vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There was fraudulent activity on my XXXX XXXX XXXXXXXX account, which I immediately reported. After I contacted your team, the unauthorized charge was initially reversed. However, the reversal was later denied, only to be ultimately approved again after a full investigationconfirming that I was not responsible for the charge. 

During this period, while the matter was still under investigation, XXXX XXXX  XXXX incorrectly reported that I owed money to the credit bureaus. This inaccurate reporting caused a significant drop in my credit score, which I had carefully built and maintained over several years. 

As a result of this error, I have suffered substantial financial harm over the past XXXX months, including the loss of favorable financing opportunities and damaged trust with potential lenders. 

To date, this issue has not been fully corrected, and the negative mark remains on my credit report. I am urgently requesting that XXXX XXXX XXXXXXXX : Remove any inaccurate late payments or delinquency related to this fraudulent charge. 
Immediately update all three major credit bureaus with corrected information. 
Provide written confirmation once the correction has been processed. 

This situation has caused both financial and reputational damage, and I am asking for a swift resolution.

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 2025-05-21 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: CA

Complaint narrative:
This letter constitutes my final formal notice regarding the inaccurate late payment currently reported on my credit file and your agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite multiple previous disputes, you have continued reporting this negative information without providing any supporting documentation to substantiate its accuracy. A generic verified response does not fulfill your legal obligation to conduct a reasonable reinvestigation under FCRA 1681i.

Additionally, your agency is in violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. Your ongoing failure to remove unverified data and refusal to provide original documentation amounts to willful noncompliance. You are hereby given 30 days from the date of this letter to provide the following : Complete and original documentation from the creditor validating the alleged late payment ; A detailed account of your reinvestigation process, including verification sources ; Immediate deletion of the disputed item if it can not be fully verified with substantive and original evidence. As further support, I refer you to recent enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ), including the XX/XX/year> lawsuit against Equifax for mishandling consumer disputes and reporting inaccurate information. Your conduct mirrors the deficiencies cited in that case and reinforces my grounds for legal action. 

XXXX XXXX XXXXXXXX XXXX....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently noticed an inquiry on my credit report that I did not authorize. This inquiry was done online without my knowledge or consent, and I consider it to be fraudulent.

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 2025-05-21 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: NJ

Complaint narrative:
This letter constitutes my final formal notice regarding the inaccurate late payment currently reported on my credit file and your agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple previous disputes, you have continued reporting this negative information without providing any supporting documentation to substantiate its accuracy. A generic verified response does not fulfill your legal obligation to conduct a reasonable reinvestigation under FCRA 1681i.

Additionally, your agency is in violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. Your ongoing failure to remove unverified data and refusal to provide original documentation amounts to willful noncompliance.

You are hereby given 30 days from the date of this letter to provide the following : Complete and original documentation from the creditor validating the alleged late payment ; A detailed account of your reinvestigation process, including verification sources ; Immediate deletion of the disputed item if it can not be fully verified with substantive and original evidence.

As further support, I refer you to recent enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ), including the XX/XX/scrub> 2025 lawsuit against Equifax for mishandling consumer disputes and reporting inaccurate information. Your conduct mirrors the deficiencies cited in that case and reinforces my grounds for legal action. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
Subject : Request for Debt Validation Under the Fair Debt Collection Practices Act To Whom It May Concern I am writing to formally request validation of the debt referenced in your recent communication dated [ insert date of the debt collector 's letter ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires you to provide specific information about the debt in question.

Please be advised that I dispute the validity of this debt and seek the following information : 1. * * The amount of the debt * * : Please provide a detailed breakdown of the total amount you claim I owe, including any fees, interest, or other charges that have been added.

2. * * The original creditor 's name * * : Identify the original creditor and provide documentation that shows I am responsible for this debt.

3. * * Proof of assignment * * : If you are not the original creditor, please provide documentation that demonstrates you have the legal right to collect this debt, including the original account agreement or a bill of sale.

4. * * Payment history * * : Provide a complete account of all transactions, payments, and any adjustments made to the account, including dates of late payments.

5. * * Verification of the debt * * : I request a copy of the original contract or agreement that supports your claim.

In accordance with the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request will compel me to report your non-compliance to the Consumer Financial Protection Bureau ( CFPB ) and take appropriate legal action to protect my rights.

Additionally, please be aware that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any negative information regarding this alleged debt must be accurate and substantiated. If you are unable to validate the debt, I expect you to cease reporting this debt to credit bureaus and to inform them of its invalid status.

I demand that all future correspondence regarding this matter be conducted in writing. Please send your response to the address listed at the top of this letter. I appreciate your immediate attention to this matter and look forward to your prompt reply within 30 days, as stipulated by federal law.

Thank you for your cooperation.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: BCION, A DIVISION OF ION BANK
State: MA

Complaint narrative:
Subject : Unauthorized Multiple Credit Inquiries from XXXX XXXX XXXX XXXX : When I applied for an auto loan at my local dealership for my first car, I was unaware that they would pull my credit multiple times. I explicitly asked if this would count as a single inquiry, and I was told it would, but they failed to disclose how many times they would actually pull my credit. 

Here are the lenders they contacted on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only authorized XXXX inquiry. 

When I returned to get another car in XXXX, the same dealership again pulled my credit multiple times without my authorization. These are the inquiries reported on XX/XX/XXXX and XX/XX/year> : XXXX XXXX BCI FIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Out of all these, I only authorized a single credit pull per visit, but my credit was pulled repeatedly. 

Additionally, since these inquiries were all made on the same day during each loan application, they should have been grouped and counted as one inquiry each time, per credit reporting standards. However, some inquiries are labeled as unspecified instead of auto loan, which has caused them to be counted separately and unfairly harmed my credit score.

I am requesting the removal or correction of these unauthorized and misclassified inquiries so my credit report accurately reflects only the authorized credit pulls. 

This issue is causing significant damage to my credit, and I am seeking a prompt resolution. 

Dealerships were XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS IM IN THE PROCESS OF BUYING A NEW HOME FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 
I HAVE UPLOADED MY IDENTITY THEFT REPORT AND MY PERSONAL DOCUMENTS BELOW.

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 2025-05-21 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXX XXXX BALANCED {$270.00} XXXX XXXX BALANCED {$790.00} XXXX  XXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$34000.00} XXXX XXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2500.00} This account have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
Account # XXXX This loan was recently deleted from my credit report, but the company still demands information for me to provide them proof of who I am, before they would take any action to confirm the account.

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 2025-05-21 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: CA

Complaint narrative:
XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccuracies in my personal identification information as reported on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611, I request that you initiate an investigation into the following incorrect information and correct it in accordance with industry standards, specifically the Metro 2 Format guidelines for accurate reporting.

The following items are incorrect and need to be removed or corrected : 1. Incorrect Name ( s ) : o XXXX XXXX XXXX XXXX XXXX o Correct Name : XXXX XXXX XXXX 2. Incorrect Address ( es ) : o XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX o Correct Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX As outlined in the FCRA, all personal identifying information must be accurate and verifiable. Incorrect data may lead to confusion with another individual 's file and may have a negative impact on my creditworthiness.

Supporting Documents Included : A copy of my United States ID A recent utility bill or bank statement to verify my current address Any additional documentation supporting my correct name Please conduct a full investigation and remove or correct any inaccurate personal information in accordance with your obligations under the FCRA and report all changes using the standardized Metro 2 compliance format, ensuring consistency across all data furnishers.

Please provide me with written confirmation of the results of your investigation and an updated copy of my credit report once the corrections have been made.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as mandated by federal law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXX XXXX BALANCED {$270.00} XXXX XXXX BALANCED {$790.00} XXXX  XXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$34000.00} XXXX XXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2500.00} This account have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit reports and found several accounts reporting inaccurate, inconsistent, or unverifiable information. I did not receive proper documentation from the credit bureaus or the furnishers verifying these accounts. Im not disputing just to dispute I specifically asked for : The original signed agreement or contract Month-to-month billing statements Proof of ownership and balance validation Licensing to collect in my state Correction of my perso
nal identifying information ( which is still inaccurate ) The accounts were either ignored, marked verified without proof, or continued to report with incorrect dates, balances, or statuses across bureaus. This has affected my ability to access fair credit and caused emotional and financial stress.

I am requesting deletion of these accounts if they can not be verified in compliance with FCRA 1681i and 1681e ( b ).

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