vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MD

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-17 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent a letter to Citi Bank because there is a negative item on my credit reports. This account is not mine and I asked Citi Bank to remove it. I sent them specific copies of the entry on all 3 main credit bureaus records, along with a copy of my drivers license, a copy of social security card and proof of my current address. They sent me a letter claiming that they could not locate my account nor did they know what information I was disputing on my credit reports. This was despite the fact that I included copies of my credit reports showing the account number that THEY reported, and all my personal information. Their reply letter states that they could not locate my account, which doesn't surprise me because its not my account. They sent some additional pages for me to fill out and return, but it is not my job to assist them in their investigation. I sent them all the information they would need, and they couldn't locate an account in my name.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : [ Insert Date ] To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing multiple inaccurate, incomplete, and unverifiable accounts appearing on my Experian credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ).

The accounts in question are as follows : XXXX XXXX XXXX XXXX {$14000.00} This tradeline are inaccurately reported due to one or more of the following issues : No proof of ownership or assignment Inconsistent and re-aged payment histories Incorrect Date of First Delinquency ( DOFD ) Continued monthly reporting as charge-off/collection after closure Reporting of late payments after the account was closed or marked paid Failure to ensure maximum possible accuracy under FCRA 1681e ( b ) I demand a full reinvestigation of each account and the complete deletion of any tradeline that can not be fully verified with supporting documentation from the original creditor. If verification can not be provided, you are required by law to remove the account from my credit file. Please complete your reinvestigation within 30 days of receipt of this letter, as required by FCRA 1681i ( a ). 

Sincerely, [ Signature ] 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 2025-08-17 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts are a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. There is also a fraudulent inquiry at XXXX XXXX XXXX on XX/XX/XXXX 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 account, or hard inquiry as reported. The aforementioned account, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
From my understanding, Square owns and manages the XXXX with cash app. i have had a large amount of money sitting in my XXXX  wallet that I cant access. Square does not allow users of cash app to make their own security phrases, which leaves cash app in charge of it basically. you don't own that XXXX  wallet or address. its more like renting it. my cash app suddenly and unexpectedly got closed and I was told I would of been able to withdraw all funds on my account. only problem is that its been so long, I forgot my pin. cash app took my cash app away for me to use so XXXX cant verify with my cash app card and an old number is linked to it but I do have my email address linked to it. I am able to get the code via email but get stuck when it asked for my cash pin. if I click on help it just takes me back to the welcome to cash app page and doesn't do anything else. i have called square and cash app multiple times and neither will help. my cash app is even verified with my social but i was told they are not allowed to verify my identity that way. i am still able to see that there is a balance in my cash app XXXX  wallet just a little under XXXX XXXX dollars. I could use that money more than ever now. cash app should be more clear about the XXXX  policys and how you dont get to make your own security codes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXX XXXX  XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXX XXXX XXXX. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXX XXXX  XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXX XXXX  XXXX. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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: GA

Complaint narrative:
Subject : FCRA Dispute Mixed File, Impermissible Inquiries, and Incorrect Entries To : [ XXXX ] Dispute Department From : [ XXXX XXXX XXXX ] , [ SSN last 4 : XXXX ], [ XXXX XX/XX/year> ], [ Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Date : [ Todays Date ] I am disputing inaccurate and improperly included information on my consumer report under the Fair Credit Reporting Act ( FCRA ).

Statutes : 15 U.S.C. 1681e ( b ) ( accuracy ), 1681i ( reinvestigation ), and 1681b ( permissible purpose for inquiries ).

A. Mixed File / Business Accounts My consumer report contains business-credit accounts and other information that do not pertain to me as a consumer and do not reflect any personal guaranty/personal liability. This is a mixed-file error and violates 1681e ( b ).

Please delete the following tradelines and any derivative data : [ List business tradeline ( s ), account numbers, creditor names ] B. Hard Inquiries Without a Permissible Purpose The following inquiries were made without my authorization and/or relate solely to business credit with no personal liability ; they lack a permissible purpose under 1681b.

Please delete the following inquiries : [ List company + date of inquiry ] C. Bankruptcy Entry [ Choose one : ] This bankruptcy does not belong to me/ is reported with the wrong date/chapter/status. Please delete or correct it.

( If accurate and <10 years old : omit this section. If >10 years old : It is obsolete under 1681c ( a ) ( 1 ) ; please delete. ) Requested Relief : 1. Delete/correct the above items ; 2. Provide me a free updated report ; 3. Send corrected reports to all recipients who received my report in the past six months ( two years for employment ), per 1681i.

If you need anything further, contact me in writing. 

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : FCRA Dispute Mixed File, Impermissible Inquiries, and Incorrect Entries To : [ XXXX ] Dispute Department From : [ XXXX XXXX XXXX ] , [ SSN last 4 : XXXX ], [ XXXX XX/XX/year> ], [ Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Date : [ Todays Date ] I am disputing inaccurate and improperly included information on my consumer report under the Fair Credit Reporting Act ( FCRA ).

Statutes : 15 U.S.C. 1681e ( b ) ( accuracy ), 1681i ( reinvestigation ), and 1681b ( permissible purpose for inquiries ).

A. Mixed File / Business Accounts My consumer report contains business-credit accounts and other information that do not pertain to me as a consumer and do not reflect any personal guaranty/personal liability. This is a mixed-file error and violates 1681e ( b ).

Please delete the following tradelines and any derivative data : [ List business tradeline ( s ), account numbers, creditor names ] B. Hard Inquiries Without a Permissible Purpose The following inquiries were made without my authorization and/or relate solely to business credit with no personal liability ; they lack a permissible purpose under 1681b.

Please delete the following inquiries : [ List company + date of inquiry ] C. Bankruptcy Entry [ Choose one : ] This bankruptcy does not belong to me/ is reported with the wrong date/chapter/status. Please delete or correct it.

( If accurate and <10 years old : omit this section. If >10 years old : It is obsolete under 1681c ( a ) ( 1 ) ; please delete. ) Requested Relief : 1. Delete/correct the above items ; 2. Provide me a free updated report ; 3. Send corrected reports to all recipients who received my report in the past six months ( two years for employment ), per 1681i.

If you need anything further, contact me in writing. 

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 2025-08-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - DEPT OF EDUCATIONXXXX  - XX/XX/XXXX - {$4100.00} XXXX - DEPT OF EDUCATIONXXXX XXXX XX/XX/XXXX - {$2400.00} XXXX - XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief