vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-21 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX I sent Transunion and dispute which was in the format of a identity theft affidavit which inlcuded several accounts that were established without my prior knowledge or consent. I have not received any correspondance from Transunion throught mail or email regarding my dispute results and it has now been over XXXX  days.

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 2025-10-21 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:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law. 


You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 


You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation. 


15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 


Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX XXXXXXXX Account Number : XXXX - XXXX. XXXX XXXXXXXX Account Number : XXXX - XXXX. XXXX XXXXXXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX Account XXXX : XXXX - These are identity theft items not mine, not authorized, not valid. Every additional day they remain on my report causes ongoing harm to my credit, finances, and legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XX/XX/year>, my Apple Card account ( issued by Goldman Sachs ) was compromised after my phone and laptop were stolen while traveling abroad. Fraudulent charges appeared on my account, including {$1200.00}, {$92.00}, {$40.00}, {$29.00}, and others. I reported the fraud immediately. Apple/Goldman acknowledged the compromise, mailed me a replacement card, and applied provisional credits. 
Despite this, the fraudulent amounts were never permanently reversed. Instead, they remained on my balance, which caused me to exceed my credit limit and incur higher interest charges. Apple/Goldman later admitted that the merchants never provided evidence to support the charges, yet my disputes were still denied even after I submitted supporting proof. 
I provided evidence that : My phone was stolen ( confirmed by XXXX records showing I had to replace it ). 
The thieves attempted to pay my Apple Card using my XXXX XXXX debit card ; XXXX flagged the fraud and reversed the payment while pending. 
Apple blocked a legitimate purchase I made later at XXXX in XXXX, showing they could flag suspicious activity but failed to do so when thousands of dollars of fraud occurred abroad. 
Because of Apple/Goldmans mishandling , my balance has been inflated for over a year. I have been charged hundreds of dollars in interest and fees on fraudulent charges, my account remains overutilized, and my credit score has been negatively impacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I was contacted by someone that presented to be a cashapp representative! I was told he had tickets to the Texas vs Oklahoma football game on XXXX XXXX! It was my granddaughters XXXX birthday and I wanted to surprise her! I asked all the questions about the tickets and he guaranteed me they were authentic and she wouldnt have a problem entering the game! I purchased two tickets for {$150.00} each! When she arrived to game the tickets were counterfeit! I immediately contacted the person and he blocked me and I contacted cashapp and was told my money would be returned! It says my money was returned but I havent received anything! I believe cashapp is responsible for the the refund because it was a scam and the representative that I spoke with about the complaint inform me that I reported the issue in time to receive my money back! The person name is XXXX XXXX and his cashapp is $ XXXX and he is from XXXX Texas! He XXXX name is XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Paid Date : XX/XX/year> Amount : {$860.00} I am writing in response to a complaint I filed regarding a debt collection agency that is willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, which addresses civil liability for willful noncompliance. 
The debt in question has been paid in full, and I have documentation to support this. Despite this, the debt collector continues to report the account as unpaid or delinquent to one or more consumer reporting agencies. I have made multiple attempts to contact the agency and request that they update or remove the inaccurate information, but they have failed to take corrective action. 
The continued reporting of a paid debt as unpaid is not only inaccurate but also harmful to my credit profile and financial well-being. This constitutes a willful violation of the FCRA, as the agency has been made aware of the error and has chosen not to correct it.

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 2025-10-21 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Retail installment contract for a XXXX XXXX XXXX was executed on XX/XX/XXXX ( carbon copy ). Certified NY XXXX record ( temp reg XXXX ) and the dealers admission to XXXX XXXX confirm XX/XX/XXXX. However, American Honda Finance reports the tradeline Date Opened as XX/XX/XXXX. On XX/XX/XXXX I sent a direct dispute under FCRA XXXX XXXX ( XXXX proof XXXX. XXXX issued a denial on XX/XX/XXXX and a Credit Correction Confirmation on XX/XX/XXXX. The CRAs reflected balance changes within XXXX hours ( {$35000.00} {$34000.00} ), but the Date Opened remained incorrect. XXXX  ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ) then closed reinvestigations leaving XX/XX/XXXX. The XXXX portal shows date mismatches ( e.g., received XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) and a XX/XX/XXXX privacy notice disappeared XXXX XXXX after a litigation hold. The inaccuracy persists and causes harm. Please require correction of Date Opened to XX/XX/XXXX and documentation of the reinvestigation ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian, Equifax, and TransUnion Misreporting of Closed XXXX XXXX Account I am filing this complaint against Experian, Equifax, and TransUnion for their continued reporting of a XXXX XXXX account ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is inaccurate, unverifiable, and misleading. 
This account is closed, yet all three bureaus are still reporting an outstanding balance, missed payments, and a charge-off status. The data reported across bureaus does not match Experian shows continuous CO notations from XX/XX/XXXX through XXXX, while Equifax reports OK payments for the same period. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires maximum possible accuracy, and 1681i ( a ), which mandates reasonable reinvestigation of disputed data. 
I have submitted multiple disputes and formal correction requests to the credit bureaus and XXXX XXXX since XXXX, demanding documentation proving the debts validity. Despite these efforts, no lawful verification has been provided. 

Violations and Legal Basis FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) Failure to reinvestigate disputed information within 30 days.

FCRA 1681s-2 ( b ) Continued reporting of unverifiable and inaccurate data by furnishers.

FCRA 1681c-2 Failure to block or remove fraudulent or identity-related data after notice.

FCRA 1681n & 1681o Willful and negligent noncompliance subject to damages.

15 U.S.C. 1666b Failure to properly apply payments and update closed/charged-off accounts.

Unverified Documentation and Proof Demanded To date, neither the bureaus nor XXXX XXXX have provided the following required legal documents to verify the legitimacy of this alleged debt : Forward Flow Agreement ( showing lawful right of reporting or collection ) Chain of Assignment or Ownership Purchase or Transfer Agreement Insurance Claim of Debt ( if the debt was settled or insured after charge-off ) IRS Form 1099-C ( proof of cancellation of debt ) Original Promissory Note or Signed Agreement bearing my signature The lack of these materials renders the reporting unsubstantiated and unlawful under FCRA standards.

Harm and Requested Resolution This erroneous reporting has caused severe and ongoing damage to my credit profile, resulting in loan denials, higher insurance premiums, and loss of financial opportunities. 
I request that the CFPB order Experian, Equifax, and TransUnion to : Delete the XXXX XXXX account entirely from all credit reports; or Provide full source verification with the above legal documents proving validity. 
Absent such verification, continued publication of this data constitutes willful violation of FCRA 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Capital Mitigation Services, LLC
State: AL

Complaint narrative:
Informed me via voicemail that they had reached out and left information with my employer. I reached out this evening and requested that contact be ceased, but this is clearly illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: WA

Complaint narrative:
I am submitting to formally dispute the accuracy, completeness, and legal validity of several accounts currently being reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian, TransUnion and Equifax credit report. Upon thorough review of my file and records, I have found multiple inconsistencies and reporting discrepancies that raise serious concerns regarding the legitimacy and verification of these accounts. Inquiry Included In Dispute : XXXX XXXX XX/XX/year> These accounts are being reflected as Late Closed, Inquiry, Charge-Off, and Collection entries, which have a significant negative impact on my creditworthiness. However, no clear documentation or evidence has been provided by the furnishers to confirm the accuracy of these entries, the amounts allegedly owed, or the exact dates of default or collection placement. In several instances, the data reported by these furnishers appears to conflict with my own account history, payment records, and correspondence with the original creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: WA

Complaint narrative:
I am submitting to formally dispute the accuracy, completeness, and legal validity of several accounts currently being reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian, TransUnion and Equifax credit report. Upon thorough review of my file and records, I have found multiple inconsistencies and reporting discrepancies that raise serious concerns regarding the legitimacy and verification of these accounts. Inquiry Included In Dispute : XXXX XXXX XX/XX/year> These accounts are being reflected as Late Closed, Inquiry, Charge-Off, and Collection entries, which have a significant negative impact on my creditworthiness. However, no clear documentation or evidence has been provided by the furnishers to confirm the accuracy of these entries, the amounts allegedly owed, or the exact dates of default or collection placement. In several instances, the data reported by these furnishers appears to conflict with my own account history, payment records, and correspondence with the original creditors.

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 2025-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
Missed XXXX payment nut the company has demanded the account is enrolled in autopay. They are very persistent. XXXX has been enrolled and they have not withdrawn funds. Additionally, the auto payment portal is confusing and does not provide the customer clear communication when auto pay will begin or if the loan has been paid for the month.

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 2025-10-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a FTC Identity Theft Criminal Complaint from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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