vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made repeated requests for Experian to remove outdated personal information, including an old address and phone number that are no longer mine and are now associated with someone else. I have also disputed inaccurate account information, which Experian deleted but later reinserted without providing the written notice required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Experian has now blocked my ability to submit disputes online and directs me to call, but I can not reach a live representative. These actions deny me my legal right to dispute inaccuracies and have allowed false and outdated information to remain on my credit file, causing ongoing harm.

I am requesting that Experian permanently delete the outdated personal information, remove all disputed items that have been improperly reinserted, and restore my ability to submit disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. 
I am submitting this formal complaint against TransUnion for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. TransUnion has now reinserted this account without notifying me within XXXXive business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me XXXX XXXX, reputational harm, and unnecessary hardship. 
TransUnions actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for XXXX XXXX  and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/2025, which is attached and serves as legal notice of TransUnions violation and my demand for immediate corrective 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
My cashapp account is closed. But Im not sure why, I was trying to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: CA

Complaint narrative:
credit sage agreed to help improve my credit I was with them for XXXX  months and nothing happend. I paid XXXX up front and XXXX after each month XXXX to check my credit to see if it was improving. I contacted them to see if I could get my money refunded do to nothing improving on my credit and until this day nobody comes on the line to tell me anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA section code 605 B ( 15 USC code 1681-C-2 ) that you, the TransUnion credit reporting agency, Experian and Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto loan through XXXX XXXX  on XX/XX/XXXX for the amount of {$36000.00}, XXXX XXXX open XX/XX/XXXX in the amount of {$4200.00} a medical bill. XXXX, Opened XX/XX/XXXX in the amount of {$1900.00} medical bill, XXXX XXXX opened XX/XX/XXXX in the amount of {$900.00}, XXXX XXXX opened XX/XX/XXXX in the amount of {$5000.00} showing as a charge off.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer fico credit report maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened made or initiated by me. All of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint number # XXXX As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA section code 605 B ( 15 USC code 1681-C-2 ) that you, the TransUnion credit reporting agency, Experian and Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto loan through XXXX XXXX  on XX/XX/XXXX for the amount of {$36000.00}, XXXX XXXX open XX/XX/XXXX in the amount of {$4200.00} a medical bill. XXXX, Opened XX/XX/XXXX in the amount of {$1900.00} medical bill, XXXX XXXX opened XX/XX/XXXX in the amount of {$900.00}, XXXX XXXX opened XX/XX/XXXX in the amount of {$5000.00} showing as a charge off.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer fico credit report maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened made or initiated by me. All of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint number # XXXX As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I keep trying to fix the problem of this account, but they keep trying to make me pay. I know my credit is bad because of it. Im so angry at all my hard work trying to keep it from going down. All for this to happen to me. Please just resolve it. I dont want to see my credit report or have it affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an unauthorized hard inquiries appearing on my credit report. This inquiries was made by : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Let me be perfectly clear : I never applied for credit with this company and I never provided them with written or verbal authorization to access my consumer report for any purpose. This unauthorized inquiry is a direct violation of federal law and is having a negative impact on

my credit score and financial standing. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, requires that a person or entity must have a " permissible purpose '' to obtain a consumer report. The FCRA also mandates that a consumer reporting agency, like yours, may furnish a con
sumer report " only in response to a court order or the written instructions of the consumer to whom it relates. '' The hard inquiries on my credit report was made without my written authorization and therefore lacks a permissible purpose. 

This unauthorized inquiry is a clear violation of my rights under the FCRA. I am not requesting an investigation of whether the information is accurate. I am stating, with certainty, that this inquiries is fraudulent and was made without my consent. 

Pursuant to my rights under the FCRA, I demand that you : Immediately and permanently delete this unauthorized hard inquiries from my credit report. 

Provide me with written confirmation of its deletion from my file within thirty ( 30 ) days of your receipt of this letter. 

I expect prompt and decisive action to correct this error. If this unauthorized inquiry is not removed from my credit report, I will not hesitate to file a legal remedies under the FCRA, which may include civil litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an unauthorized hard inquiries appearing on my credit report. This inquiries was made by : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Let me be perfectly clear : I never applied for credit with this company and I never provided them with written or verbal authorization to access my consumer report for any purpose. This unauthorized inquiry is a direct violation of federal law and is having a negative impact on

my credit score and financial standing. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, requires that a person or entity must have a " permissible purpose '' to obtain a consumer report. The FCRA also mandates that a consumer reporting agency, like yours, may furnish a con
sumer report " only in response to a court order or the written instructions of the consumer to whom it relates. '' The hard inquiries on my credit report was made without my written authorization and therefore lacks a permissible purpose. 

This unauthorized inquiry is a clear violation of my rights under the FCRA. I am not requesting an investigation of whether the information is accurate. I am stating, with certainty, that this inquiries is fraudulent and was made without my consent. 

Pursuant to my rights under the FCRA, I demand that you : Immediately and permanently delete this unauthorized hard inquiries from my credit report. 

Provide me with written confirmation of its deletion from my file within thirty ( 30 ) days of your receipt of this letter. 

I expect prompt and decisive action to correct this error. If this unauthorized inquiry is not removed from my credit report, I will not hesitate to file a legal remedies under the FCRA, which may include civil litigation. 

Sincerely, 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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

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 2025-08-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Credit Reporting by Equifax Incorrect Status on Account that still reporting NEEDS ATTENTION on XXXX XXXX Bank Dear CFPB, I am writing to dispute inaccurate reporting on my credit report by Equifax regarding an account that is showing a needs attention status, despite it being closed, paid in full, with a {$0.00} balance, and paid as agreed on account. 
XXXXXXXX XXXX XXXX 
I have enclosed a copy of what's been reporting on my credit report that Equifax will not correct. I demand deletion " NEEDS ATTENTION '' off my XXXX account within 5 days. 

This incorrect status is misleading and negatively impacts my creditworthiness. According to my records and statements from the creditor, this account has been fully satisfied and should reflect the correct status of closed, XXXX balance, and paid as agreed. 

I have contacted Equifax directly to correct this error numerous of time, but the inaccurate reporting persists as of XX/XX/year>. I request your assistance in ensuring Equifax updates this account information promptly to accurately reflect the accounts true status. 
Please have Equifax to correct within 5 days. 

Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute and keep me informed of any resolution steps. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation