vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
These inquiries were not authorized by me and are unrelated to any accounts Ive opened. Please remove them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Per the CFBP laws all information on my credit reports should be 100 % accurate. 100 % verifiable, and 100 % timely.I have found multiple errors in my personal information section of my reports.I have contacted the credit bureaus to get this updated as soon as possible and I have yet to see that happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to notify you of an inaccurate delinquency reported to the credit bureaus regarding a vehicle loan originally held through XXXX XXXX, now owned by XXXX XXXX. I have NEVER paid my account 30 days late! The vehicle was totaled in XX/XX/year>, and the loan was paid in full via a combination of an insurance settlement, XXXX insurance, and a final $ XXXX interest payment I personally made to ensure a XXXX balance. Despite this, the company is inaccurately reporting the account as delinquent to Experian, TransUnion, and Equifax. This false reporting is severely damaging my credit at a critical time ( score dropped XXXX points ), as I am currently in the process of purchasing a home. This conduct appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate information - 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to conduct proper investigations upon receiving notice of dispute I am formally requesting that you immediately : 1. Investigate and correct the reporting of this account immediately 2. Notify all three credit bureaus of the corrected status immediately 3. Confirm in writing that the account reflects a {$0.00} balance/paid in full and is NOT delinquentI have attached proof of payment, insurance and XXXX documentation, and the credit alerts reflecting the inaccuracy. Please treat this as a formal dispute under the FCRA and respond within 30 days or less, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
S

quare deactivated my account without warning and is currently holding my funds for 90 days, despite there being no evidence of fraud or violation on my part. I was using the platform to process legitimate transactions for my business. When I attempted to contact Square for an explanation, I received only automated responses citing a risk review and a vague r
eference to their terms of service. They have not provided any detailed reason for the account termination or the 90-day hold on my funds. 
The withheld amount is rightfully mine, and I need it to support my business operations. Squares actions are creating serious financial hardship. I am demanding that Square immediately release my funds or provide a justified and specific explanation, supported by evidence, for why they are entitled to hold the money for this extended period.

Holding a customers funds for 90 days without due process or meaningful communication is unfair, abusive, and possibly illegal. I request the CFPB to intervene and hold Square accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXXXXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I mailed Equifax a certified letter containing : A written dispute requesting the blocking of fraudulent accounts under the Fair Credit Reporting Act ( FCRA ) 605B. An FTC Identity Theft Affidavit. Tracking confirms Equifax received my letter on XX/XX/year>. As of XX/XX/year>, Equifax has neither blocked the fraudulent accounts, initiated an investigation, nor provided any acknowledgment or update on my request. Under FCRA 605B, a consumer reporting agency must block the reporting of information that results from identity theft within 4 business days of receiving the required documentation. Equifax failure to take any action violates my rights under the FCRA.

Supporting Documents : Copy of certified mail receipt and tracking proof of delivery.

Copy of dispute letter sent to XXXX.

Copy of FTC Identity Theft Affidavit. 
Copy of Drivers License and SSN Card Copy of Utility Bill for proof of residence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Dispute of Unauthored XXXX Debt with XXXX XXXX XXXX and True Accord I am writing to dispute a debt of {$690.00} associated with a XXXX account, which your company claims I owe. I recently received a credit alert from XXXX XXXX stating that my credit score had dropped due to this outstanding debt. However, I have never had a XXXX account, and upon investigation, I discovered that the account was opened in 2019 under my name at my ex-fianc 's address in XXXX XXXXXXXX, California. 
After speaking with my ex-fianc, he admitted to spitefully setting up the account in my name without my knowledge or consent. I never authorized this account, nor did I use or benefit from the service. I had been paying for our XXXX cable and internet during our relationship, and I see no reason why I would have taken out an additional service. 
I have spoken with your company, and I was informed that I am still responsible for paying the debt. However, I strongly dispute this claim, as I am the victim of identity theft and abuse. My ex-fianc has refused to take responsibility for his actions and make payments. I am struggling financially and can not afford to pay for a debt that I did not incur. 
I am willing to cooperate with your company to resolve this matter and clear my name. If necessary, I am prepared to file a police report to document the identity theft and abuse. I request that you take immediate action to remove this debt from my credit report and cancel any collections activity. 
Please contact me at XXXX or at the address below to discuss this matter further. 
Also, this alleged debt Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX of social : XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSSN:XXXX XXXX XXXXXXXXExperianXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLCXXXX XXXX,GAXXXXTransUnion Consumer Solutions\XXXX XXXX XXXX PA XXXX looked at my credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate and came back verified. Under the Fair Credit Reporting Act (FCRA)  611(a)(6)(B)(iii), I am exercising my right to request the **method of verification** used to determine that the accounts are accurate. Under Section 609 (15 U.S.C.  1681g), I am requesting a full disclosure of the information\ncontained in my consumer file, including the source of the information and a summary of how it was\nverified. Please provide the name, address, and contact details of the data furnisher that reported\nthese items.\nUnder Section 611 (15 U.S.C.  1681i), I dispute the accuracy of the following accounts and request\na reinvestigation And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681(e)(b).\n\nAnd according to 15 USC 1681 5 they are suppose to do this (5) Treatment of inaccurate or unverifiable information\n(A)In generallf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall\n(i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\nThese are following accounts that need to be investigated accurately 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 non-monetary relief
Consumer complaint received 2025-08-14 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: OH

