vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am filing a follow up this complaint to dispute multiple charge-off accounts and inquiries being reported on my credit file that are inaccurate, unverifiable, or duplicative. These errors are causing significant harm to my credit standing and do not reflect my true financial situation. Disputed Accounts and Issues : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$3300.00}. This reporting is not properly substantiated and XXXX be inaccurate. XXXX XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$1600.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$2600.00}. The account appears to remain derogatory despite inconsistencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Another charge-off listed with a balance of {$2300.00}, creating a possible duplicate entry. XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as a charge-off with a balance of {$4800.00} without clear verification. XXXX ( Acct. XXXX ) XXXX Charge-off showing a balance of {$6700.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a balance of {$1900.00} ; requires verification due to inconsistencies. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a balance of {$900.00}, but lacking proper substantiation. Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear without my authorization or adequate permissible purpose documentation.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm writing to formally request a manual review of my XXXX XXXX {$200.00} resort credit for the XXXX benefit period. My stay occurred on XX/XX/XXXX, and the charge posted to my account on XX/XX/XXXX, as confirmed by my statement. This meets the eligibility criteria stated in the benefit terms, which require that charges post within the benefit period. 
I understand your team is referencing the merchants internal settlement date of XX/XX/XXXX. However, this timestamp is not disclosed to cardholders and is not referenced in the published benefit terms. The only visible and verifiable date is the posting date, which was XX/XX/XXXX. 
Denying the credit based on a backend settlement timestamprather than the posted datecontradicts the terms and penalizes cardholders for factors outside their control. I respectfully request that this be escalated for manual review and reconsideration. 

XX/XX/XXXX When I checked and found out I did not receive the first half of year XXXX $ credit, I reached out to Online chat. Customer service asked me where I found the fine print, then tried to correct me summarizing XXXX search result, then I posted the actual link to Amex terms, he still tried to emphasize on my summary wasn't correct based on XXXX search result terms. 

XX/XX/XXXX, I contacted the customer service hot line, the rep cut me off and told me she sees this issue all the time, last Friday she dealt with another customer had the same issue but his stay was in XXXX, but hotel never claimed the transaction from Amex until XXXX, so he did not receive the credit either due to Amex considers that internal request as " posting ''. She also explained to me, vendors ( XXXX ) can legally hold our card numbers and information and choose when to request payment from Amex. ( which she refers to as the actual timestamp for " posting '' ) We - the cardholders, have no control over this action, so tough luck, there is nothing that she could do. 

I believe this is then false advertisement and Amex is cheating our terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
After reviewing my XXXX account, I found four canceled orders with refunds that were never credited back to my Cash App account. XXXX provided proof showing the refunds were sent to Cash App, but I never received them. The refunds are : {$53.00} on XX/XX/year>, {$26.00} on XX/XX/year>, {$11.00} on XX/XX/year>, and {$26.00} on XX/XX/year>. 
On XX/XX/year>, I contacted Cash App, verified my identity, and provided screenshots of XXXX proof of refund. Despite this, the representative refused to help, offered no explanation for the missing funds, and gave no information on the status of the transactions. Instead, I was told to file a police report, which was both unhelpful and dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXXXXXX XXXX XXXX was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX  ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXX Experian Information Solutions , Inc. ( XXXX XXXX. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
In XX/XX/year>, the credit bureaus removed the remark Charged Off Account from my Servicing Solutions account. However, the account itself is still reporting inaccurately with incorrect status codes, balances, and late payments. 

Because of this inaccurate reporting, another XXXX of my bank accounts was closed, and my creditworthiness continues to be harmed. I have already disputed this account, but the information remains incorrect. 

Additionally, I am very concerned that XXXX has recently had consumer information exposed in a data breach. This makes the continued inaccurate reporting even more harmful to me as a consumer, since both my credit standing and personal data security are at risk. 

I am requesting that the inaccurate Servicing Solutions account information be corrected or deleted entirely from all credit bureau reports ( XXXX XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XX/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 2025-09-25 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:
My bill was paid off to the balance ofXXXX from {$390.00} and I have returned the equipment from XXXX  and I have disputed this with both credit companies and they despite it removed it and it keeps coming back on my report And there are hard inquiries on my report that I have not or don't know where they came from

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXXXXXX on XX/XX/year> under the account number XXXX, another credit card account opened at XXXX XXXX on XX/XX/XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, 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
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX XXXXXXXX on XX/XX/year> under the account number XXXX, another credit card account opened at XXXX XXXX on XX/XX/XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: HI

Complaint narrative:
Late XXXX of XXXX, I noticed I could not take out a personal loan for a family trip because I was told by another lender I had student loans, which I do not.Thats when I found out someone used my social security number back in XX/XX/XXXX to get student loans for a college thats out of state, never been to college also never left as I reside in Hawaii, the schools in Texas. Never seen that on my credit until this XXXX of XXXX. I contacted the loan server which was nelnet they did confirm the account was fraudulent as it wasnt even in my name but my social security was used. I did file a police report, did everything with the credit bureaus, and did the identity theft report. Nelnet ended up sending me a fraud packet and dispute letter. Which I had sent back out, then I started to receive payments at my home address from nelnet as they have put the loans now in my name. Keep trying to get in contact with but they never answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of XXXX  by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-25 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-09-25 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:
Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. - meaning Myself and the other company is required to not disclose any documentation unless WRITTEN permission is given. All data breaches, compensation for breaches, and credit reporting contradicts policy. Coercion does not qualify for consent, being forced to signup for credit reporting services to dispute inaccurate information goes against law and policy. All SCRA, TILA, FCRA documentation is required and requested.

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 2025-09-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/year> -- {$29.00}

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 2025-09-25 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following account. 
XXXX XXXX XXXX XXXXXXXX Balance : {$44000.00}

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 2025-09-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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