vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXXXXXX XXXX Balance Owed : {$6800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX  XXXXXXXX XXXX  Balance Owed : {$6800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sensible Auto Lending, LLC
State: MI

Complaint narrative:
This debt is wrongfully owed. And I was not notified about a lawsuit or any legal action. The vehicle was a lemon and I gave the vehicle back I did not have it a whole month. Dealership is shut down for doing bad deals. I was not notified of collection, I was not notified if right to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MA

Complaint narrative:
Hello, I have XXXX issues. I have been working with a credit fix company who helped me tremendously. The issue is after we disputed everything that was not supposed to be on my account it came off and my score increased for XXXX out of the XXXX agencies. My score for experience in XXXX  are at the range of XXXX to XXXX and Trans Union I was able to remove all the negative items and the score never changed significantly. I have exceptional payment history. I do have a high credit usage but everything else is exceptional. No discrepancies no charge offs no defaulted accounts. Good mix of credit every else is great. Last year I paid off all my credit cards and my score changed drastically with XXXX  and XXXX, but Trans Union never changes it never drastically changes. It probably goes up a little bit like XXXX XXXX or XXXX points and then it changes back over XXXX months I dont know why the algorithm of the vantage scoreboard XXXX is what Trans Union follows which is the very first XXXX is XXXX history of 40 % if you look at my exceptional payment history, theres no way that the score reflects exceptional at 40 % of the algorithm between my other credit agencies. It doesnt make any sense 40 % alone of my payment. History should put me in mid XXXX my score for Trans Union is a XXXX also, when there is interest added from my student loan loans its reflects as if I missed a payment on Trans Union. It could be $ XXXX or XXXX and then my score drops it doesnt make any sense. I desperately need somebody to look into this.

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 2025-09-26 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: NY

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 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 2025-09-26 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: SC

Complaint narrative:
I am a victim of identity theft and, as a result, fraudulent and inaccurate accounts have been reported under my name. This stems from a data breach and unauthorized use of my personal information. Despite submitting disputes and supporting documents, the accounts remain on my credit report. 
This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 605B requires credit reporting agencies to block information resulting from identity theft.

Section 611 gives me the right to dispute inaccurate or incomplete information, and requires credit reporting agencies to investigate and correct or delete it.

The continued reporting of fraudulent accounts and inaccurate data is unlawful and is causing me serious harm, including denial of credit, financial loss, and emotional distress. 
Immediate enforcement of my rights under FCRA 605B and 611.

The fraudulent accounts and inaccurate information must be blocked and permanently removed from my credit file. 

Written confirmation from the credit reporting agencies once these actions are complete. 

Notification to the furnishers/creditors involved so they stop reporting the fraudulent 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
Consumer complaint received 2025-09-26 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-26 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year>XXXX  I had transferred XXXX that night to use the following morning when I woke up that morning my account was hit for XXXX through XXXX  I called cash app to explain what happened and they claim after a few days a week that the transaction came from my account. But will not give me my money back. After I made it very clear to them someone or something took my money through their cash app system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am submitting this complaint regarding multiple accounts reported on my credit report that contain inaccuracies. These discrepancies are negatively impacting my credit profile and need correction.XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXXXXXX XXXX Opened : XX/XX/year> I dispute the reporting of these accounts as they do not accurately reflect my payment history and account status. 
I have attempted to resolve these discrepancies directly with the creditors, but the inaccuracies remain on my credit file.These incorrect entries are causing potential financial harm, including affecting my creditworthiness.

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 2025-09-26 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: LA

Complaint narrative:
I am disputing inaccurate reporting on my closed credit card account with XXXX XXXX ( XXXX ), account ending in XXXX. 

On XX/XX/year>, I entered into a written agreement with the creditor to pay {$28.00} per month, and these payments have been drafted automatically from my bank account each month as agreed. Despite this, the creditor continues to report the account as past due to the credit bureaus. 

This reporting is inaccurate and misleading. I have fully complied with the agreed payment arrangement, and therefore my account should not be reported as delinquent during this period. 

I have attached supporting documentation, including : A copy of the payment arrangement agreement. 
Bank statements showing my name and monthly payments drafted.

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 2025-09-26 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: LA

Complaint narrative:
I am disputing inaccurate reporting on my closed credit card account with XXXX XXXX ( XXXX ), account ending in XXXX. 

On XX/XX/year>, I entered into a written agreement with the creditor to pay {$28.00} per month, and these payments have been drafted automatically from my bank account each month as agreed. Despite this, the creditor continues to report the account as past due to the credit bureaus. 

This reporting is inaccurate and misleading. I have fully complied with the agreed payment arrangement, and therefore my account should not be reported as delinquent during this period. 

I have attached supporting documentation, including : A copy of the payment arrangement agreement. 
Bank statements showing my name and monthly payments drafted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
On numerous occasions charges were made on my cash app account or money was mysteriously withdrawn without my authorization, as soon as transactions were noticed my card was shut down and a report of fraudulent use was made claims were always denied, I requested the information used to determine accountability of charges or transactions made on and from my account and information was denied A total of {$2500.00} was taken from my account and never returned i closed that account and had to open another account, I do not leave money in my account now but I will transfer money in if I need to send someone money but I deposit just the amount I am sending and send it as soon as it is deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This is now my fourth attempt to have my credit file corrected regarding the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX which continues to be reported as a charge-off. Each time I have raised this matter, I have been met with the same inaccurate result, even though the law is clear and my rights as a consumer are being ignored. 
This debt exceeds {$600.00}, yet no 1099-C has ever been produced. Without that documentation, the reporting of this charge-off can not be verified or considered accurate. By continuing to allow this item to remain, the bureau is in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires the reporting of only the maximum possible accuracy. Instead, my file is being misrepresented and my financial character is being unfairly damaged.

The repeated reinvestigations without any meaningful correction show a failure to comply with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed items. The failure to remove unverifiable information after multiple disputes also shows a disregard for 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 non-monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I disassociate myself from these accounts and expect their removal within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
Subject : TransUnion XXXX XXXX, Unverifiable Accounts ( XXXX  XXXX & XXXX XXXX ), FCRA Violations I am filing this complaint regarding TransUnions recent XX/XX/year> data breach ( over 4.4 million U.S. consumers affected ), in which I was directly impacted. I received an official notification letter from TransUnion confirming that my personally identifiable information ( PII ), including my Social Security number and date of birth, was compromised in the breach. 

As a result of this breach, I have reasonable cause to believe that certain accounts being reported on my TransUnion credit file are unverifiable, inaccurate, and/or may have resulted from unauthorized or fraudulent use of my personal information.

Accounts in Question XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXX  Background & Dispute History I have previously disputed these accounts with TransUnion, yet they continue to be reported despite my requests for verification.

To date, no creditor has provided proper documentation as required under the Fair Credit Reporting Act ( FCRA ) 609, 611, and 623. 

Specifically, I requested but did not receive : A copy of the original signed credit application or electronic application ( with IP address/timestamp if applicable ). 

Proof of permissible purpose under FCRA 604 for accessing and reporting this information.

Original records directly from the furnisher, not just an automated e-Oscar response.

FCRA Concerns Under FCRA 611, consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. Given the breach, reliance solely on the furnishers verification is insufficient.

Under FCRA 609, I am entitled to all information in my file, including source documentation. These have not been produced. 

The fact that my PII was compromised in the XX/XX/year> TransUnion data breach directly raises questions about the authenticity and accuracy of these accounts.

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 2025-09-26 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with Experian and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MD

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Details of the Disputed Account Account Number : 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  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record, Public Record INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY Details of the Disputed Inquiries Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

Company response to consumer: Closed with explanation