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:
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 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I tried to link my U.S. Bank account to XXXX so I could pay my credit card. I got locked out of my U.S. Bank account and they said I could not get back in for XXXX days and there was zero fix this is completely unacceptable.

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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPTEDXXXX XXXXXXXX, DEPTEDXXXXXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following item ( s ) currently listed on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and Regulation V ( 12 CFR 1022.43 ). Grounds for Dispute : 1. FCRA 1681i ( a ) ( 1 ) ( A ) requires that any item disputed by a consumer be reinvestigated within 30 days. No such investigation has been evidenced or completed, and no results have been communicated to me.

2. FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known to be inaccurate. This item continues to be reported despite my prior notice disputing its validity.

3. I have previously submitted documentation, including : - An FTC Identity Theft Report ( ref. no : XXXX ) - Supporting utility bills as proof of identity. 

Despite this, your office has failed to correct or delete this item, in violation of federal obligations. This is consistent with other CFPB complaints ( e.g., Complaint IDs XXXX and XXXX ) which resulted in non-monetary relief due to similar reporting failures. 

Requested Actions : Pursuant to my rights under the FCRA and Regulation V, I demand the following : - An immediate reinvestigation of the information disputed ; - Written confirmation of the results of the reinvestigation ; - Removal or correction of the inaccurate items if not verifiable ; - Written notice to all other credit reporting agencies that received the information ; - Full compliance within 30 calendar days.

If these actions are not completed within the required time frame, I will pursue additional remedies including, but not limited to : - Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; - Initiating civil litigation for damages under FCRA 1681n and 1681o ; - Seeking non-monetary and monetary relief including legal fees.

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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am disputing Experian 's reporting of an account from XXXX XXXX XXXX that us inaccurate. The account was sold to another lender ( XXXX XXXX XXXX ), is paid in full, and has a {$0.00} balance. However, Experian continues to report this account as charged off with multiple late payment notations even after the sale date and paid in full. 

I previously submitted a dispute to Experian, but the incorrect information was verified and left unchanged. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information be reported. I am requesting that Experian remove or correct this tradeline to reflect that it was sold, paid, and no longer accruing delinquencies or charge-offs.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Equifax ( via CFPB Portal ) Re : Continued Reporting of Fraudulent Account Violation of 15 U.S.C. 1681c-2 This is a formal rebuttal and continuation of my identity theft dispute originally submitted through the CFPB.

Your response is both legally insufficient and factually incorrect. You stated : Equifax verified that this item belongs to you. 

This is an unacceptable and unlawful conclusion given the documentation I submitted, which includes : 1. An FTC Identity Theft Report 2. An official police report from the XXXX XXXX Police Department ( XXXX ) XXXX. The Victim Supplement and Financial Loss Report from XXXX 4. A sworn statement that I am the victim of identity theft Under 15 U.S.C. 1681c-2, also known as the Fraudulent Information Blocking Law, Equifax is legally required to block the reporting of any item identified as resulting from identity theft within four ( 4 ) business days of receiving : A valid identity theft report ( FTC and police ) A consumers statement that the charges on this account are fraudulent You received all of this. Yet, you illegally continue to report the XXXX XXXX XXXXXXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act. 

Let me be very clear : This is not a standard accuracy dispute. This is an identity theft blocking request under federal law, and your failure to comply constitutes a willful violation under 15 U.S.C. 1681n, which exposes Equifax to civil liability, statutory damages, and attorneys fees. 

You are now on notice : I demand immediate removal and permanent blocking of the XXXX XXXX XXXXXXXX account from my credit file. 
I demand that Equifax send a copy of my updated credit report reflecting this correction through the CFPB portal. 
I demand a clear explanation of why your original response ignored the identity theft documentation I submitted. 

If this issue is not resolved promptly and in accordance with federal law, I will escalate this matter with : A direct complaint to the Federal Trade Commission ( FTC ) Civil litigation against Equifax for FCRA violations Potential involvement of state and federal consumer protection attorneys I will not accept a generic response. This is a legal demand backed by binding federal law. I expect resolution within 7 business days. 

Sincerely, XXXX XXXX

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I mailed out a letter to Transunion about inaccurate late payment on my credit report. I sent the letter certified mail so on XX/XX/XXXX, at XXXX my letter have arrived and were signed for from an employee at the facility. Follow-Up on Dispute Violation of FCRA 1681i ( Exceeded 30-days ) Disputed Item ( s ) : [ XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As required by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must complete its reinvestigation within 30 days of receiving a consumers dispute, unless additional relevant information is provided by the consumer within that time, which may allow an extension to 45 days under 1681i ( a ) ( 1 ) ( B ). 

To date, more than 30 days have passed, and I have not received a response or results of your investigation. I also did not submit any new information after the initial dispute, so no extension applies. 

Therefore, you are required under the FCRA to : 1. Delete the disputed item ( s ) from my credit report, as they are unverified ; 2. Provide written confirmation of the deletion and the results of your investigation within 5 business days, as outlined in 1681i ( a ) ( 6 ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : GOVERNMENT EMPLOYEES IN. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX - BAL OWED : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX BAL OWED : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX - BAL OWED : {$7700.00} ; fraudulent inquiries off of my report : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate service and unfair practices, which I believe violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent or address fraudulent activity on my account, thereby leaving it vulnerable and unprotected. In addition, their dispute resolution process was both unfair and deceptive. Cash App did not comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their failure to act promptly and transparently caused me significant inconvenience and financial loss. I am requesting appropriate redress for these violations, including reimbursement for the funds lost due to their negligence and a review of their dispute and fraud resolution practices to prevent further harm to other consumers.

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: NJ

Complaint narrative:
Subject : Dispute Submission Reference to Federal Case 8:25-cv-00024 To Whom It May Concern, I am formally submitting this dispute regarding information reported by Experian, a credit bureau, debt collector , or financial institution ] that I believe to be inaccurate and potentially in violation of my consumer rights. 

In support of my position, I would like to reference * * federal case docket number 8:25-cv-00024 * *, filed in the U.S. District Court. This case appears to involve issues directly related to the type of claim being asserted against me, including potential violations of consumer protection laws such as the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). 

Based on the facts presented in that matter, there are strong indications of unfair or deceptive practices that could also be applicable in my situation. While each case is unique, I believe the legal arguments and outcomes in that case demonstrate a pattern of conduct that should warrant further investigation by the CFPB. 

Therefore, I respectfully request : - A formal review of the disputed information ; - Validation of the claims made by the reporting entity ; - And any necessary corrections to my records to reflect accurate, fair, and verifiable data. 


I am prepared to provide additional documentation or clarification as needed. Thank you for your prompt attention to this matter.

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

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( XXXX XXXX + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax XXXX XXXX ; Thomas v. TransUnion XXXX XXXX ).

- CFPB enforcement actions support similar resultsmost recently, a XXXX  XXXX settlement following procedural failures. 

XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX

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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
This is a recuuring problem. I have a letter from the XXXX  and also a XXXX XXXX  report to remove all of this 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation