vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: KY

Complaint narrative:
Even though the balance is cleared, late payment marks remain on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : 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 2025-10-13 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX, XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-13 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-13 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: NJ

Complaint narrative:
I am filing this complaint to formally dispute and request immediate investigation into several inaccurate and misleading items that are being reported on my credit file. These items are causing substantial harm to my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

1. Wrong Address Reporting XXXX XXXX XXXX, XXXX, NJ, XXXX This address is being falsely reported as associated with me. I have never lived at, used, or been affiliated with this address. Reporting inaccurate personal identifying information is misleading and violates the accuracy requirements under the FCRA. 

2. Inaccurate Late Payment Reporting The following creditors are reporting accounts with alleged late payments, despite balances being resolved and/or inaccurate reporting practices : XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Opened XX/XX/XXXX High Balance {$7600.00} XXXX XXXX  XXXX ( Acct. XXXX ) Opened XX/XX/XXXX High Credit {$1000.00} XXXX XXXX XXXX Acct. XXXX ) Opened XX/XX/XXXX High Balance {$54000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX ) Opened XX/XX/XXXX High Balance {$23000.00XXXX XXXX XXXX  ( Acct. XXXX ) Opened XX/XX/XXXX High Balance {$45000.00} These late payment notations are either erroneous, unverifiable, or reported beyond the allowable time frame under the FCRA ( 15 U.S.C. 1681c ). They do not reflect accurate or complete information and must be corrected or deleted immediately. 

3. Improper Inquiry XXXX XXXX XX/XX/XXXX This inquiry appears on my credit file without my authorization. I did not grant permission for this inquiry, and it constitutes a violation of FCRA 604, which requires permissible purpose for pulling a consumers credit.

Requested Resolution I demand that the CFPB investigate these issues and require the credit reporting agencies and creditors involved to : Delete the inaccurate address ( XXXX XXXX XXXX, XXXX, NJ, XXXX ). 

Remove all unverifiable or inaccurately reported late payment notations from the accounts listed above. 

Remove the unauthorized XXXX XXXX inquiry dated XX/XX/XXXX. 

Provide me with written confirmation once these corrections have been made. 

These inaccuracies are damaging my financial standing and are in clear violation of my rights as a consumer under the FCRA. I am requesting your immediate intervention to ensure compliance with federal consumer protection laws.

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 2025-10-13 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: TX

Complaint narrative:
This is now my sixth follow-up complaint regarding the continued inaccurate reporting of the XXXX TOOLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, listed with a balance of {$1200.00} and reported as a charge-off. Despite multiple disputes, this item remains on my credit file without any verification or correction, indicating a repeated disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
This alleged debt exceeds {$600.00}, yet no Form XXXX has ever been provided, which is required when a debt is canceled or charged off. Without such documentation, the reporting of this charge-off is unverified and therefore can not meet the standard of accuracy mandated by federal law. By allowing this unsubstantiated item to remain, the credit bureau is in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that all information reported be of maximum possible accuracy.

Furthermore, the repeated reinvestigations that have produced no meaningful change reflect noncompliance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which obligates the bureau to conduct a reasonable reinvestigation and remove unverifiable information.

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 2025-10-13 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: NV

Complaint narrative:
Despite being paid in full, this account still displays late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 am writing to formally appeal the decision regarding my refund request for a transaction in the amount of {$320.00}. The issue arose due to a technical malfunction within the Cash App platform that prevented me from successfully canceling the transaction.At the time of the incident, I attempted to use the cancellation feature as instructed by the app. However, the cancelation button failed to function properly, producing no response or confirmation. This system error rendered the feature inoperative, leaving me unable to reverse or stop the transaction as the apps instructions indicated would be possible. 

Because the application did not perform as representedspecifically, it failed to provide the technical functionality required to cancel a transactionthe service did not fulfill its intended purpose or obligation to the user. As a result, I was unable to recover my funds through no fault of my own. 

The malfunction was entirely due to a technical error within the Cash App system, and I believe it is only fair that the lost funds be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX XXXX regarding my XXXX XXXX XXXX XXXX account ending in XXXX, concerning XXXX disputed charges that have not been properly resolved. 

According to XXXX, during a billing dispute : Creditors XXXX not charge interest or fees on the disputed amount Disputes must be investigated and resolved promptly I am entitled to a corrected billing statement and reversal of improper charges. 
On XX/XX/XXXX, I filed a dispute for XXXX credit card transactions, each for {$1100.00} and {$1800.00}, dating back to XX/XX/XXXX. However, the bank did not respond to my request until XX/XX/XXXX, when I received a highly unprofessional letter ( Attachment XXXX ). It contained no disputed subject matter and no case number. I had no idea what the dispute was about or which case it was related to. On XX/XX/XXXX, I filed a dispute for these XXXX credit card transactions ( see Attachments XXXX and XXXX ) and requested a refund of the {$41.00} interest charged on XX/XX/XXXX. After refunding that interest, they charged me {$44.00}, {$35.00}, and {$30.00} in interest on the disputed items on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Seeing that the bank would not resolve my dispute, I sued the merchant directly in court and received a refund of the disputed items : {$1800.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. 
The XXXX disputed amounts were returned by the merchant, confirming the validity of the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: MO

Complaint narrative:
I requested my account be closed on XX/XX/XXXX but it evidently was not closed as requested, and I was charged a {$5.00} fee on XX/XX/XXXX for account maintenance. When I sent another message to customer service on XX/XX/XXXX, asking for the fee to be waived and the account closed as requested, they are refusing to refund the fee and said that this wasn't the proper way to close an account but I do not know how else to get it closed. It seems they like to delay processing requests to close accounts so they can collect more monthly fees.

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 2025-10-13 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: NY

Complaint narrative:
I am submitting this follow-up regarding a prior dispute I filed concerning several unauthorized inquiries appearing on my credit report. Despite my initial dispute, these inquiries remain on my file without proper verification or removal. 

The inquiries in question are as follows : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX I did not apply for credit with any of these entities, nor did I authorize these inquiries. Under FCRA 1681b, credit reporting agencies may only include inquiries on a consumer file if they were made for a permissible purpose, such as a legitimate credit application, insurance, employment, or with my explicit consent. These inquiries do not meet any permissible purpose and are therefore inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request to Unblock My Credit Report Dear Equifax , I hope this letter finds you well. I am writing to formally request the removal of the block placed on my credit report. I understand that, for certain reasons, my credit file has been temporarily blocked or restricted. However, I believe this action may have been taken in error or that the circumstances warrant reconsideration.

Personal Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number ( or equivalent ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report Experians continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year>, XX/XX/year>, and XX/XX/year>, Experian has failed to remove or block the fraudulent XXXX  XXXX XXXX...., XXXX  XXXX XXXX.... & XXXX XXXX XXXX.... that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c- 2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Experian with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

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 2025-10-13 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: CA

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, a duplicate name and date of birth, and late payment statuses that should be updated. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XX/XX/XXXX portfolio services file a complaint. 
Acct # XXXX. 

They acknowledge that this was a fraudulent account they have closed it they have a satisfaction of judgment that is not signed. 
They refuse to put in writing to escrow that the account is closed in that no money is owed. 

It affected the closing of my house that they put the lien on and the releasing of funds from escrow to me because select portfolio is refusing to put anything in writing and has not filed the satisfaction of judgment. 

It is causing financial harm to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no connection with this account being reported.

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 2025-10-13 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: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AZ

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