vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-28 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX XX/XX/XXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX DC XXXX Re : Final Demand Remove Fraudulent Accounts Immediately or Face Legal Action To Whom It May Concern, This is my final and formal notice regarding your gross failure to delete two fraudulent and unauthorized accounts from my credit reports, despite having already disputed them and submitted supporting documentation. Let me be clear : this letter serves as a pre-litigation demand. You are officially on notice. 





The following accounts must be immediately and permanently deleted : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts originated from data breaches and were opened without my knowledge or consent. You are knowingly reporting inaccurate, harmful information and you are violating federal law by doing so. 





Your lack of action is not just negligent its willful, reckless, and completely unacceptable. I will not tolerate this any longer. 

















Your Legal Violations You are in blatant violation of multiple federal statutes : FCRA 1681i You failed to conduct a reasonable reinvestigation within the required 30-day period.

FCRA 1681c-2 I properly invoked my right to block identity theft-related data, and you ignored it.

FCRA 1681n and 1681o Your willful and negligent noncompliance exposes you to civil liability.

FDCPA 1692e ( 8 ) You are knowingly communicating false, disputed information to third parties. 













Relevant Case Law Supports My Claim XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX ) You are required to do more than parrot what the furnisher says. 

XXXX v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) Failure to independently investigate exposes you to liability. 

XXXX v. Equifax, XXXX WL 1124562 ( E.D. Tex. XXXX ) Proves that courts hold you accountable for ignoring clear evidence of error. 









Youve had your chance. You failed to comply with federal law, and now you are compounding your liability each day that these accounts remain on my reports.

My Demands I demand the immediate deletion of the above two accounts across all credit bureaus. You have 15 calendar days to comply. This is not a request it is a legal warning.

If these accounts are not removed within that timeframe, I will take the following actions without further notice : File complaints with the CFPB, FTC, and my State Attorney General.

File suit in Federal District Court for : Statutory damages Actual damages Punitive damages Legal fees and costs Pursue maximum legal penalties for every day you continue to damage my credit with false information. 









You are now on notice. Fix this immediately, or face the consequences in court. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MI

Complaint narrative:
I have sent several emails to customer support asking to revoke ACH authorization ( on XX/XX/XXXX and XX/XX/XXXX ) but they went unanswered. I then chatted with the customer support using the app asking to revoke ACH authorization and was told no, they will not remove automatic bank withdrawals. Under the Electronic Fund Transfer Act ( 12 CFR 1005.10 ), I have the right to revoke ACH authorization at any time. You are legally obligated to honor this revocation, regardless of how your services are branded or structured. I issued a stop payment with my credit union but have been made aware that Dave.com is notorious for changing their merchant information to skirt around the stop payment. I am again stating that I would like to revoke ACH authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: DC

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines.

As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. 
I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Experian 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. This fraudulent, inaccurate, and false information consists of a mortgage account opened at XXXX XXXX on XX/XX/year> under the account number XXXX XXXX XXXX XXXX XXXX This accounts have resulted in several fraudulent remarks appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion refuses to file or complete disputes. file number is missing from TransUnion ( XXXX file number ) TransUnion sent me a letter, which I uploaded, stating that my dispute was illegible. I accessed TransUnion to review the dispute, only to find that TransUnion erased the dispute as if it had never been filed. I possess all printouts of disputes and results. TransUnion verifies disputes within a few days of filing. TransUnion is failing to conduct proper investigations. I have repeatedly disputed the accuracy of their investigations, yet TransUnion refuses to disclose the measures taken during these investigations. I have requested the methods of verification used in examining the late payments and accuracy of XXXX, XXXX XXXX XXXX accounts, and XXXX XXXX. At this point, I demand that XXXX send me a check for {$1000.00} for every violation. There are XXXX late payments all XXXX accounts, totaling {$21000.00} in violations. If a check is not received within XXXX XXXX, a lawsuit against TransUnion will be filed with federal court. TransUnion has tarnished my good name, caused pain and suffering throughout the pandemic and beyond, and continues to pattern each account with inaccurate information while neglecting to conduct its own investigations in accordance with the Fair Credit Reporting Act ( FCRA ). I have contacted the federal trade commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: WI

Complaint narrative:
I received an email from a representative of the company who provided me with specific guidelines to remain current. I followed the guidelines but my account was not paid and reflected as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I had deposit {$40.00} in cash to send to my grandson for baby formula. The transaction didn't go through. They suspend my account saying fraudulent activity. This was with Cash App I want my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
I woke up to a plethora of unauthorized inquiries on all three of my credit reports ( Equifax, TransUnion, and Experian ). These inquiries appear to be related to someone attempting to purchase a vehicle in my name. I did not authorize any of these credit checks, and I am not in the process of buying a car. 

This is extremely urgent and distressing because I am currently in the process of securing preapproval for a mortgage, and my credit profile is being carefully monitored. These unauthorized inquiries can significantly harm my ability to qualify for a home loan, especially since my credit card payments are about to post and reflect positively on my score. 

Please investigate and remove these inquiries immediately to prevent further damage to my credit and financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I've recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I've recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Filed dispute with XXXX, they came back within 48 hrs that it remains. Heres the problem, I was never provided anything from either of these XXXX party, Notice, verification, purchasing agreement, verifying their accuracy, I was given nothing! Also, XXXX never provided any information, except they would be handing the debt off to a collector this debt definitely is disputed I was provided fraudulent information from the sign up of their offering and it is documented, I also just responded to one of their emails ( included ) about this very debt from XXXX, apparently they placed this on my credit months ago but just reached out to me on XX/XX/year> via email and I responded, im sure this violates FCRA rules and activates statutory implications against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. 
The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX OPEN DATE XX/XX/XXXX {$550.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX {$610.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX XXXX XXXX OPEN DATE XX/XX/XXXX {$300.00} XXXX XXXX OPEN DATE XX/XX/XXXX {$250.00} XXXXXXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX {$500.00} I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter.

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