vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of two dismissed XXXX XXXX bankruptcy filings on my consumer credit reports with Experian, Equifax, and TransUnion. 

The bankruptcies being reported are : XXXX XXXX Bankruptcy Filed XX/XX/year> DISMISSED Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX Bankruptcy Filed XX/XX/year> DISMISSED Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( XXXX ) Neither of these cases resulted in a confirmed plan, a discharge, or any form of bankruptcy relief. Both cases were dismissed, and I did not proceed through bankruptcy in either instance. 

Despite this, the credit reporting agencies continue to list these filings in a manner that is misleading to creditors and does not reflect the true legal outcome of the cases. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting dismissed bankruptcy filings in a way that implies an adjudicated bankruptcy or completed bankruptcy proceeding is inaccurate and misleading.

Additionally, under 15 U.S.C. 1681c ( a ), only accurate public record information may be reported. A dismissed bankruptcy does not adjudicate debts, provide relief, or resolve creditor claims, and therefore should not be reported in a manner that suggests otherwise. 

The continued reporting of multiple dismissed filings without proper clarification creates a false impression of bankruptcy relief and materially harms my credit profile. If the reporting agencies can not produce certified court documentation showing that this information is being reported accurately, completely, and in compliance with the FCRA, the entries must be removed. 

Resolution Requested I am requesting that : Both dismissed XXXX  XXXX bankruptcy entries be deleted from my credit reports with Experian, Equifax, and TransUnion ; and The credit reporting agencies ensure that any public record information reported complies fully with the accuracy and non-misleading requirements of the Fair Credit Reporting Act.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-16 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:
The record isnt telling the full story of my financial activity. Id appreciate a proper review and correction.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/2025 XXXX i was scammed by a guy that posed as a XXXX donation company he made me donate XXXX XXXX to his cashapp then blocked my number and cashapp then disappeared. I contacted cashapp to see if i can be credited my money back but they said its a chance i dont get my money back. I was wrongfully scammed by someone and think i should be able to receive my money back. Even in the notes of the cashapp transaction it says donating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I disputed a collection tradeline on my Equifax and Experian credit reports in XX/XX/scrub>XXXX XXXX The tradeline is reported by a collection agency for a roofing XXXX and shows a balance of approximately {$1800.00}. 

My dispute was that the balance is inaccurate because it includes charges for specific billed items that were not performed/provided ( gutter detach/reset, satellite dish reinstall/alignment/calibration, and ridge-cap materials billed beyond what was purchased/installed ). I submitted supporting documentation within Equifaxs and Experian 's upload limits, including the contract/estimate line items, photo evidence, and third-party documentation ( purchase order and manufacturer coverage information ) supporting the inaccuracy. 

Equifaxs and Experian 's reinvestigation results stated that the furnisher/creditor verified the balance as reported and Equifax/Experian did not delete or correct the balance. Equifax and Experian modified only administrative fields ( such as status/balance dates ) and added a generic dispute notation ( consumer disputes this account information ), but the inaccurate balance remained unchanged. 

I am requesting that Equifax and Experian conduct a reasonable reinvestigation that actually evaluates the documentation submitted rather than relying on a furnishers conclusory certification, and that Equifax and Experian delete the tradeline as inaccurate/unverifiable or correct the balance to remove charges for unperformed work/materials. 

I am also requesting a description of the procedures Equifax and Experian used to verify this disputed information ( method of verification ), including what was reviewed and who was contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I, XXXX XXXX, and my wife, XXXX XXXX had to break a lease agreement with an apartment in XXXX Florida. The XXXX XXXX was The XXXX at XXXX XXXX. The debt collector is XXXX XXXX. When we were leaving the apartments, we requested an invoice for amount owed for breaking the lease. We gave them the adress we would be at, and they said that would be where they would send the invoice. We also cleaned the apartment ahead of leaving, and signed a paper saying we were vacating on the property on XX/XX/XXXX. ( So before XX/XX/XXXX ). Not only did we never receive an invoice for amount owed ( they said they could not print XXXX that day ) but we were charged for several items that were not accurate to the situation. It was sent to collections, and the following assertions were incorrect. 

XXXX ) The documents provided from the debt collector do not include the paperwork we filled out at the start of our lease describing existing damage to the apartment. We were charged for multiple items such as carpet and damaged appliances, that were damaged before us moving in. There are photos of garbage in the apartment that was not there when we moved out. The apartment was not willing to do a walk-through before us leaving. 
XXXX ) We were also charged for an electronic gate opener, which they were not able to ever provide ( their excuse was they were working on getting more and to just be patient. ) This is also clear in the copy of the lease, where the section for what keys etc would be provided. The space for gate opener was left black because we never received one.

3 ) The timeframe was also incorrect in that we had moved out on the XXXX of XXXX, and they are claiming we moved out on the 1st. This affects the amount of extra rent we were responsible for and were told by property staff ( who were aware we needed to break the lease ) to make sure to be out by the 31st to not incur more expenses.

In conclusion, the original creditor is missing several documents that we signed that would have made the debt owed different, and several things were added fraudulently in my opinion. We were trying to pay the amount before things were sent to collections, but we never received the requested invoice or any attempt to collect the debt prior to it being sent to collections. This has caused our family great difficulty in finding living arrangements do to this being on our credit. I have disputed this multiple times, but still receive the incorrect and incomplete information. I am reaching out because I believe this to be intentionally predatory on our situation. We were never trying to avoid paying what was legitimately owed, and feel the original debtor did several things knowingly incorrect. The leasing agent we dealt with at the apartments was named XXXX XXXX, if that is important.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-12-16 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-16 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am writing to request that the credit freeze currently placed on my credit file be temporarily lifted/ permanently removed for all purposes. This request applies to my accounts with your credit bureau. 

Personal Information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas 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 2025-12-16 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:
I am writing to request that the credit freeze currently placed on my credit file be temporarily lifted/ permanently removed for all purposes. This request applies to my accounts with your credit bureau. 

Personal Information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas 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 2025-12-16 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: MI

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/year> is the transaction date, where there was a fraudulent charge for {$1100.00}. I have never used the service XXXX XXXX. 

I called my TD Bank on XX/XX/year> to report the fraudulent charged and they know my debit card was compromised while I was traveling in XXXX, XXXX. I was there from XX/XX/XXXX until XXXX. The I called XXXX XXXX via their XXXX number ( XXXX ) and told them that I never used their service before. I do not have any confirmation number and no account with them. I gave the representative my name and amount charged, and parts of the debit card since I remember it to see if they can track it. 

The charged showed only in my pending transactions of my checking account which is connected to my debit card. This led to an overdraft charge on my account when I didn't have that money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
The account listed is incorrect and unrelated to me.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Company name : JPMorgan Chase Bank , N.A . 

Product : Credit Card ( CHASE SAPPHIRE PREFFERED ) Issue : Promotional offer not honored Complaint : I received a targeted promotional offer from Chase via email offering {$75.00} back in statement credit for dining at eligible restaurants after meeting specified spending requirements. 

I complied fully with the terms of the promotion, including using the eligible Chase credit card, dining at qualifying restaurants, and meeting the required spend within the promotional period. 

Despite meeting all stated terms, Chase failed to issue the promised {$75.00} statement credit. I contacted customer service multiple times, but representatives denied the offer without providing a clear explanation or reviewing the promotional email I received. 

This promotion influenced my spending decisions, and Chases refusal to honor the offer constitutes misleading and unfair billing practices. 

I am requesting that Chase honor the original promotion and apply the {$75.00} statement credit as promised, or provide a written explanation identifying the specific term that disqualified me, supported by evidence. 

I have maintained good-faith efforts to resolve this matter directly with Chase and am submitting this complaint after those attempts failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-12-16 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief