vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-15 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: NV

Complaint narrative:
To Whom It May Concern, I am submitting this as a formal dispute under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) regarding fraudulent information appearing on my credit report. Upon reviewing my report, I identified the following accounts and personal information that do not belong to me : These accounts are not mine. 

I have never lived at the listed addresses. 

The Social Security numbers associated with these entries are not mine. 

I have never applied for or authorized these accounts. 

This information is inaccurate and must be removed from my credit file immediately in compliance with the FCRA. Please conduct a thorough investigation, provide me with the results, and send an updated copy of my credit report reflecting the removal of these fraudulent entries. 

I am requesting that you also send notice of these corrections to any party that has received my credit report in the last XXXX months ( or XXXX years for employment purposes ). 



XXXX XXXX XXXX Original creditor : XXXX AT XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Orignal Balance : {$450.00} XXXX XXXX account. {$450.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Orignal Balance : {$350.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX AT XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Orignal Balance : {$2700.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX. 
Status updated : Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NV

Complaint narrative:
To Whom It May Concern, I am submitting this as a formal dispute under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) regarding fraudulent information appearing on my credit report. Upon reviewing my report, I identified the following accounts and personal information that do not belong to me : These accounts are not mine. 

I have never lived at the listed addresses. 

The Social Security numbers associated with these entries are not mine. 

I have never applied for or authorized these accounts. 

This information is inaccurate and must be removed from my credit file immediately in compliance with the FCRA. Please conduct a thorough investigation, provide me with the results, and send an updated copy of my credit report reflecting the removal of these fraudulent entries. 

I am requesting that you also send notice of these corrections to any party that has received my credit report in the last XXXX months ( or XXXX years for employment purposes ). 



XXXX XXXX XXXX Original creditor : XXXX AT XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Orignal Balance : {$450.00} XXXX XXXX account. {$450.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Orignal Balance : {$350.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX AT XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Orignal Balance : {$2700.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX. 
Status updated : Unpaid

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 2025-08-15 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp closed my account. I tried to withdraw my funds by linking my bank account and they wont allow me. Ive asked numerous times for a solution and they tell me theres nothing the can do. I have roughly {$6700.00} on there that I cant withdraw or spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-15 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: CO

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check in the amount of {$2600.00} on XX/XX/year>. However, the deposit was not posted until XX/XX/year>. I was told that a notice explaining the delay would be provided within 24 hours. No such email or communication was sent. After following up, I was informed that the notice was only available within the app yet I never received any alert or notification about it. 

I also expressed the urgency of accessing these funds and requested that the hold be expedited. I even asked if Citibank could contact the issuer directly to confirm the validity of the check. All of my reasonable requests were declined without alternatives or meaningful support. 

What is most concerning is the stated reason for the hold. The notice vaguely states that you have confidential information indicating the check may not be paid. When I asked for clarification on what that confidential information entailed, your representatives were unable to provide any specific explanation. 

This lack of transparency, poor communication, and refusal to assist in resolving the issue has caused me significant stress and inconvenience. As a customer, I expect clearer communication, especially when my access to essential funds is being restricted based on vague or unsupported reasoning. 

I am formally requesting : A full explanation for the hold on my deposit. 

A review of your communication process regarding deposit notices. 

An internal review of how my situation was handled. 

Consideration for expediting the release of funds due to the mishandling and lack of transparency. 

If I do not receive a satisfactory response, I will be escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 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 an 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 explanation
Consumer complaint received 2025-08-15 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been using XXXX  for almost XXXX years as my primary way of paying for bills, rent, and paying friends and family with all payments following XXXX  terms of service and user agreements. In my XXXX years of using XXXX  I have never violated their terms of service or had issues with the app. However, my account was deactivated on XX/XX/year> after a payment of {$16.00} was made to a friend, a payment that followed their user policy. I messaged XXXX  after this to try and get a clear answer on what policies I violated and offered to clarify any payments. They refused to provide me a reason or a chance to clarify any transactions from my account and told me my account was permanently deactivated. This deactivation caused many issues for me since this was my main source of paying rent, bills, and paying friends and family that only used XXXX  services. I would like an investigation into this since I believe this was wrongful termination since I did not violate any of their policies, they created undue issues and distress for me, and they provided no clarity or reasoning on why my account was deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IN

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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am disputing a charged-off loan of {$410.00} from Affirm ( XXXX XXXX ) for a purchase I made from a merchant called XXXX XXXXI placed an order and paid through Affirm, but the merchant never shipped the item. In the XXXX XXXX app, there was never any tracking number assigned, which proves the order was never shipped. I have attached a screenshot of this. 

I made multiple attempts to contact the merchant via email and through their website messaging portal, but I never received a response. The merchant has since taken down their website entirely, which supports my claim that they are no longer operating and were likely engaging in fraudulent activity. 

Because the product was never delivered, I disputed the charge with my credit card company and was refunded in full after proving XXXX XXXX was a fraudulent company. Despite this, Affirm reported the account as charged off, and I have now been contacted by XXXX, a debt collection agency, attempting to collect on this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing a fraudulent account appearing on my credit report. I have never authorized, opened, or used this account, and its reporting is misleading and damaging to my financial reputation.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One used unlawful practices when factoring interest rates on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
Bridgecrest XXXX  has been reporting different account close dates on my credit reports. Then on XXXX  they reported it as open the closed on XX/XX/XXXX. This is incorrect as the account was closed in XXXX of XXXX. They have refused to change it. Also they attempted an unauthorized charge to my bank account for {$1000.00} that was not authorized by me which is fraud. I want these items removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
Hello, Im requesting assistance in removing unauthorized accounts from my credit report. I did not open these accounts and was never informed about them. As per USC 1681g, I am asking for their removal within 15 days. Supporting documents are attached.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I am unemployed and experiencing significant financial hardship. My Capital One credit card account has a balance of approximately {$430.00} Before my payment was due, I contacted Capital One by phone on XX/XX/year> to request hardship assistance, including a temporary freeze on late fees and interest. I explained that I have no income and can not afford the required payment. 

Capital One refused to offer any hardship program or fee/interest relief. Because they would not work with me, I requested to close my account to prevent further charges. They confirmed closure but stated they will continue to charge interest on the existing balance despite my hardship status. 

I believe this practice is unfair to consumers experiencing verified hardship and effectively traps them in unpayable debt. I am requesting that Capital One : 1. Stop charging interest during my hardship period.

2. Remove late fees added after my hardship request.

3. Provide an affordable payment arrangement until I regain income. 

Requested Resolution : Freeze interest and fees, offer a reasonable hardship plan, and update my account to reflect cooperative resolution rather than continued delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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