vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a paid collection account with XXXX XXXX XXXX, XXXX. ( Account XXXX : XXXX ) that continues to report on my credit report despite a prior agreement for its removal once paid satisfactorily. The account was to be removed upon payment in full per the original agreement with the creditor. 

The date last active is XXXX ; however, payment history is being reported up until XX/XX/XXXX, which is inaccurate. 

Had the reporting been accurate, my payments would have been deferred due to COVID-19 and covered under the CARES Act, further highlighting that the information is unverified and erroneous. 

This reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

At this time, I am requesting that the account be removed from all credit reporting agencies per the original agreement. Please note that I am aware of my rights under the FCRA and understand that violations may be addressed through court or arbitration ; however, I am not seeking litigation at this time, only the correction and removal of the account. 

For your reference, I have attached documentation showing the account history and the erroneous reporting. I request that you investigate and remove this account promptly and provide confirmation once completed.

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 2025-09-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : ACCOUNTS : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Balance : {$100.00} Hard Inquiries : ( Organized by inquiry date ) XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX, filed with the XXXX Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongly added to my credit report. I did not authorize or create these accounts, and their reporting is false and harmful. These entries misrepresent my creditworthiness and have negatively impacted my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2025-09-18 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: VA

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 explanation
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been attempting to have all of these companies verify these debts but all I get is the run around. I have spoken with each and everyone of them give be very vague answers. I have had to put a credit freeze  on my accounts, made statements to opt of allowing all of these XXXX  XXXX  vendors/ companies to access my credit report but they have sent me letters stating that trying to have things removed required me to file a police report but it does not state that in their policies, I have been attempting to clean my credit since I first realized that I had XXXX. Having these other credit reporting sites such as XXXX XXXX, Experian online, Equifax, don't help us at all. I have reached out to them and Equifax simply told me that I can't have certain things removed ever from my report, XXXX XXXX has attempted to charge me {$3000.00} dollars to have these items removed, they also told me that Experian had no Information filled out for me so the reporting that I was seeing was altered. I recently was sent a letter from Experian to say that if I wanted anything removed that I would need to have Police report so I will be filing XXXX of those also. I am so upset about this whole process. I have been doing my research and found out about all of the illegal practice 's the credit reporting have been implementing has been fraud and they need to be shut down. I have gathered as much evidence as I could have and I'm going to the police to file a separate report there for Identity theft

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 2025-09-18 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: IL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XX/XX/XXXXXXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
XXXX XXXX BANK XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
XXXX XXXX BANK XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

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 2025-09-18 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: MD

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX PA XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I 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 XXXXXXXX XXXX XXXXXXXX ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Under XXXX XXXX XXXXXXXX ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 
Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 
If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 explanation
Consumer complaint received 2025-09-18 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:
The reported late payment is uncharacteristic of my payment history and seems incorrect. Please remove or amend it as appropriate. This record misrepresents my financial behavior and requires review.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Got it Youd like me to create a professional validation request letter to a debt collector that : Disputes the accuracy of how the account is reporting on your credit report References FDCPA ( Fair Debt Collection Practices Act ) laws Requests validation of the debt ( including signed purchase order agreements, contract, or other proof that ties you to the alleged account ) Heres a strong draft letter you can use : -- - Debt Validation & Dispute Letter Your Name Your Address City, State, ZIP Code Date Debt Collectors Name Debt Collectors Address City, State, ZIP Code Re : Account # [ Insert Account Number ] To Whom It May Concern : This letter is being sent in response to your reporting of an alleged debt on my credit report. Please be advised that I dispute the validity of this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following : 1. The original signed credit agreement, contract, or purchase order agreement that created this debt.

2. A complete payment history, including the chain of title proving your legal right to collect.

3. The name and address of the original creditor.

4. Verification that you are licensed to collect debts in my state.

Until you provide the above documentation, you must cease all collection activities and remove any negative reporting related to this account with all consumer reporting agencies, as unverified debts are not legally enforceable and continued reporting may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised that failure to properly validate this debt, while continuing to report inaccurate information, may result in legal action for violations of the FDCPA and FCRA.

I request that all communication regarding this matter be made in writing only.

Sincerely, [ Your Full Name ] [ Signature ] -- - Tip : Send this certified mail, return receipt requested so you have proof they received it. Keep a copy of everything. 

Would you like me to also make you a credit bureau dispute letter ( Equifax, Experian, TransUnion ) that works alongside this debt collector letter? That way, youre hitting both the furnisher and the credit bureaus at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I placed an order on XXXX for {$160.00} using my Cash App XXXX  Card. I canceled the order before it shipped. XXXX confirmed multiple timesboth in chat and emailthat the order was canceled and that the authorization hold on my card was released. 

Despite these confirmations, the funds remain on hold and unavailable in my Cash App account. I have contacted both XXXX and Cash App support numerous times, requesting that the hold be removed and my funds released. XXXX promised to send confirmation emails twice but never followed through. Cash App support has repeatedly told me to wait several days, without providing a clear resolution. 

This ongoing issue has caused significant inconvenience and financial stress. I am seeking the immediate release of the funds and written confirmation that the authorization hold has been lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
I am a full-time graduate student. My XXXX  student loans serviced by XXXX are in deferment, but TransUnion is incorrectly reporting them as being in repayment. XXXX has already submitted corrected data, including a rapid rescore request in XX/XX/year>. Despite this, TransUnion has not updated my report. This inaccurate reporting has caused me to be denied housing in XXXX, creating immediate harm. I have requested escalation, but TransUnion has refused to process beyond a standard XXXX dispute. I am requesting CFPB assistance to ensure that TransUnion promptly corrects my report to reflect my verified deferment status.

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 2025-09-18 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: IL

Complaint narrative:
I am a full-time graduate student. My XXXX  student loans serviced by XXXX are in deferment, but TransUnion is incorrectly reporting them as being in repayment. XXXX has already submitted corrected data, including a rapid rescore request in XX/XX/year>. Despite this, TransUnion has not updated my report. This inaccurate reporting has caused me to be denied housing in XXXX, creating immediate harm. I have requested escalation, but TransUnion has refused to process beyond a standard XXXX dispute. I am requesting CFPB assistance to ensure that TransUnion promptly corrects my report to reflect my verified deferment status.

Company response to consumer: Closed with explanation