vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report 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 2025-11-19 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: MS

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have already made a complaint on XX/XX/XXXX and i still havent heard anything back. I had accidentally sent a random person on cashapp XXXX dollars and i have tried everything possible with cashapp and they have denied my request. I really was hoping to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 am disputing a XXXX XXXX XXXX ( XXXX ) collection account that is being reported inaccurately across XXXX XXXX XXXX  TransUnion, and none of the XXXX bureaus nor XXXX have provided any proper validation of the debt. 

I disputed this account with all three bureaus. At no point did XXXX send me any documentation proving the account is validno lease, no signed agreement, no itemization, no proof of assignment or legal ownership of the debt. 

XXXX XXXX XXXX TransUnion all processed my disputes but did not provide any actual validation from XXXX. Instead, they marked the account as verified even though no supporting documents exist. 

Additionally, both XXXX and TransUnion updated dates and fields that were not related to my dispute. Updating dates after a dispute without validation is considered re-aging, which violates the Fair Credit Reporting Act ( FCRA ) and XXXX reporting standards. This demonstrates that no reasonable reinvestigation was performed, which violates FCRA 1681i. 

XXXX also processed my dispute without providing any validation from XXXX, which means XXXX also failed to conduct a proper investigation under the FCRA. 

XXXX continues furnishing information that has never been validated and is causing inaccurate reporting across all three bureaus. All three bureaus failed to obtain proper documentation and failed to provide it to me as the consumer. 

I am requesting CFPB intervention due to these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
My account with EQUIFAX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: KS

Complaint narrative:
I am submitting this complaint because of reporting multiple accounts with payment histories that are inaccurate, inconsistent, and conflicting with the information being reported by the other credit bureaus, which violates the accuracy and fairness requirements under the Fair Credit Reporting Act. My TransUnion credit file reflects incorrect late payments across several accounts, including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$27000.00} ), which TransUnion is reporting with a XXXX late for XX/XX/XXXX that does not match the other bureaus ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$36000.00} ), which shows XXXX lates from XX/XX/XXXX through XX/XX/XXXX, another XXXX late for XX/XX/XXXX, and XXXX additional XXXX lates for XX/XX/XXXX that are not being reported the same way by the other bureaus ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balances {$10000.00} and {$17000.00} ), both showing a XXXX late for XX/XX/XXXX even though these lates are not reflected on the other credit reports ; my XXXX XXXX XXXX XXXX XXXX XXXX Balances {$12000.00} and {$5300.00} ), which TransUnion lists with various XXXX and XXXX late payments for dates such as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that do not align with reporting elsewhere ; and finally, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3700.00} ), which TransUnion shows with a XXXX late for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX although these entries are not present in my Experian file. These conflicting and unverified late payments harm my credit standing and represent a direct failure to maintain accuracy as required under FCRA 602, proper dispute handling under FCRA 611, and furnishers duties to update and correct information under FCRA 623 ( a ) ( 2 ) and 623 ( b ). I have already attempted to dispute these inaccuracies directly with the bureau, but the items have continued to remain inconsistent and uncorrected, leaving my credit file materially inaccurate and damaging.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: KS

Complaint narrative:
I am submitting this complaint because of reporting multiple accounts with payment histories that are inaccurate, inconsistent, and conflicting with the information being reported by the other credit bureaus, which violates the accuracy and fairness requirements under the Fair Credit Reporting Act. My TransUnion credit file reflects incorrect late payments across several accounts, including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$27000.00} ), which TransUnion is reporting with a XXXX late for XX/XX/XXXX that does not match the other bureaus ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$36000.00} ), which shows XXXX lates from XX/XX/XXXX through XX/XX/XXXX, another XXXX late for XX/XX/XXXX, and XXXX additional XXXX lates for XX/XX/XXXX that are not being reported the same way by the other bureaus ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balances {$10000.00} and {$17000.00} ), both showing a XXXX late for XX/XX/XXXX even though these lates are not reflected on the other credit reports ; my XXXX XXXX XXXX XXXX XXXX XXXX Balances {$12000.00} and {$5300.00} ), which TransUnion lists with various XXXX and XXXX late payments for dates such as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that do not align with reporting elsewhere ; and finally, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3700.00} ), which TransUnion shows with a XXXX late for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX although these entries are not present in my Experian file. These conflicting and unverified late payments harm my credit standing and represent a direct failure to maintain accuracy as required under FCRA 602, proper dispute handling under FCRA 611, and furnishers duties to update and correct information under FCRA 623 ( a ) ( 2 ) and 623 ( b ). I have already attempted to dispute these inaccuracies directly with the bureau, but the items have continued to remain inconsistent and uncorrected, leaving my credit file materially inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