Complaint narrative:
On or about XX/XX/year>, I paid and resolved the Sezzle account ( CESL ) through XXXX in a settlement agreement. The collection agency removed their tradeline, but CESL ( the original creditor ) continues to report inaccurate and unverifiable information to the credit bureaus. 

The XXXX  and XXXX  credit reports show multiple XXXX XXXX, FCRA, and Truth in Lending Act violations, including but not limited to : Missing Date of First Delinquency ( DOFD ) in violation of Metro 2 Field 25 and FCRA 623 ( a ) ( 5 ).

Improper payment history showing Charge-Off after account resolution, which is factually inaccurate and misleading. 

Re-aging indicators where payment history dates do not match actual delinquency and resolution timeline. 

Missing or incorrect Scheduled Monthly Payment Amount ( XXXX XXXX Field XXXX ). 

Incorrect account type classification and missing term duration details. 

I have disputed this directly with the credit bureaus and CESL, providing supporting documentation, but CESL has failed to either verify the tradeline with accurate documentation or remove the inaccurate account. Their continued reporting is willfully noncompliant and damaging to my credit profile. 

Due to these violations and the failure to provide the requested supporting documents ( original signed agreement, itemized accounting, and proof of legal right to report after settlement ), the only acceptable resolution is permanent deletion of the tradeline from all credit reporting agencies.

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

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Applied and accepted a debt consolidation loan to pay off two credit cards, one being a XXXX store card that is backed by Synchrony. My bank sent a cashiers check on XX/XX/XXXX to synchrony bank for {$3600.00}, the check was deposited and cleared on XXXX ( as verified by my bank with images on front and back with the tracing number ). I called Synchrony on XX/XX/XXXX to speak with someone, the agent told me there is no deposit and I had to either mail them copies of the images or to fax them. After explaining how ridiculous that is, they then informed me, I could upload them in my messages portal, to which I did. Checking on XX/XX/XXXX, they have not responded nor updated the account. 

One odd thing that the representative mentioned, was prior to telling them that the bank was sending them a cashiers check on my behalf, she informed me, they had still not received the cashiers check from my bank, I asked her how she know that's how the payment was sent, and she informed me to file a dispute on the account.

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 monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$37000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$220.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please consider removing this late payment from my account, as my history proves I am a timely and dependable payer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont recognize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: NJ

Complaint narrative:
Edfinancial Services is reporting my federal student loan to XXXX, XXXX, and XXXX  without my express consent and without providing me notice of my right to opt-out, as required by the Gramm-Leach-Bliley Act ( 15 USC 6802 ( b ) ). On 08/12/2025, they responded to my request stating I can not opt out of being reported, which is a misinterpretation of the law.

This constitutes : Violation of the Fair Credit Reporting Act ( 15 USC 1681b ) by furnishing my consumer information to third parties without a permissible purpose or written consent.

Violation of the Gramm-Leach-Bliley Act ( 15 USC 6802 ( b ) ) by failing to give me clear and conspicuous notice of my opt-out rights before sharing nonpublic personal information.

Willful noncompliance under 15 USC 1681n by refusing to remove my information after my lawful request.

Company response to consumer: Closed with explanation