vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
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 XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, 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 2025-08-13 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:
The inclusion of this late payment does not accurately reflect my payment behavior. Please investigate and update my report to remove this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
XXXX XXXX XXXX is engaging in predatory and inconsistent reporting on my auto loan ( opened XX/XX/XXXX ) for a XXXX XXXX XXXX XXXX The original balance was {$24000.00}, last payment XX/XX/XXXX, with a balance reported at {$22000.00} as of XX/XX/XXXX. The XXXX loan is reported inconsistently, including numerous ND ( no data ) entries, misrepresenting my payment history and harming my credit. 
These practices suggest predatory lending and violate fair reporting standards. I request CFPB investigate XXXX XXXX, ensure all inaccurate or misleading information is corrected or removed from my credit report, and hold the lender accountable for deceptive or predatory practices. XXXX action is necessary to protect my rights and prevent ongoing credit damage. 
Account Info : Creditor : XXXX XXXX Company Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$22000.00} Vehicle : XXXX XXXX XXXX Term : 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 2025-08-13 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:
XXXX XXXX XXXX is engaging in predatory and inconsistent reporting on my auto loan ( opened XX/XX/XXXX ) for a XXXX XXXX XXXX XXXX The original balance was {$24000.00}, last payment XX/XX/XXXX, with a balance reported at {$22000.00} as of XX/XX/XXXX. The XXXXmonth loan is reported inconsistently, including numerous ND ( no data ) entries, misrepresenting my payment history and harming my credit. 
These practices suggest predatory lending and violate fair reporting standards. I request CFPB investigate XXXX XXXX, ensure all inaccurate or misleading information is corrected or removed from my credit report, and hold the lender accountable for deceptive or predatory practices. Immediate action is necessary to protect my rights and prevent ongoing credit damage. 
Account Info : Creditor : XXXX  XXXX  Company Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$22000.00} Vehicle : XXXX XXXX XXXX XXXX : XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
My credit reports from Experian, Equifax, and TransUnion contain multiple accounts and inquiries that are inaccurate, incomplete, and unverifiable. These items are being reported in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation after a dispute ).

I previously submitted written disputes identifying each error and provided supporting documentation. The disputed items include, but are not limited to : incorrect account statuses, inconsistent Date Opened and Date of First Delinquency entries, balances that do not match original creditor records, and tradelines reporting payment histories that contradict their own monthly status fields. Several of these items violate Metro 2 reporting standards by misaligning payment rating codes with account status, failing to freeze delinquency dates after charge-off, and carrying forward obsolete late payments outside allowable reporting periods.

Despite my disputes, the credit bureaus verified these accounts without supplying any evidence or a proper Method of Verification. They have not identified the furnisher contacts, the documents reviewed, or the specific procedures used to determine accuracy. This parroting of furnisher data, without independent verification, does not meet the reasonable investigation standard required by law. 

These reporting errors are not minor ; they are materially damaging my creditworthiness by lowering my scores, increasing my risk profile, and restricting my access to credit, housing, and other essential opportunities. Additionally, hard inquiries remain on my reports for creditors with whom I have no active accounts or valid credit applications, suggesting a lack of permissible purpose under 15 U.S.C. 1681b.

I am demanding immediate, permanent deletion of all inaccurate and unverifiable accounts and inquiries from my reports, a written explanation of the verification process for any remaining items, and full compliance with all FCRA and Metro 2 requirements going forward.

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 2025-08-13 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: WI

Complaint narrative:
Both Equifax and TransUnion are inaccurately reporting an account from XXXX XXXX XXXX opened XX/XX/year>, account ending in XXXX ) with a status of Charge-off while simultaneously showing a Current Payment Status of Past Due and a monthly past due balance of {$1000.00}. 

Once an account is charged off, no contractual monthly payments are due. Reporting a continuing past-due balance after charge-off is inaccurate and materially misleading to creditors and potential lenders. Both bureaus are also including this closed account in revolving utilization at over XXXX XXXX which misrepresents my active credit usage and negatively impacts my credit score. 

These errors violate the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : Failure to delete or correct inaccurate information after a dispute. 

I disputed this directly with both Equifax and TransUnion, but they verified the account without correcting the inaccuracies. I request that the CFPB require both bureaus to remove or correct this tradeline to ensure full compliance with the FCRA. 

Supporting documentation includes my credit report excerpts from both bureaus showing the inaccurate fields and my original dispute letters to each.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-13 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: United Collection Bureau, Inc.
State: PA

Complaint narrative:
Public Complaint Description : A closed credit card account was reported inaccurately by both the original creditor and a collection agency. The reports show inconsistent account opening dates, continued late payment reporting after the account was settled and closed, duplicate reporting of the same debt, and a misleading status of Collections/Charge-off instead of Paid Settled. These errors have harmed my credit standing and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This dispute concerns the continued furnishing of inaccurate, incomplete, and unverifiable credit information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), and 1681i ( a ). Furnishers and credit reporting agencies are required to comply with XXXX XXXX Format standards as established by the Consumer Data Industry Association ( CDIA ) and must properly handle disputes through the XXXX system to ensure accuracy, completeness, and lawful reporting. 

Late payment history and charge-off status are being reported in violation of FCRA requirements, including improper Date of First Delinquency ( DOFD ) reporting, failure to update status after an alleged charge-off, and failure to cease negative reporting where debt has been discharged or is otherwise unenforceable. If a Form 1099-C has been issued or should have been issued under IRS Publication 4681, continued reporting of a balance constitutes false reporting and violates both federal tax law and the FCRA. 

Pursuant to controlling case law such as Cushman v. Trans Union ( 115 F.3d 220, 3d Cir. 1997 ) and Richardson v. Fleet Bank ( 190 F. Supp. 2d 81, D. Mass. 2001 ), furnishers must perform a meaningful investigation of disputes and may not simply confirm their own records. I, as the consumer, am the only person legally able to validate any alleged debt, and any continued reporting without my validation is unlawful.

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 2025-08-13 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I notice that an account on appeared on credit report. This account does not belong to me. I emailed a cease and desist letter to Helvey and Associatess. I request this account is deleted from Al XXXX credit reporting agencies XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-08-13 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: CA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am an International student currently living in Texas, and I previously had a Cash App account with an active Cash App Borrow loan. My account was suddenly closed by Cash App without a clear explanation. Because my account was closed, I can not add any payment method or make payments directly through the app. 

I have contacted Cash App Support multiple times asking for a way to pay my loan balance. Most responses were vague, directing me to review their Terms of Service without providing specific instructions. I have proof of these communications. 

After trying for multiple day 's to make a payment, I got in contact with them by phone and they sent me instructions via email, requesting that I send a check or money order to a XXXX XXXXXXXX. I am concerned about the safety and traceability of this payment method, especially since I can not confirm my payment history or loan balance through my closed account. 

Because of these delays and the lack of clear, timely guidance, my balance has continued to grow with additional interest and fees. I have made repeated good faith efforts to resolve this matter and to pay what I owe, but the companys unclear processes have prevented me from doing so earlier. 

Through online research, I have found a large number of users reporting that their accounts were closed without justification, causing issues with their funds and payments. A select number of these individuals reported having the exact same problem I am experiencing, being unable to make payments toward a loan due to their account closure. 

I believe this situation demonstrates poor communication, lack of transparency, and possible unfair lending or collection practices. I respectfully request your offices assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed

by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure
that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-08-13 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 formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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