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

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

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

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
XXXXEQUIFAX\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Account Blocking and Deletion Due to Data Breach XXXXDear EQUIFAX Team,XXXXI am writing to formally request the blocking and deletion of all accounts associated \nwith my personal information due to the recent data breach. XXXXAccounts in Question: 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 XXXXAddresses: 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSocial Security NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis request is made in accordance with several provisions of the Fair Credit Reporting \nAct (FCRA): XXXX XXXXXXXX XXXX15 USC  1681c-2(a)XXXX This statute requires consumer reporting agencies to XXXXblock information resulting from identity theft. I request that all accounts fraudulently XXXXopened in my name be blocked immediately. XXXX XXXX15 USC  1681iXXXX Under this section, I am entitled to dispute and request the XXXXdeletion of any inaccurate or unverifiable information on my credit report. Please XXXXinvestigate and delete any such information linked to this breach. XXXX XXXX15 USC  1681e(b)XXXX  This provision mandates that consumer reporting XXXXagencies maintain reasonable procedures to ensure the accuracy of information. Given XXXXthe breach, I request a thorough review of my credit report to identify and rectify any XXXXinaccuracies. XXXX XXXX15 USC  1681g(a)XXXX I request access to my complete consumer report, as I \nhave the right to understand what information is being reported and to identify potential XXXXinaccuracies resulting from this breach. XXXX XXXX15 USC  1681mXXXX: As required by this statute, please ensure that any XXXXnegative information resulting from the breach is not reported inappropriately. XXXX XXXX15 USC  1681XXXX I reserve the right to seek damages for any violations of \nthe FCRA resulting from this breach, should you fail to comply with my requests. XXXX XXXXPlease confirm the receipt of this letter and provide written confirmation of the actions XXXXtaken regarding my accounts. XXXX XXXXAdditionally, I would appreciate an update on any measures you are implementing to XXXXprotect my personal information. \XXXX XXXXThank you for your prompt attention to this matter. I look forward to your immediate XXXXresponse in XXXX days! XXXX XXXXSincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: KS

Complaint narrative:
I am submitting this complaint because of reporting multiple accounts with payment histories that are inaccurate, inconsistent, and conflicting with the information being reported by the other credit bureaus, which violates the accuracy and fairness requirements under the Fair Credit Reporting Act. My TransUnion credit file reflects incorrect late payments across several accounts, including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$27000.00} ), which TransUnion is reporting with a XXXX late for XX/XX/XXXX that does not match the other bureaus ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$36000.00} ), which shows XXXX lates from XX/XX/XXXX through XX/XX/XXXX, another XXXX late for XX/XX/XXXX, and XXXX additional XXXX lates for XX/XX/XXXX that are not being reported the same way by the other bureaus ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balances {$10000.00} and {$17000.00} ), both showing a XXXX late for XX/XX/XXXX even though these lates are not reflected on the other credit reports ; my XXXX XXXX XXXX XXXX XXXX XXXX Balances {$12000.00} and {$5300.00} ), which TransUnion lists with various XXXX and XXXX late payments for dates such as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that do not align with reporting elsewhere ; and finally, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3700.00} ), which TransUnion shows with a XXXX late for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX although these entries are not present in my Experian file. These conflicting and unverified late payments harm my credit standing and represent a direct failure to maintain accuracy as required under FCRA 602, proper dispute handling under FCRA 611, and furnishers duties to update and correct information under FCRA 623 ( a ) ( 2 ) and 623 ( b ). I have already attempted to dispute these inaccuracies directly with the bureau, but the items have continued to remain inconsistent and uncorrected, leaving my credit file materially inaccurate and damaging.

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