vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. 
XXXX ( b ). The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXXXXXX 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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank
State: PA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting under the FCRA Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Reporting Agency , I am writing to formally dispute inaccurate and misleading information currently being reported on my credit file concerning the above-referenced account.

According to my credit report, this account is listed as charged off with 18 potentially negative months, even though the balance is reported as {$0.00} and the status has not been updated accurately or consistently since XX/XX/year>. Additionally, this account was closed, and there is a reported write-off of only {$50.00}, which further raises questions about the validity of continuing to report 18 months of negative payment history. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 607 ( b ), the information furnished in consumer reports must be both complete and accurate. Continuing to report derogatory data on a closed, {$0.00} balance account, especially one that was last updated well over a year ago, is not only misleading but also fails to meet the accuracy standards required by law. Furthermore, Section 605 ( a ) limits how long negative items can be reported and requires accurate aging of the account status.

This outdated, inconsistent, and prejudicial information is impairing my ability to obtain credit and is not being reported in a fair or lawful manner. Therefore, I am formally demanding that you : Immediately delete this account from my credit report with all three major consumer reporting agencies.

Provide written confirmation of the deletion and the results of your reinvestigation within the 30-day time period as required by FCRA Section 611. 

Please consider this letter as a formal dispute. I have enclosed a copy of my government-issued ID and a utility bill for identity verification. If this inaccurate information is not corrected or removed, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies for willful noncompliance. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AR

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days after the ( XX/XX/2025 ). Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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

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 2025-07-21 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: AR

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days after the ( XX/XX/2025 ). Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 
Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national datebreach and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: UT

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am disputing an account reported by Jefferson Capital Systems ( Account # XXXX ) allegedly for XXXX XXXX. I have never received verification of this debt. I sent a cease and desist letter and formally disputed it under FDCPA and FCRA. 

Jefferson Capital has not provided any supporting documentation proving ownership, assignment, or breakdown of the amount owed. Continuing to report this unverifiable debt and communicate with me violates : FDCPA 1692g ( b ) failure to validate the debt FDCPA 1692c ( c ) ignored cease and desist FCRA 1681e ( b ) inaccurate, unverified reporting I request this account be deleted and all collection activity cease. Supporting documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
To Whom It May Concern : This letter constitutes a formal legal dispute and demand under the Fair Credit Reporting Act ( FCRA ) regarding serious ongoing violations by TransUnion involving my consumer credit file.

I have submitted a legally valid FTC Identity Theft Report No. XXXX, dated XX/XX/XXXX, along with all supporting documentation. Despite this, TransUnion continues to maintain and allow access to fraudulent data and inquiries associated with identity theft, thereby actively violating multiple provisions of federal law. 

Information That Must Be Blocked : A. Account Information : Creditor : XXXX Partial Account # : XXXX Balance Reported : {$25000.00} Status : Charge-Off / Collection Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX XXXX XXXXraudulent Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries and tradelines were identified in my FTC Identity Theft Report, and your agency is required to block them promptly.

Violations Committed by TransUnion : FCRA 605B ( 15 U.S.C. 1681c-2 ) Once a credit reporting agency receives a valid identity theft report, it must block the disputed information within four ( 4 ) business days. TransUnion has failed to do so.

FCRA 611 ( a ) Failure to Reinvestigate TransUnion has not acted on my formal dispute with a reasonable reinvestigation, as mandated.

FCRA 607 ( b ) Duty to Ensure Maximum Accuracy Maintaining data that
has been identified in an FTC Identity Theft Report is a failure to ensure accuracy and compliance.

FCRA 1681b ( f ) Impermissible Access Allowing continued access to data derived from fraudulent activity and without my consent is a direct breach of permissible purpose.

Enclosures : FTC Identity Theft Report XXXX. XXXX Government-issued ID Proof of address Credit report excerpts ( Santander account and listed inquiries ) DEMAND FOR IMMEDIATE ACTION : I hereby demand that TransUnion : Immediately block and remove the Santander account and all listed fraudulent inquiries Cease sharing this information with any third party or creditor Provide written confirmation that these items have been permanently removed Ensure all future reporting complies strictly with federal law and the FCRA Legal Notice : Failure to comply within the timeframe established by law will result in : Formal complaints to the CFPB, FTC, and Florida Attorney General Civil legal action under FCRA 616 and 617 for willful and negligent noncompliance Claims for statutory damages, punitive damages, and attorneys fees This is your final notice to act in compliance with the FCRA. I expect your full cooperation and legal compliance without further delay.

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 2025-07-21 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-21 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: HI

Complaint narrative:
I am formally disputing inaccurate and misleading information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurately reporting delinquency dates, terms, and payment status. Specifically : The account is listed as paid and closed as of XX/XX/year>, yet shows delinquency months after closure. 

The payment history reflects conflicting delinquency entries across bureaus ( 30, 60, and 90-day lates in various months ), and an inaccurate term duration of 120 months despite a {$1000.00} loan paid in less than 18 months.

This is misleading and materially affects my creditworthiness. 

Under FCRA 602 ( A ) and 611, I request an immediate investigation into this account and removal of the entire tradeline if the data can not be verified with 100 % accuracy. 

Please provide written confirmation of your findings and actions within the 30-day investigation window.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TN

Complaint narrative:
I made a purchase with my cashapp card on XX/XX/year>. I have yet to receive my product. Ive been corresponding with the company thats located in XXXX ( in which I only learned that recently ) they are refusing to give me a refund. I contacted Cashapp for a dispute and they stated they would not refund me. I sent them all the correspondence between myself and the company. The company is now stating the package must be lost and want me to wait 2 more months. I just want a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I opened an Affirm Money Savings Account on XX/XX/year>. On XX/XX/year>, Affirm froze this account without prior notice or clear explanation.

Since then, I have contacted Affirm customer service at least 6 times. Each time they told me the case was escalated and that I would receive a resolution within 35 business days, but I have never received any meaningful response.

As a result, I have been unable to access my funds or close the account for over one month. I need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
as of XX/XX/year> I discovered my information had been compromised my Social Security number and personal information such as my address and phone numbers were leaked and I noticed several fraudulent accounts on my credit report. The fraudulent accounts are missionlntab XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and relating inquiries to these fraudulent 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 explanation