vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : LA XXXX XXXX # XXXX -- Balance : {$1700.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX -- Balance : {$18000.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$6700.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX -- Balance : {$18000.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'XXXX XXXX\nXXXXXXXX\nXXXX XXXX XXXXn XXXX XXXX XXXXn\nTransUnion Consumer Solutions\XXXX XXXX XXXX XXXX XXXXn\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as follows:\n\n1.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \nPrincess McCritty'

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I overdrafted my account a few days ago and I was trying to do a mobile check deposit with fifth third Banks mobile banking app. They restricted my ability to deposit my checks through the app because of claiming that I had more than three overdrafts in the last 30 days but I have only had ONE overdraft fee and it was only a few days ago. They refuse to correct the situation and I do not live within a reasonable distance to one of their branches to deposit in person. I live in an area without reasonable branch access. Blocking mobile deposit prevents me from resolving the account and causes additional fees. This may be an unfair practice under CFPB guidelines. I would like this escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 an identity theft block request under 15 U.S.C. 1681c-2. The credit bureaus are reporting information that does not belong to me and was the result of fraud. I submitted the required block letter, documentation, and identity theft statement, but the bureau failed to properly remove or investigate the fraudulent information. I am requesting that the CFPB require the bureau to comply with federal law and immediately block and delete the inaccurate/fraudulent data from my credit file. I have already notified the bureau in writing, provided evidence, and followed all steps required under the FCRA. They have not corrected or removed the fraudulent information within the time allowed, and they continue to report it even though I advised them that the accounts and inquiries are not mine. Their refusal to properly block this information is harming my credit and causing denials. I am requesting CFPB intervention to make the credit bureau fully comply with the FCRA, investigate properly, and remove all fraudulent items I identified in my block letter.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge.please help me get these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-11-18 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 
Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding repeated, harassing, and threatening phone calls I have received from individuals claiming to represent XXXX XXXX and Integra Credit. These calls violate both the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ), as well as federal rules under the Telephone Consumer Protection Act ( TCPA ). 

Details of the Incident : - Caller Name : XXXX ( claimed affiliation with XXXX XXXX XXXX XXXX - Dates & Times : Friday, XX/XX/year> Called my workplace from ( XXXX ) XXXX Monday, XX/XX/year> Called again from ( XXXX ) XXXX - Nature of Calls : Caller disclosed my personal information to other employees at my workplace. 
Issued threats stating she would bring the police to my XXXX  to serve me. 
Threatened to come to my home and, if I was not there, to come to the elementary school where I work. 
Used intimidating and berating language during both calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
Starting in XX/XX/year>, United Wholesale Mortgage did an inaccurate escrow analysis, adding roughly {$400.00} worth of taxes to my mortgage that I am exempt from- which was what was reported to my credit affecting my debt to income ratio. They have also reported an erroneous mortgage amount of over {$5000.00} to XXXX. I requested XXXX take me out of a forbearance program, which I was talked into being placed in while I was a furloughed federal employee during the government shutdown down, so they could report the correct mortgage payment of XXXX, but they said it will take a week for me to be removed from that program and then another month for them to report to my credit. I then requested XXXX provide me with an accurate monthly statement to prove what is being reported on my credit is wrong, which they said couldnt be generated out of schedule. My mortgage payment amount has been incorrectly reported since XX/XX/year>. These events have caused me to be denied for loans, adding extra hits on my credit for no reason, lowering my credit score, and preventing me from purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Business Name : XXXX Issue : False credit reporting / No lease / No authorization / No response to consumer Complaint Summary : XXXX has reported false rental information on the credit reports of three individuals : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All three individuals lived at XXXX XXXX XXXX, XXXX, FL XXXX, but none of them had a signed lease agreement, and no eviction was ever filed in court. Despite this, XXXX reported rental data to all three major credit bureaus, which is in violation of the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate, unverified, and furnished without consumer consent. 

Details of the Problem : These individuals never opted in to XXXX reporting system. 
No landlordtenant contract exists authorizing credit reporting. 
No eviction, judgment, late balance, or rental debt exists. 
The property owners ( XXXX & XXXX XXXX, located in XXXX ) uploaded rental data that is false and unverified. 
XXXX has no documentation, no signed lease, and no proof of debt. 
Attempts to contact XXXX have failed : Their phone number does not work. 
Their address appears invalid or non-responsive. 
Emails have gone unanswered. 

This is a serious violation of FCRA 623 ( a ) ( 1 ) ( A ) because data furnishers must report accurate and verifiable information. 

Harm Caused : Because of XXXX false reporting : All three individuals have suffered credit score damage. 
They are being wrongly flagged as having rental issues or evictions. 
They are being denied housing opportunities due to this inaccurate information. 
They have spent time and money attempting to dispute this with credit bureaus. 

This is causing emotional distress, financial harm, and potential housing discrimination. 

What We Are Requesting : We are asking thXXXX XXXX to assist in requiring XXXX to : 1. Immediately remove all false rental reporting for these three individuals from ALL credit bureaus.

2. Provide written confirmation that these entries have been deleted.

3. Provide their correct mailing address and contact information for future verification.

4. Provide a copy of ANY documents they claim to have received from the landlord regarding : A lease Authorization to report Any payment history Any eviction or judgment ( none exists ) If XXXX can not provide proper documentation, the reporting must be permanently deleted. 

Desired Outcome : Immediate deletion of the false reports and acknowledgment that no authorized rental reporting ever existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: DISCOVER BANK
State: SC

Complaint narrative:
I am filing a complaint against Discover Bank for failing to properly investigate and validate a disputed account that is currently being furnished to the credit bureaus. 

The Discover Bank account ( ending in XXXX ) is being reported as a charge-off on my consumer credit reports. I disputed this with XXXX XXXX XXXX XXXX under the Fair C

redit Reporting Act ( FCRA 611 ). All three bureaus claimed that Discover Bank verified the account as accurate.

However, when I requested debt validation and documentation of this verification, Discover Bank failed to provide legally required proof. They did not provide a signed contract, original application, itemized transactions, chain of title, or any documentation showing how the balance was calculated. Instead, only billing statements were provided, which do not satisfy the requirements of a lawful validation under the FDCPA 809 ( b ) or a reasonable investigation under FCRA 623 ( a ) ( 1 ) ( A ).

Despite this, Discover continues to report the account as accurate. Furnishing unverifiable or unvalidated information violates multiple sections of the FCRA and FDCPA.

I requested Discover to provide : 1. A copy of the original signed agreement 2. A full itemized accounting 3. Documentation proving Discover is the rightful owner of the debt 4. The name/department that verified the debt with the credit bureaus Discover refused or failed to provide these documentsXXXX XXXX  also stated in writing that the account was previously verified, even though Discover has not supplied any proof, which calls the verification into question. 

This account is damaging my credit unlawfully, and I am unable to obtain financing because Discover is reporting a debt that it has not properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My XXXX  was working just fine for big purchases but once I lowered the amount I wanted to use all consider it doesn't work anymore. Cash app is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
i happen to look at my credit report and had notice i had some fradulent accounts on my credit report please remove accounts from my report thank you

Company response to consumer: Closed with non-monetary relief