vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-06-06 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-06 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:
I am filing this complaint against both TransUnion and Experian for allowing multiple unauthorized hard inquiries and false addresses to appear on my credit reportswithout my knowledge, consent, or any permissible purpose. Despite never applying for credit from any of these listed companies, numerous hard inquiries have been made which are damaging my credit profile and compromising my personal data security. 
Inaccurate & Untouched Addresses ( FCRA Violation : 1681c and 1681e ( b ) ) The following addresses have been added to my credit report, though I have never resided at or been associated with them : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX These are clear violations of FCRA 1681e ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy and 1681c, which prohibits reporting inaccurate or unverified personal information.

Unauthorized Hard Inquiries ( FCRA Violation : 1681b ( f ), 1681n, 1681o ) I did not apply for credit, nor did I grant permission to the following entities to access my credit report. These inquiries are a gross misuse of my consumer data and have severely impacted my credit score : 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 XX/XX/XXXX According to FCRA 1681b ( f ), no one is permitted to obtain a consumer report unless they have a permissible purpose and proper authorization. I did not authorize any of these pulls. 

The continued appearance of these inquiries demonstrates willful noncompliance by the credit bureaus, making them liable under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Requested Resolution : I am demanding the following immediate corrective actions : Permanent deletion of all unauthorized hard inquiries listed above from both TransUnion and Experian reports.

Permanent removal of all false addresses from my credit profiles.

A formal apology and explanation of how these errors occurred.

Assurance that stronger verification protocols are in place to prevent future violations.

Final Note : This complaint is submitted under the protection of the Fair Credit Reporting Act ( FCRA ). If this matter is not resolved, I am prepared to pursue further action through the Federal Trade Commission ( FTC ), and if necessary, I will seek legal counsel to file for damages in federal court. 

I am requesting CFPBs support to enforce compliance and ensure my rights are protected.

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 2025-06-06 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: GA

Complaint narrative:
Please understand, this complaint is genuine. There are inaccuracies on my credit report that are causing real emotional and financial stress. These are difficult times, and the ongoing negative effects are more than I can put into words. I would be deeply grateful if these errors could be verified and removed or corrected as needed.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had my payments on auto-pay they took too long to take it and the payment ended up being returned. I have been working so hard to make payments on time and clean up my history. All I am asking is a one-time forgiveness to remove the missed payment from my credit report. We've been repairing our credit to get ready for home ownership and this one missed late payment really hurt me. I have since paid it off so I can have good standing once again.

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 2025-06-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In early XXXX, I began the process of applying for a home equity loan and discovered a derogatory account from XXXX was severely affecting my credit. I immediately disputed the account with Experian ( Dispute # XXXX ), requesting full validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This was actually the second dispute I filed the first was ignored or inadequately addressed, which forced me to escalate the matter. 

The second investigation concluded on XX/XX/year>, with Experian stating the information was verified as accurate. However, the only documents XXXX  has ever sent are recycled billing summaries and screenshots from XXXX, with no signed agreement authorizing XXXX  to collect, no bill of sale, and no chain of assignment proving XXXX  legally owns the debt. XXXX also required me to log into a secure portal to access documents, which is a deceptive practice that forced me to accept terms just to view basic information. 

Because of this unverifiable reporting, Ive been unable to access over {$100000.00} in equity in my home since XX/XX/year>. This has caused real financial damage, stress, and delays, despite my repeated and documented attempts to resolve the matter. I am demanding full deletion of this tradeline and financial compensation for the resulting harm.

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 2025-06-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-06 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cashapp illegally closed my account back XXXX. I used my card at XXXX XXXX and then woke up the next day saying that I violated the terms. I asked what terms were violated and still have not received an answer. I escalated it and was told I would receive a response in XXXX days. XXXX days came.and no response but told XXXX another XXXX haa been XXXX to my XXXX  because many people use Cashapp as XXXX. Here is is XXXX and im still trying to get answers. I have contacted Cashapp since XX/XX/XXXX with the last contact being XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian, Equifax, TransUnion Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute certain information appearing in my credit file that I believe is the result of identity theft. Pursuant to my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the reporting of this fraudulent information.

The following account ( s ) on my credit report are not mine and were opened or used fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under federal law, I have included the following documentation in support of this request : 1. A copy of a police report or a Federal Trade Commission ( FTC ) Identity Theft Report.

2. A valid government-issued photo ID.

3. A proof of residence ( e.g., utility bill or lease agreement ).

4. A detailed statement identifying which information is fraudulent and should be blocked.

Under 15 U.S.C. 1681c-2, you are required to block the reporting of the information that is the result of identity theft within four ( 4 ) busine
ss days of receipt of this request and the accompanying documentation. Please provide written confirmation once the fraudulent information has been blocked from my credit file.

Thank you for your prompt attention to this serious matter. If you need any further information or clarification, you may contact me using the contact information provided above. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts and inquiries in my credit report. I strongly believe that this situation exploits me, and I seek 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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
DISCOVER BANK IS SHARING PRIVATE INFORMATION WITH CREDITS BUROS ( XXXX, XXXX  AND XXXX  ), BREAKING THE FCRA 15 USC 1681a 2AI, 15 USC 1666B AND 1637 ( B ), AMONG OTHER INFORMATION DISCLOSURE LAWS, AFFECTING MY REPORT, FINANCES AND OTHER THINGS. I TRIED TO CALL DISCOVER BANK AND THEIR RESPONSE WAS RUDE AND IN CONCLUSION THEIR RESPONSE WAS " DO WHAT YOU WANT '' AS SOON I LET THEM KNOW THAT I WOULD REPORT TO THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm approved a {$5000.00} loan in my name for a merchant called XXXX, but I never authorized this transaction. I never received any product or service, and its clear that this was the result of fraud or identity theft. I did not consent to this loan or agree to these terms. 

I disputed the transaction with Affirm and submitted all available evidence ( screenshots, chat logs, and proof that no product was delivered ), but Affirm denied my claim citing lack of evidence. 

I also contacted XXXX directly, and they denied my refund even though the seller could not provide any proof of delivery or transaction validity. Ive since filed an FTC Identity Theft report and canceled my debit card to stop further fraud. 

Im requesting that this loan be fully canceled and removed from my record as it was made without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: VA

Complaint narrative:
On today XXXX XXXX my account with Chime was closed for no reason when I called them the explaination was that my direct deposit wasnt not in compliance with their terms and conditions. I asked chime exactly to identify what was violated they said they couldnt give me specifics. I asked about my money that was in my savings I was told that due to the violations that all money in my savings will not be refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a written dispute to Experian regarding inaccurate information on my credit file. My dispute was sent via USPS Certified Mail and was delivered to Experians dispute department on XX/XX/year>, as confirmed by USPS tracking. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, Experian is required to conduct an investigation and provide me with the results in writing within 30 days of receiving my dispute. 

As of today, XX/XX/year>, more than 30 days have passed since Experian received my dispute. I have not received any written response from Experian. This is a direct violation of the FCRA. 

I am requesting that the CFPB take action to ensure Experian complies with the law and removes the disputed inaccurate information from my credit 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 2025-06-06 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: WA

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 non-monetary relief