vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
To : TRANSUNION Re : Formal Dispute of Charge-Off Account Reporting Dear TRANSUNION, I am writing to formally dispute the reporting of charge-off accounts appearing on my credit file. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The following charge-off account ( s ) require immediate investigation : XXXXXXXX XXXX  Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX  XXXX Acct # XXXX Reporting Issue : Improper charge-off reporting Under the FCRA : Credit bureaus must ensure maximum possible accuracy of credit files ( 1681e ( b ) ).

If a consumer disputes an entry, a reasonable reinvestigation must be completed within 30 days ( 1681i ).

Any information that can not be verified must be deleted or corrected immediately ( 1681i ( a ) ( 5 ) ).

Regarding Charge-Off Reporting : A charge-off is considered a one-time accounting action by the creditor. Continuous or duplicate reporting of a charge-off by multiple agencies may constitute inaccurate or misleading reporting under the FCRA.

Accounts that are sold, settled, or beyond the statute of limitations must not continue to be reported as active charge-offs.

Under the FDCPA ( if a debt collector is involved ) : Collectors must provide validation of the debt upon request ( 1692g ).

Continuing to report or attempt to collect on a disputed, unverified, or obsolete charge-off violates 1692e ( false/misleading representations ) and 1692f ( unfair practices ).

Accordingly, I demand that you : 1. Investigate and verify the legitimacy of the charge-off reporting.

2. Provide complete validation of the alleged debt, including original creditor, balance calculations, and documentation supporting the charge-off status.

3. Delete or correct any charge-off accounts that are inaccurate, unverified, obsolete, duplicated, or improperly reported.

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, as well as the pursuit of all available legal remedies.

This notice is sent in good faith and with the expectation that you will honor my rights under federal law. 

Sincerely, 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 2025-08-25 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: MI

Complaint narrative:
im trying to buy a house i realize i had damaging on my credit report. according to 15 u.s.c 1681 it should not be no damaging on. my credit report its a defamation of character

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 2025-08-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  is hard inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  is hard inquiries on my credit report that I did not authorize

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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have been telling affirm that everything I purchased I cleared the balance and paid for I am a victim of breached information which I changed account numbers and even my phone numbers I have had loans in my name previously and had accounts fraudulent open online between now and previous years this has impacted my credit report so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of collections from multiple debt collecting LLCs & Associations.This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency Transunion. 
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of collections from multiple debt collecting LLCs & Associations.This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency Transunion. 
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion Reporting Agency , block any information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in an account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account collections are the result of identity theft and fraud.

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 2025-08-24 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Cease and Desist / Dispute of Unauthorized Credit Inquiries From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Santander Consumer USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute & Cease and Desist Removal of Unauthorized Credit Inquiries To Whom It May Concern, This letter serves as my formal dispute and cease-and-desist request regarding unauthorized and negative credit inquiries currently being reported on my consumer credit file.

The disputed inquiry is as follows : Creditor/Business : Santander Consumer USA Business Type : Finance Companies Non-Specific Inquiry Date to Be Removed : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX I did not authorize this inquiry, nor was any written consent or permissible purpose provided as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The continued reporting of this inquiry is inaccurate, misleading, and damaging to my credit profile.

DEMANDS Immediate Removal Permanently delete this unauthorized inquiry from my credit file.

Verification of Authorization Provide documented proof that I granted written authorization for this inquiry. If no such proof exists, the inquiry must be deleted immediately.

Cease and Desist Santander Consumer USA, and any other entity reporting unauthorized inquiries, are hereby directed to cease and desist from making or reporting inquiries without my express written consent.

Written Confirmation Provide written confirmation that this inquiry has been removed and that no further unauthorized inquiries will be made in my name.

NOTICE Failure to comply will constitute willful noncompliance with the FCRA. If this matter is not resolved within 30 days, I will escalate by filing complaints with the FTC, state regulators, and may pursue civil damages under federal law.

I expect written confirmation of removal and compliance within the time allowed by law.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
There is a website that handles mental health and rights medications and when I looked on my XXXX I noticed that I had been charged several times from this company and I called and spoke with them they refunded two months and stated that there was nothing that was ever prescribed to me because I never even authorized anything. I never spoke to a doctor and so I disputed the claim with Wells Fargo because there were six charges on there and there is absolutely a way to tell if anything was received because they would have the record of a pharmacist but there isn't well well Wells Fargo gave me a provisional credit I suppose and then about 2 weeks later it was all taken back and said they didn't have enough information as to if the service occurred. This is one of those where they can absolutely check and see that this service was never obtained they refunded two months because they looked and saw themselves that they never did anything for me but being I never authorized anything I don't feel I should have to pay for any of this as it was fraudulent and now I'm not sure what to do to try to get the money back. Please help it's XXXX a month charged 7 months and I don't even use XXXX so I never logged in to look until I saw the one day the one month and decided to see so that is {$700.00} I am out of now.

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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
To whom it may concern, my email and phone number does not allow me to log into cash app and ask for customer support. 

I am currently banned on cash app and I am hoping I can appeal this or at least be given a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: PR

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code S 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. Below are the accounts I am requesting to be reinvestigated : Experian XXXX. Name : XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX Equifax XXXX XXXX Name : XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX TransUnion XXXX. XXXX Account : XXXX XXXX. XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL HAS A XXXX BALANCE. I NEED AN ACCOUNTING IF ANYTHING MORE IS OWED ON THIS VEHICLE LEASE. IF THE ACCOUNT IS FINALIZED, THIS PLEASE LET ME KNOW EITHER WAY IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
They report late payments on my credit report without following the procedures for the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
They report late payments on my credit report without following the procedures for 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 2025-08-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current
State: NH

Complaint narrative:
I made purchse item not received XXXX  reshipmet but was lostXXXX a ] pproved refund current refu @ sing to refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
On Friday, XX/XX/XXXX, we contacted Sunlight Financial about the incorrect assessment of late fees in the amount of {$25.00} for a balance owed for XXXX cents on our solar account. Additionally, Sunlight Financial also reported to XXXX Credit Agency that our account was 30-days late because of the XXXX cents that was owed. Our credit reports have since, experienced a XXXX point decrease from our over XXXX. credit rating. 

We were not contacted about the fact that we owed XXXX cents and find the fact that Sunlight would spend the administrative time to charge late fees, as well as contact the credit bureau over a mere XXXX cents, incredulous. The actions taken by Sunlight do not accurately reflect the upstanding professional reputation and fair treatment of valued customers that we believed existed when we opened our account.

Our account with Sunlight Financial was originally opened In XX/XX/XXXX. We have never had any late payments and based upon our positive payment history, find the assessments and negative credit reporting to be excessive and unfair treatment by the company we have held in high esteem for nearly three years!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IN

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-08-24 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:
I was trying to buy a house but then i was told i have some damages to my account in according to law 15. U.S.C 1681 law there shouldnt be any damaging on my report. Is so heart breaking cause rent in the economy has went it up so bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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 was trying to buy a house but then i was told i have some damages to my account in according to law 15. U.S.C 1681 law there shouldnt be any damaging on my report. Is so heart breaking cause rent in the economy has went it up so bad.

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