vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: GA

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 List of Unauthorized Inquiries : XXXX - XXXX 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 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 2025-07-01 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:
The Fair Credit Reporting Act ( XXXX5 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 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:
The Fair Credit Reporting Act ( XXXX5 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: LA

Complaint narrative:
15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information known to be inaccurate.

15 U.S. Code 1681i ( a ) ( 1 ) Credit bureaus must reinvestigate disputed items within 30 days.

15 U.S. Code 1692e It is illegal for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of a debt. 
Also they collected gap insurance and theft insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 filing this complaint because XXXX continues to inaccurately report a charged-off account as " past due '' as of the current month. The account was charged-off in XX/XX/year>, yet they are updating the status monthly as if it is newly delinquent. This is known as re-aging and it violates the FCRA, section XXXX ( a ) ( XXXX ). Once an account is charged-off, it is no longer past due and should not continue to show new late statuses every month. This is misleading, damaging my credit, and must be corrected immediately. I have disputed this issue multiple times and XXXX has failed to address and correct it appropriately.

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 2025-07-01 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:
I am filing this complaint because XXXX continues to inaccurately report a charged-off account as " past due '' as of the current month. The account was charged-off in XX/XX/year>, yet they are updating the status monthly as if it is newly delinquent. This is known as re-aging and it violates the FCRA, section XXXX ( a ) ( XXXX ). Once an account is charged-off, it is no longer past due and should not continue to show new late statuses every month. This is misleading, damaging my credit, and must be corrected immediately. I have disputed this issue multiple times and XXXX has failed to address and correct it appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am filing this complaint because XXXX continues to inaccurately report a charged-off account as " past due '' as of the current month. The account was charged-off in XX/XX/year>, yet they are updating the status monthly as if it is newly delinquent. This is known as re-aging and it violates the FCRA, section XXXX ( a ) ( XXXX ). Once an account is charged-off, it is no longer past due and should not continue to show new late statuses every month. This is misleading, damaging my credit, and must be corrected immediately. I have disputed this issue multiple times and XXXX has failed to address and correct it appropriately.

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 2025-07-01 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:
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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX 15 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 XXXX 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 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 2025-07-01 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-01 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: TX

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 30 days 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 2025-07-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

FAIR COLLECTIONS & OUT ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$19000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$3500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX Date : 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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AR

Complaint narrative:
I recieved an email XXXX day that said my account was closed and so was the account that I sponsor there was no notice just closed. I chatted in because I assumed there was a mistake and they told me that I had violated TOS so I asked them how and they told me they couldn't see that part but they would escalate my case to their special service team. So it's been over a month today and im still after numerous attempts getting the same response that they dont know what terms I violated that since it was closed I had to of violated something. I use this account for everything. Even my paychecks are deposited here. The no one knows anything isn't working for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If after a reinvestigation an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item I am requesting immediate deletion of the following fraudulent collection accounts, which are the result of identity theft : XXXX XXXX XXXX for {$140.00} ( original creditor : XXXX ), XXXX XXXX XXXX for {$310.00} ( original creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX for {$480.00} ( original creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX for {$2100.00} ( original creditor : XXXX XXXX XXXX ), and XXXX XXXX XXXX for {$1800.00} ( original creditor : XXXX XXXXXXXX XXXX ). 

I did not authorize or open these accounts and they must be removed in accordance with the Fair Credit Reporting Act.

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 2025-07-01 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:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is a third-party company reporting information on behalf of XXXX. I have no contract or any business with XXXX. XXXX reported an accident that took place XX/XX/XXXX to XXXX XX/XX/XXXX. XXXX used illegal debt collection practices to collect debt of XXXX and opened a claim with XXXX. XXXX paid out the claim since I had full coverage covering XXXX in damages with a {$500.00} deductible. Please see the below claim that was filed and XXXX has yet to contact me to resolve the matter with the new claim. The balance is no longer {$2200.00} which XXXX is illegally reporting to all XXXX credit bureaus which caused a significant decrease in my credit score. Im currently unemployed and have been working continuously to make ends meet. I demand the account be removed completely and my credit is updated to reflect the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I tried to use my card in XXXX on XX/XX/XXXX and was having issues. When I returned back home on XX/XX/XXXX I tried to use it again for a car service and it wasnt working again. I called in XXXX to rectify to problem after I wasnt able to access my online acct anymore. When I called I was told there was suspected fraud on the acct and was not able to have any further details because the information I was giving wasnt correct. ( Because the perpetrators had already changed me information ) they explained that I now needed to send in specific information to verify the acct and would be contacted if they needed addt information. After I sent the information I never heard back from XXXX XXXX. I called again in the next XXXX weeks and was told to send the information again. I explained what happened previously and they had no other help to give other than resending the information. I never received any correspondence from capital XXXX going further. I called again after seeing my credit had tremendously dropped and I had negative marks on my report from XXXX XXXX. They informed me that the accts had been closed and XXXX was sent to collections. I was finally given app access because there were no Accts associated with it now that they had been closed. After opening the app I noticed that all of my information had been changed, address, phone number and email. I called back to inform XXXX XXXXXXXX of this information and found out that all correspondence they had sent was to the fraudulent new address/email or phone number listed. Even though this was very apparent to me capital ones fraud department didnt catch it and continued to notify the fraudulent address until closure of the acct. I asked XXXX XXXXXXXX if they were able to see when the address was updated and if it coordinated with the date they had suspected fraud on the acct. I also asked to have my accts restored as they were my longest standing open accts and Im trying to rebuild my credit. XXXX XXXX has still yet to contact me or rectify this problem. Im still not able to get certain information on the acct because of the fraud but they have still sent the acct to collections. I have reached out several times to try and escalate this with no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
On XX/XX/year>. I realized that the XXXX XXXX loans were a charge off I was not notified or aware of such thing. I am writing to formally dispute inaccurate information being reported on my credit file regarding my student loan account. The information in question is both incomplete and incorrect, and I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and you are required to conduct a reasonable investigation. Please remove or correct this erroneous information and provide written confirmation once this has been done. As for this matter is destroying my credit and my livelihood. And I need them removed.

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