vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I have reported the incident to the Federal Trade Commission ( FTC ) and filed a formal complaint, which I have attached for your reference XXXX. My credit report contains accounts and hard inquiries that I did not authorize and that do not belong to me. 


List of UNAUTHORIZED INQUIRY and FRAUDULENT ACCOUNT : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>

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 2025-09-03 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}

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 2025-09-03 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: CT

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 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: NC

Complaint narrative:
I am a victim of identity theft, and my personal information was used to open fraudulent accounts and inquiries that now appear on my credit reports. I have submitted an FTC Identity Theft Report and supporting documents to Experian, Equifax, and TransUnion, requesting removal of these items under FCRA 605B. However, I need the Consumer Financial Protection Bureaus assistance in ensuring that all fraudulent accounts and inquiries are blocked and permanently removed from my credit file within the required four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Yes manor sir, I have had several complaints of the course of this account I started had to go into the store to make a payment do to fact the system error and charges fees and not removed when you make a payment on time they would give excuse were sorry we cant reverse a fee and something wrong with card in which nothing wrong with my debit card when go into store nothing wrong O believe deceptive trade practice taking place with third party individuals taking the call. I have always paid my account current now that they have closed consumers account with no written warning there not store available to receive honest help. No scamming pleas help I know I paid account do fact was present after surgery of spouse. These is a shame to misused no more charge unrelated fees on a consumer account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX  - XXXX - Account not mine XXXX - XXXX - Account not mine XXXX XXXX XXXX - Account not mine XXXX  - XXXX - Account not mine

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 2025-09-03 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-03 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: TX

Complaint narrative:
TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Second Request Failure to Conduct Reasonable Investigation / Demand for Deletion To Whom It May Concern, This is my second dispute letter regarding the inaccurate information in my TransUnion credit file. It has now been over 30 days since my first dispute, and you have failed to properly reinvestigate. TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts remain reporting inaccurately and must be deleted immediately : Collections & Charge-Off Accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( multiple accounts {$490.00}, {$580.00}, {$1200.00}, {$1300.00}, etc. ) Reporting as collection/charge-off with inconsistent dates and balances. 
Violation : 15 USC 1692g ( Validation of debts ) ; 15 USC 1681e ( b ) ( Accuracy ). 
Instruction : Provide signed contract and proof of ownership or delete. 
XXXX XXXX XXXX Reporting as collection/charge-off, unverifiable. 
Violation : 15 USC 1692e ( False/misleading reporting ) ; XXXX v. XXXX XXXX case law. 
Instruction : Delete immediately. 
XXXX XXXXXXXX ( Acct # XXXX, {$870.00} ) Charged off and sold/transferred, but no IRS 1099-C was issued.

Violation : 15 USC 1681s-2 ; 15 USC 1681e ( b ). 
Instruction : Delete due to noncompliance. 
XXXX XXXX XXXX XXXX  ( Acct # XXXX, {$550.00} ) Listed as charge-off with conflicting dates and lates. 
Violation : 15 USC 1681i ( disputed accuracy ) ; 15 USC 1681e ( b ).

Instruction : Delete. 
XXXX XXXX XXXXXXXX XXXX  ( Acct # XXXX, {$490.00} ) Charged off with inaccurate reporting across bureaus. 
Violation : 15 USC 1681e ( b ).

Instruction : Delete immediately. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Reporting charge-offs with inaccurate balances/dates. 
Violation : 15 USC 1681e ( b ). 
Instruction : Delete. 
Late Payments Several accounts ( XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX ) are showing XXXX day lates. 
Violation : 15 USC 1666b ( timing of payments ) ; 15 USC 1681i ( disputed accuracy ) ; 15 USC 1681e ( b ). 
Instruction : Update to Paid as agreed / Never Late. 
Inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) These inquiries were not authorized. 
Violation : 15 USC 1681b ( a ) ( 2 ) ( permissible purpose ) ; 15 USC 1681q ( false pretenses ).

Instruction : Delete immediately.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am filing this complaint because XXXX XXXXBank of America has failed to update my account balance with the credit reporting agencies despite several payments being made months ago.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate and complete information. My payments were made on before due dates and was not used again until after statement dates if I did use it again, yet the reported balance has not been corrected, damaging my credit profile and causing harm to my financial opportunities. 

Attached are : Proof of payments Screenshots of the inaccurate report as it appears on my credit file I am demanding immediate correction of my reported balance and timely furnishing of accurate information to all consumer reporting agencies ( Experian, Equifax, and TransUnion ).

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I am filing this complaint because Barclay/XXXX XXXX XXXX XXXX has failed to update my account balance with the credit reporting agencies despite several payments being made months

ago. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate and complete information. My payments were made on before due dates and was not used again until after statement dates if I did use it again, yet the reported balance has not been corrected, damaging my credit profile and causing harm to my financial opportunities. 

Attached are : Proof of payments Screenshots of the inaccurate report as it appears on my credit file I am demanding immediate correction of my reported balance and timely furnishing of accurate information to all consumer reporting agencies ( Experian, Equifax, and TransUnion ).

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 2025-09-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
My friend asked to borrow XXXX from me on XX/XX/XXXX. I sent it to her via Cash App. In the memo line which it forces you to enter something, I wrote the word XXXX because in our texts back and forth the auto correct had changed her text to that word which we we joking and laughing about since it clearly didnt fit in the sentence. Cash App immediately locked my account and I received an email stating they would be investigating and for me to respond and provide any information about this. I responded immediately upon receipt of their email. I explained everything and provided screenshots of our text conversation to support what I was telling them. That was all on XX/XX/XXXX. They deducted the XXXX from my account but did not deposit it to my friends account that I was sending it to. On that same day someone else deposited XXXX to my Cash App account. That money also remains locked in my account with a balance showing locked of XXXX. The XXXX I was attempting to send my friend does not show in my account nor her account. I should have a total of XXXX available funds in my account. 
My account remains locked with no funds accessible still today over XXXX weeks now. 
I have emailed on XX/XX/XXXX, XXXX and XXXX, XXXX. I have called on XX/XX/XXXX, XXXX and XXXX, and called today XX/XX/XXXX. I have called many other times between XX/XX/XXXX and XX/XX/XXXX however, I do not have those documented dates at this current time. Each time I have been told that they are investigating and the investigation is not complete including today. 
I would really like some assistance to make my funds available to me for use or withdrawal. The total amount of funds should be again {$720.00}. 
Thank you so much for any assistance that you could provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation