vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX of XXXX  I cancelled both the XXXXXXXX XXXX XXXX  American Express cards for reasons I won't go into here. They were cut up and mailed back to the company with a letter explaining the reasons I would no longer use or accept Am Ex in my business. I was sent email confirmation of the XXXX XXXX  cancellation in XXXX of XXXX and the XXXX card cancellation came in XXXX of XXXX. Since then I have received 12 demands for payment ( about two a month ) of annual fees I do NOT owe on these cancelled cards. I have called on a monthly basis and been 'assured ' both cards are cancelled and no more bills will be received. I even filed a complaint in XXXX. But my requests for written proofs other than what I have already received have gone unanswered and I'm still getting bills! Moreover, I just looked at my credit report and they are still reporting these as active cards! 

I need this fixed. It is negatively impacting my credit and annoying me when I'm already under a great deal of personal and professional stress. They do NOT have a right to harass me in this fashion. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent.

NEGATIVE MARK / ACCOUNT NUMBER XXXX XXXX XXXXXX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app working with my stocks and bonds funneling them through assets in cryptocurrency. 
Creating companies and 0 laundering money through XXXX XXXX benefits and XXXX  inheritance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Theyre trying to get money for accounts that are already being taken care of yet their providing information that these three accounts are to be paid by me get none of the account numbers reflect the accounts I have so they are a debt collector trying to get money for the stuff that Im already taken care of But I enclosed the accounts and none of the numbers match my accounts at all. I think that that collectors bought my information from these people which is illegal and I want them taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to my credit report the account was closed and charged off but the was updated on my report XX/XX/year>. I did not receive any 1099-c for my taxes records and according to 15 U.S.C. 1635 and 15 U.S.C. 1692g thats illegal. According to 15 U.S.C. 1681h I am entitled to a compensation by the consumer reporting agency or whichever is greater.

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 2025-08-08 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-08 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: MI

Complaint narrative:
I am filing this complaint against [ TransUnion / Experian ] for failing to remove inaccurate and unverifiable information from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ).

The following items remain on my report despite proof they are inaccurate/unverifiable : XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXeporting as a repossession/voluntary surrender with a past-due balance of {$29000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. 
Reason for Dispute XXXX XXXX one of the three nationwide consumer reporting agencies, has already deleted these items from my credit file after conducting its reinvestigation. 
This shows these items are either inaccurate, incomplete, or unverifiable. 
Under the FCRA, if an account can not be verified, it must be deleted from the consumer 's file. 
The continued reporting by [ TransUnion XXXX Experian ] is causing financial harm and is not in compliance with the law. 

I have also included my three reports from the three credit burals

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 2025-08-08 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: MN

Complaint narrative:
The account listed as XXXX, account ending in XXXX, showing as a charge-off/collection on my credit report. This account is reported incorrectly and incompletely, and Im asking that it be deleted from my credit file. The Date of First Delinquency is missing. This date is required by law ( FCRA 623 ( a ) ( 5 ) ) for negative accounts, and without it, the account can not be verified or reported correctly. The account details are inconsistent across the credit bureaus loan type, months reviewed, and dates of last activity do not match. If the bureaus and furnisher cant even agree on the basic facts, the data is not reliable.

Because the account is both incomplete and inaccurate, it fails to meet the FCRAs standards for reporting. If the DOFD and other key facts cant be verified with documented proof from the original creditor, this account must be removed entirely, not just updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-08 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: CA

Complaint narrative:
I WAS NEVER LATE ON THESE ACCOUNTS AND I HAVE THE PROOF FROM CREDITORS SHOWING THAT, I HOPE THIS SITUATION GETS RESOLVED AND I GET MY SOLUTION.

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX through XXXX in XX/XX/XXXX. By XX/XX/XXXX, the vehicle began to fail. It experienced major mechanical issues including a flashing engine light, failed ignition coils, spark plug issues, valve cover gasket leakage, and a worn engine belt. These were confirmed by XXXX XXXX XXXX on XX/XX/XXXXXXXX  with a total repair estimate of {$1800.00}. I paid {$500.00} out of pocket for a warranty-covered repair. 

Despite this, the vehicle broke down again the same day I picked it up. I was left stranded on the side of the road while 45 months pregnant, and I had to walk to my mothers house. The car was not safe to operate, and I immediately contacted the lender to have the vehicle picked up. This was in XX/XX/XXXX, but the vehicle was not repossessed until XXXX XXXX more than 7 months later. 

XXXX  is now reporting this account as a charge-off with a balance of {$15000.00}. This is inaccurate and unfair, considering : I voluntarily surrendered the car months prior to repossession. 
The repair failed, despite my best efforts to fix the vehicle. 
The car was clearly defective when sold, as confirmed by a certified repair shop. 
The delay in repossession inflated the reported balance and made the payment history appear worse than it should. 

I am requesting this account either be removed entirely from my credit report or updated to reflect : A voluntary surrender of a defective vehicle A corrected balance Accurate payment reporting This situation caused physical, emotional, and financial distress while I was pregnant, and I believe the charge-off and reporting practices violate fair credit reporting and lending standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, AMSHER Collection Serv placed a new collection account for {$2200.00} on my XXXX  credit report. On XX/XX/year>, I filed a dispute with XXXX  regarding the accuracy of this account. While my dispute was still open and under investigation, AMSHER updated the account on XX/XX/year>. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 3 ) and 623 ( a ) ( 1 ) ( A ), which prohibit furnishers from updating or furnishing disputed information in a way that is inaccurate or misleading during an active dispute. Updating the account during the investigation is materially misleading and harms my credit standing.

I am requesting immediate deletion of this account from XXXX, XXXX, and XXXX, and written confirmation that AMSHER will cease all reporting of this account. 

Attached are : 1. Proof of the initial XX/XX/year> reporting. 
2. Proof of my dispute filing on XX/XX/year>. 
3. Proof of the XX/XX/year> update while the dispute was still active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: OH

Complaint narrative:
Ascension Point Recovery Solutions attempted to collect a debt that my deceased mother owed. I dont know which credit cards she had, I was not responsible for her finances nor her estate. I just lost my mother a few months ago. These people are despicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-08 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: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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