vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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 am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
1. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Please remove it 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 2025-12-23 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:
I have no affiliation with the listed accounts and request their removal within the required XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to be taken by the ambulance to the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never got a bill for the ambulance and I thought it had been wrote off XXXX XXXX XXXX wrote my medical bill off. Maybe a year later I started receiving phone calls from debt collectors multiple times a day about paying this. I had every intention of paying it however it was multiple companies calling. And every time Id ask for information they couldnt give me any. I had no clue which of the 4 or 5 different companies to actually pay this debt. It was only XXXX and it has killed my credit. I tried to dispute it with the credit bureau and they said it was a valid debt but couldnt give me information. I guess if the debts been sold to 10 creditors how can it still kill my credit for years under the original ambulance company. Then I bought a vehicle that turned out to be terrible and an insane rate bc of my credit and they somehow gave my phone number out to every extended warranty place. Its so bad between the creditors and warranty companies I hate picking my phone up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citibank has been neglectful in repairing this problem for months now. If you look before any of this happened, l would pay my bill a week or two ahead. This company blocked me from looking at my account much less paying my bill. In fact, the block was only removed after default and my card was restricted. I sent many correspondences to this company with 0 help. I have screenshots and phone recordings for months on this matter. I have been bounced around and mistreated, hung up on, never given the right person to fix this. This is no way to treat a customer, this is no way for a business to act. I tried to compromise with 0 results. I never want to use Citibank or Best Buy again on they're lack of customer service

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 2025-12-23 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:
Would you mind reviewing this? Its late and error-prone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
TYPE OF ACCOUNT : Paid Account/Late Payments Please investigate that every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
Please verify all information reported on my late payment history. If the late payment is reporting incorrect, please remove item from this account and update account as paid as agreed Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-12-23 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information appearing on my credit report. These items are being reported without proper investigation or documentation, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX I have no knowledge of this address, and it has never belonged to me. 
Reporting incorrect personal information violates FCRA 1681e ( b ).

Failure to delete unverifiable personal data violates FCRA 1681i ( a ) ( 1 ).

Demand : Immediate deletion of this address. 

XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX I do not recognize this address, and it is not associated with me in any way. 
Inaccurate address reporting violates FCRA 1681e ( b ).

Continued reporting after dispute violates FCRA 1681i ( a ) ( 5 ).

Demand : Delete this address from my credit file immediately. 

XXXX XXXX  XXXX Acct # XXXX High Balance : {$600.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no knowledge of this account, and it does not belong to me.

Reporting an unverified charge-off violates FCRA 1681e ( b ).

Failure to conduct a reasonable reinvestigation violates FCRA 1681i ( a ).

Furnisher accuracy duties violated under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Demand : Immediate deletion of this account. 

XXXX CARD Acct # XXXX High Balance : {$5400.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no contractual relationship with this account and no knowledge of it.

Inaccurate and unverifiable reporting violates FCRA 1681e ( b ).

Continued reporting of disputed information violates FCRA 1681i ( a ).

Demand : Delete this charge-off account immediately. 

XXXX XXXX Acct # XXXX High Balance : {$7300.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The late payment history is inaccurate and misleading. 
Reporting inaccurate payment history violates FCRA 1681e ( b ).

Failure to correct disputed inaccuracies violates FCRA 1681i ( a ).

Furnishers must update inaccurate data under FCRA 1681s-2 ( a ) ( 2 ).

Demand : Correct and update the late payment history accurately. 

XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$2100.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no knowledge of this collection account, and it has not been properly verified.

Reporting an unverified collection violates FCRA 1681e ( b ).

Failure to delete unverifiable information violates FCRA 1681i ( a ) ( 5 ) ( A ).

Demand : Immediate deletion of this collection account. 

I request immediate reinvestigation or deletion of all inaccurate and unverifiable items listed above.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-12-23 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: FL

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-23 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent dispute demand debt validation verification with a sign contract for XXXX accounts at the same collection agency XXXX XXXX XXXX XXXXXXXX XXXX They never provided all thing that requested so i sent XXXX letter XX/XX/year> and still I did not receive what I requested However Experian on XXXX XXXX XXXX delete one of those account and XXXX account was deleted on XX/XX/year>. But Transunion and XXXX  are still reporting them after I had brought it to their attention. so those accounts removed from Experian after I disputed them, But the other two bureaus have not which is negative affect me as I a XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account XXXX also XXXX XXXXXXXX XXXX XXXX is updated Transunion but not on experian nor XXXX after disputed it with all 3 bureaus

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 2025-12-23 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: VA

Complaint narrative:
Subject : Formal Complaint against Equifax for Violation of FCRA XXXX XXXX ( b ) Consumer Information : Name : XXXX A. XXXX Address : XXXX XXXX Ct XXXX XXXX XXXX, XXXX, VA XXXX Company Being Reported : Company Name : Equifax Information Services, XXXX Issue : Incorrect Credit Reporting / Failure to maintain accurate procedures Complaint Narrative : I am writing to file a formal complaint against Equifax for a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the " maximum possible accuracy '' of the information they report. 
The Facts : Statement Evidence : My XXXX XXXX Bank statement for the period ending XX/XX/year>, explicitly shows a " New Balance '' of {$0.00}. I made a full payment of {$190.00} on XX/XX/year>, which cleared the account. 
Equifax XXXX : Despite my account having a XXXX balance, Equifax reported on XX/XX/year>, that my balance " increased by {$110.00} from {$0.00} to {$110.00}. '' Damages : This inaccurate reporting caused my " Credit Card Usage '' factor to drop from " Excellent '' to " XXXX, '' resulting in an immediate and unjustified XXXX drop in my credit score ( from XXXX to XXXX ). 
The Violation : XXXX systems failed to capture the actual status of the account as reflected on the legal billing statement. By reporting a {$110.00} balance when the statement of record shows {$0.00}, Equifax has published false information that negatively impacts my creditworthiness. 
Requested Action : I request that the FTC investigate Equifaxs reporting procedures regarding XXXX XXXX Bank accounts. I demand that Equifax be compelled to : Correct the balance to {$0.00} as of the XX/XX/year>, reporting period. 
Restore the XXXX points lost due to this reporting error. 
Update my credit usage factor back to " Excellent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
* * COLLECTION THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

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 2025-12-23 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: MD

Complaint narrative:
My sister sent me XXXX because I had no food. My loan with XXXX was not due but I paid something on it any way XXXX took automatically XXXX of the money sent. My sister asked me what happened she is in a wheelchair sick and just lost her husband XXXX months ago after being ver very sick. I am awaiting XXXX refunds but the one for XXXX was sent back to them after days of waiting for the XXXX to be posted. After I communicated with Cash App support. My money was sent back and I was emailed by CashApp get your money from XXXX. Why was it sent back I have a XXXX balance until XX/XX/year>. I called XXXX told the rep what happened. No resolution. I can not even buy eggs XXXX balance. I am also awaiting a refund from them for XXXX XXXX order which I canceled with XXXX XXXX for XXXX before my order was scheduled to be picked up this past XXXX. Please help me.

Company response to consumer: Closed with explanation