vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Equifax, Experian, and TransUnion Inaccurate Payment History Reporting and Billing Errors I am filing this complaint against Equifax, Experian, and TransUnion for their continued reporting of inaccurate payment history on my credit file. This dispute is submitted directly by me, XXXX XXXX XXXX, not by any third party. I have provided proper documentation, yet the bureaus continue to report false late payments that fall under billing errors as defined in 15 U.S.C. 1666 ( b ).

Accounts in Dispute ( Inaccurate Late Payments ) XXXXXXXX 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 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 XXXX XXXX Basis of Complaint 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect payments made or credits issued.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or accounting errors. 

Creditors also failed to provide statements at least 21 days prior, meaning late payments should not have been recorded.

Violations by the Bureaus By continuing to report these inaccurate late payments without requiring proper verification from furnishers, the bureaus are in violation of : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

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 2025-09-04 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: MI

Complaint narrative:
I am disputing the bankruptcy record being reported on my credit file. The U.S. Bankruptcy Court does not report consumer information to Experian, XXXX or TransUnion. Credit reporting agencies typically obtain this data from third-party vendors such as XXXX or XXXX, which is not a direct or verified source. 

Under the Fair Credit Reporting Act ( FCRA ), any information included in my credit report must be accurate, complete, and verifiable. I demand that you provide documented proof directly from the bankruptcy court that this record was reported to you. If you can not verify it through the court itself, this record must be deleted from my file immediately. 

Please update my credit report to remove this inaccurate and unverifiable bankruptcy record and any related accounts that are currently misreporting as included in bankruptcy.

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 2025-09-04 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:
It is very upsetting that the inaccurate accounts are still appearing on my credit report. I checked carefully this morning, hoping the matter was corrected, but instead I found the same errors again. Refreshing my browser changed nothing, and this ongoing issue is deeply frustrating. I expect the documents Ive already sent to be fully reviewed so these accounts can finally be removed without any further delay.

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 2025-09-04 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: MS

Complaint narrative:
I am disputing inaccurate and unverifiable negative information being reported by Equifax, Experian, and TransUnion on my credit files. 

XXXX XXXX XXXX XXXX Installment Loan Experian shows a 30-day late in XX/XX/XXXX, but both Equifax and TransUnion show the account as closed with a {$0.00} balance and otherwise positive history.

No bureau or furnisher has provided billing statements or payment application records to prove the alleged delinquency.

Under FCRA 611 ( a ) ( 5 ) and 1681s-2 ( b ), unverifiable derogatories must be deleted. Reporting an account as negative without verification is misleading and inconsistent. 

XXXX XXXX XXXX XXXX Installment Loan Experian reports a 30-day late in XX/XX/XXXX, and TransUnion shows a 30-day late in XX/XX/XXXX. 

The account is open, shows continuous on-time payments, XXXX past due balance, and Pays as Agreed status. 

Retaining old derogatory codes while simultaneously reporting the account as current and paid is contradictory under Metro 2 guidelines and violates FCRA verification requirements.

Capital One Revolving Account Experian continues to report 30- and 60-day late payments from XXXX even though all three bureaus now show the account as open, current, and with no past due balance since XXXX. 

Neither Experian nor XXXX XXXX has produced timestamped billing statements or ledgers to substantiate these late marks.

Continuing to re-report unverifiable data after disputes is willful noncompliance under FCRA 616 and 617.

Personal Information Errors My credit reports include incorrect names ( e.g., XXXX XXXX ), outdated/incorrect addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wrong employers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These errors violate FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as inaccurate personal data damages my creditworthiness.

Impact : The presence of unverifiable late payments and false personal information has already caused harm to my credit standing, reputation, and financial opportunities. 

Requested Resolution : Delete the XX/XX/XXXX XXXX XXXX XXXX late. 

Delete the XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX lates. 

Delete the XXXX XXXX XXXX 30- and 60-day lates.

Remove all incorrect personal information ( names, addresses, employers ).

Correct my credit reports so that they only reflect verified, accurate, and
compliant information in line with FCRA and Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : XXXX XXXX Equifax, Experian, and TransUnion FCRA Violations, Inaccurate Personal Information, and Unverified Accounts I am filing this complaint against all three major credit bureaus ( Equifax, Experian, and TransUnion ) for their repeated failure to correct or remove inaccurate personal information and unverifiable accounts on my credit file. Despite submitting proper disputes with full identification, these bureaus continue to report false or unverified information, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Personal Information Incorrect names and aliases reported : XXXXXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are either inaccurate, outdated, or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted.

Violations by the Bureaus 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a valid method of verification.

15 U.S.C. 1681g : Failure to provide full consumer file disclosures upon request.

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 2025-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Cashapp has locked my account with {$130.00} since XX/XX/year> the XXXX accounts that sent money has sent me money or I have sent them money numerous times over the 9 years I've had cashapp they will not release my account for me to get my funds talking about fraudulent reasons when their isn't any fraudulent activities going on with my account all I want is to be able to transfer my funds out of cashapp and I won't never use cashapp again they are fraudulent trying to keep my hard earned money that I worked hard for I'm not working besides doing odd jobs and would like my money released I can't afford to just give them my money. I didn't try to dispute anything on my account all I tried to do was transfer the money to my Chime and they locked my account pending an investigation and they haven't found anything and now have closed my account so I can't transfer my funds out I've tried numerous times over the past 2 months and have contacted them numerous times about this issue I haven't did anything that goes against their terms and I just want my money off of cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLC XXXX XXXX XXXX XXXX XXXXRe: Request to Remove Inaccurate Credit Information\nTo Whom It May Concern:\nUpon reviewing my credit report, I have discovered that there are certain item(s) that are inaccurately reported. The details of the disputed item(s) and the reasons for the dispute are as follows:\n1. Validate AccountXXXX XXXX XXXX XXXX XXXXPlease investigate and delete from my credit report.\n2. Validate AccountXXXX XXXX XXXXAccount Number: XXXXPlease investigate and delete from my credit report.\n3. Validate Account\XXXX XXXX XXXXPlease investigate and delete from my credit report.\n 4. Validate AccountXXXX XXXX XXXXPlease investigate and delete from my credit report.\n5. Validate AccountXXXX XXXX XXXX XXXX XXXXPlease investigate and delete from my credit report.\n6. Validate AccountXXXX XXXX XXXX XXXX XXXXPlease investigate and delete from my credit report.\n7. Validate AccountXXXX XXXX XXXX XXXX XXXXPlease investigate and delete from my credit report.\n8. Validate AccountXXXX XXXX XXXX XXXXPlease investigate and delete from my credit report.\n9. Validate Account\XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report.\n10. Validate Account\XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report.\n11. Validate AccountXXXX XXXX XXXX XXXXPlease investigate and delete from my credit report.\n12. Validate AccountXXXX XXXX XXXX XXXX XXXXPlease investigate and delete from my credit report.\nIn accordance with the Fair Credit Reporting Act, I am requesting that you investigate these items and remove them from my credit report. I understand that you are required to verify these items with the creditor who reported them. Any information that the creditor cannot verify should be promptly removed. As stated in 15\n\nU.S.C. Sec. 1681i(a), I expect the completion of this investigation within 30 days of receiving this letter.\nPlease send me an updated copy of my credit report to the address mentioned above. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months about the corrections made.\nThank you for your attention and assistance in resolving this matter. Sincerely,'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XX/XX/XXXX for {$9800.00}, XXXX XXXX XX/XX/XXXX for {$2600.00}, XXXX XXXX XX/XX/XXXX for {$850.00}, XXXX XXXX XX/XX/XXXX for {$2000.00}, XXXX XXXX XXXX  open XX/XX/XXXX for {$2200.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-04 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX filed XX/XX/2018 XXXX XXXX XXXX has violated my rights. 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 a account without my written instructions

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 2025-09-04 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX filed XX/XX/2018 XXXX XXXX XXXX has violated my rights. 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), credit reporting agencies must ensure maximum possible accuracy and may not reinsert disputed information without furnisher certification and proper notice. The accounts and inquiries listed in my file are not 100 % accurate and violate my rights under the Fair Credit Reporting Act ( FCRA ).

These violations include : 15 U.S.C. 1681 602 ( a ) : I have the right to privacy, which has been violated by the inclusion of accounts and inquiries I did not authorize.

15 U.S.C. 1681b ( a ) ( 2 ) ( 604 ( a ) ( 2 ) ) : A consumer reporting agency can not furnish accounts or inquiries without my written instruction. These were reported without my authorization.

I have requested the original signed agreements, applications, and terms & conditions for these accounts, but they have not been provided. Failure to provide such verification forfeits the claim that the accounts are valid and requires deletion under the FCRA. 

I am a victim of identity theft. I did not open or authorize these accounts or inquiries. I reported the theft to the Federal Trade Commission ( FTC ) and attached the FTC Identity Theft Affidavit as proof. Despite this, the accounts remain on my file. 

I am requesting that the CFPB ensure the permanent deletion of these items, that all unverifiable information is blocked from being reported, and that the credit reporting agency provides certified verification if they claim any item is accurate.

In addition, TXXXX XXXX XXXX XXXX  has recently acknowledged a data breach, which raises serious concerns that the inaccuracies in my file may be related to compromised or mixed information. This makes it even more critical that TransUnion maintain maximum possible accuracy and provide full verification of disputed items as required under the Fair Credit Reporting Act ( FCRA ).

The disputed items include XXXX XXXX ( Acct ending XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), Citicards XXXX ( Acct ending XXXX ), and US Bank ( Accts ending XXXX & XXXX ). Unauthorized inquiries include XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), US Bank ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). 

This reporting is inaccurate, unverifiable, and harmful to my credit standing. I am requesting that the CFPB ensure TransUnion complies with the FCRA by deleting these items permanently, providing me with the legally required Method of Verification, and taking additional steps to protect consumers affected by the breach.

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 2025-09-04 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief