vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: CA

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 identity 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 completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXT ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA XXXXECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-27 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report and request your assistance in investigating the inaccuracies. Below are the details of the accounts in dispute, separated by credit bureau : CHARGED OFF XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} INQUIRIES XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I am filing this complaint because several items on my credit reports appear inaccurate or unverified. I am requesting the CFPBs assistance in having each credit bureau properly investigate and correct or remove any information that can not be verified. 
1. Charged-Off Account Disputed XXXX XXXX  Account : XXXX Date Reported : XX/XX/2022 Balance : {$810.00} I am disputing this account because I do not believe the information being reported is accurate. I am requesting verification of the account details, ownership, dates, and balance. If it can not be fully verified, I request that it be removed. 

2. Inquiries No inquiries included for Equifax in this dispute.

3. Late Payment Disputed XXXX XXXX Account : XXXX I am disputing the late payment information being reported. I am asking Equifax to verify the payment history and remove or correct anything that can not be confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Ive been a Fifth Third customer since XXXX. On XX/XX/XXXX, Fifth Third took a XXXX XXXX monthly service fee from my savings account without notice. They repeated this on XX/XX/XXXX and XX/XX/XXXX. I only realized the fees today, XX/XX/XXXX. My savings account has never been charged a monthly service fee before. Even when I had as little as {$3.00} or as much as {$100.00} in the account, there was never any fee. Other family members with similar accounts at the same bank are not being charged this fee. Although there is a note in my online savings account showing the fee would start on XX/XX/XXXX, I was never personally notified. When I contacted customer service, they falsely told me there was a {$500.00} minimum balance requirement, which has never been applied to my account before. I am requesting a full refund of all unauthorized fees, {$15.00} total, and an investigation into these unfair and inconsistent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I am filing this complaint because several items on my credit reports appear inaccurate or unverified. I am requesting the CFPBs assistance in having each credit bureau properly investigate and correct or remove any information that can not be verified. 
1. Charged-Off Accounts Disputed XXXX Account : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX Account : XXXX XXXX Reported : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX ( XXXX  XXXX ) Account : XXXX Date Reported : XX/XX/XXXX Balance : {$810.00} I am disputing these accounts because the information appears inaccurate or unverified. I am requesting that TransUnion fully validate each account, including ownership, dates, and balances. If verification can not be provided, I request that these accounts be removed. 

2. Inquiry Disputed Foundation F Date : XX/XX/XXXX I do not recognize this inquiry. I request verification of my authorization or a permissible purpose. If TransUnion can not confirm this, I request removal of the inquiry. 

3. Late Payment Disputed XXXX XXXX Account : XXXX I am requesting verification of the late payment information. Please delete or correct anything that can not be validated.

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 2025-11-27 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: AZ

Complaint narrative:
This statement is submitted to the Consumer Financial Protection Bureau ( CFPB ) to assist in resolving inaccurate, incomplete, or unverifiable information being reported by the three major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and TransUnion ( TU ). 
I am a consumer attempting to correct and maintain accurate credit information in accordance with the Fair Credit Reporting Act ( FCRA ). 


Accounts in Dispute Charged Off : XXXX XXXX ( Account XXXX XXXXXXXX ) Reported charged off as of XX/XX/year> with a balance of {$770.00}. I dispute the accuracy and completeness of this charge-off. Please verify all account details, including balance, payment history, and charge-off date. If the furnisher can not verify, I request deletion from my file. 

XXXX XXXX ( Account # XXXX ) Reported charged off as of XX/XX/year> with a {$0.00} balance. I dispute this account as inaccurate and/or unverifiable. Please provide validation from the furnisher showing that this account belongs to me and that all information is being reported in compliance with FCRA XXXX. 

Inquiries in Dispute : I dispute the following hard inquiries, as I did not authorize or recognize all of them : 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 I request that Experian verify the authorization for these inquiries and remove any that can not be verified. 

Late Payments in Dispute : XXXX XXXX  ( Account # XXXX ) I dispute the accuracy of late payment ( s ) being reported. Please investigate and confirm the payment records with the furnisher. If documentation can not be produced, please correct or remove the late entries.

Positive Accounts : No disputes at this time.

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 2025-11-27 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 XXXXXX/XX/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 2025-11-27 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
XX/XX/XXXX I used Barclay credit card in the amount of $ {$6700.00} to make payment to XXXX XXXX for a trip to take place XXXX XXXX XXXX. I paid back the entire amount to Barclay before the end of XXXX. In XXXX I also paid XXXX XXXX with my credit card in the amount of {$750.00} and {$300.00} paid to XXXX. Early XXXX I called to request ticket information and could not reach the company. What was odd, I think XXXX XXXX used XXXX travel agency for the {$300.00}. Early XXXX I attempted continuous phone calls to reach XXXX  XXXX  with no response. I contacted Barclay and told them I was fraudulently taken for. They replied they will look into the matter and refunded the the total amount professionally until they investigated. I used the cash refunded and worked with XXXX because, XXXX XXXX was really crafty by putting a {$500.00} down for a XXXX XXXX XXXX  so the air flights were reserved but not paid. In order to keep the reservation because we were attending a wedding and cold not make a change in date, I had to use their vendors for the hotel in XXXX and I had to pay the hotel in XXXX, they only made a reservation for. When I returned from the trip I called Barclay. They sent a letter of denied for the claim of Fraud. Then I disputed the denial and provided documentation Barclay replied they would investigate. In the meantime the interest rate is increasing for the full payment amount every day. Barclay was able to recover the {$750.00} from International Travel and {$300.00} from XXXX during the dispute period. I was informed on XX/XX/XXXX they are unable to dispute in my favor due to the following : " We are outside of the permitted timeframes to continue the dispute process. Insufficient proof that the merchant violated the invoice/contract 's terms and conditions. Any further to dispute this transaction must be made directly with the merchant. '' There is no merchant. 
How is this not fraud? By their actions there is definitely a connection between XXXX XXXX and XXXX. Is that Fraud? Thank you for your consideration.

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 monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
I have been borrowing and paying back cash app money for almost a year now I paid them back {$900.00} on XXXX in over XXXX on another as soon as I paid it back I went to borrow the money they denied me. They said they couldnt verify my identity. I tried to call the company. They refused to help me only saying they can email me within 10 days with a response. I asked to speak to a supervisor they declined my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-27 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: AL

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the following accounts on my credit report. I believe these accounts are inaccurately reported, and I am requesting a thorough investigation. Below are the details for each bureau : Inquiries : XXXX  XX/XX/year> XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief