bank to BOFA and put cash in. On XX/XX/XXXX, XXXX, another email, now on hold until XX/XX/year>. called BOFA, was told to go back to my personal bank and stop payment and get cash, WOW. Not doing that, called again, about noon, was told same thing, sorry nothing we can do. According to state laws, cashiers cks are 1 to 2 day hold Longer Holds In general, banks or credit unions may hold deposits more than one business day if : The account has been open for less than 30 days The account has been overdrawn too many times in the last XXXX months ( check your bank for specific policies ) If you made a deposit at an ATM owned by another institution The bank believes the deposited check may be uncollectible The bank suspects fraud There's an unexpected outage or emergency situation like a natural disaster You deposit a check for more than {$5500.00} ( see below ) When you deposit a check for more than {$5500.00} : {$220.00} must be available the next business day Amounts up to {$5500.00} must be available within two business days if the deposited check is a local check Amounts over {$5500.00} are generally available within XXXX business day I asked for a partial release, they said No

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 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-09 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: TX

Complaint narrative:
These accounts do not belong to me ; I ask they be removed within XXXX  days under the FCRA.

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 2025-12-09 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: TX

Complaint narrative:
Would you review this entry? It could be late and contain mistakes.

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 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: KS

Complaint narrative:
I had my account closed for violating terms of service. I only sent money and received money from family members and used the card at stores. I did not commit any fraud, I did not steal money, I did not use it to move money that wasn't already accounted for by banks. I asked for them to clarify. They couldn't identify why. I appealed. They came back denying appeal no explanation just " violating terms ''. No answer to what I did. I gave it time tried to open a new XXXX today with a different email. As soon as I tried to verify my identity they shut that XXXX down too. No explanations ever and they can't even pin point what I did to violate their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
The information furnished is incorrect and unrelated to my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-12-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
There is an account being reported under my name that is completely unknown to me. I have never authorized, opened, or managed this account in any way. This is unacceptable, as it creates inaccurate and misleading information on my credit report and raises serious concerns about how my personal information is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
These accounts do not pertain to me ; I request their deletion within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion regarding an inaccurate and unverified tradeline being reported on my credit file. 

The account is listed as : XXXX XXXX Charge Off ( since 2023 ) Account Number : XXXX XXXX Reported by all three bureaus. 

This account is being reported without verified documentation, and its presence is causing direct and measurable harm to my credit standing, credit access, and overall financial opportunities. I have repeatedly disputed this tradeline because I do not have any confirmed record, documentation, or contractual agreement showing that this account belongs to me. The credit bureaus have failed to provide any evidence proving ownership, accuracy, or lawful charge-off status.

The continued reporting of an unverified and potentially mixed-file account violates FCRA obligations requiring maximum possible accuracy and a meaningful reinvestigation. When documentation can not be produced, the information must be deleted.

Recent CFPB findings support this position. The latest CFPB Supervisory Highlights ( XXXX ) document that credit bureaus and furnishers repeatedly failed to verify disputed tradelines, continued reporting accounts without proper records, and relied on automated or incomplete responses instead of a real investigation. CFPB examiners concluded that unverified or unsupported data must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this XXXX XXXX account more than XXXX times, and XXXX XXXX has repeatedly reported inaccurate and unverifiable information. XXXX XXXX is reporting a delinquency that is incorrect and was added long after the account was closed. A lender can not legally report new delinquencies on a closed account. 

XXXX XXXX has failed to provide any documentation proving the accuracy of this reporting. Each dispute was returned as verified, yet no actual proof has been provided. This is a repeated violation of FCRA 623 and 611, as they are furnishing information that is not accurate, not current, and can not be verified.

At this point, the continued reporting of false information is harming my credit, my employment background reviews, and my standing as a federal law enforcement officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I would like the -- -- -- - to get involve and help me and challenge these people, in the first place this case have no merit to start with and wasn't signed not by a human person, none of what they say match with any records I have. They couldn't name the lawyer who started law suits against me, phone number, no email address etc..... This thing seems unreal plus I was suit in 2014 knowing the -- -- -- - suit them at this period of time for all reason listed on your sites and my case has the same similarity. I want the -- -- AND/OR any administration to verify -- -- -- -- -, since these people never got me the requires documents to file a motion They information i've got from them don't match any records and according to them they've got to file file a dispute with THE -- -- -- -- - to obtain the documents. Why my situation match with the information provided by -- -- - on their website. Please help me to get satisfaction and challenge them in courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: SC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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