vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
CRA 611 Dispute Late Payments ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) To : Equifax XXXX XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  GA XXXX Date : [ Friday XX/XX/year> ] Subject : Formal Dispute of Inaccurate Late Payments under FCRA 611 Dear Equifax, I am writing to dispute the accuracy of late payments reported on the following accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX Upon review, the payment history for these accounts contains multiple late notations that I believe are inaccurate or unverifiable. I request : A reinvestigation into the reporting of these late payments Verification with supporting documentation from the original creditor Removal of any entries that can not be substantiated Under FCRA 611, you are required to complete this reinvestigation within 30 days. If you can not verify these entries, please remove them from my file. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: StellarFinance, Inc.
State: LA

Complaint narrative:
I am submitting this formal complaint against StellarFi , Inc., based in XXXX, Texas, for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ) and ( b ).

On or around [ insert exact date of unauthorized charge ], StellarFi initiated an unauthorized payment toward an XXXX account that had previously been delisted and removed from my billing dashboard as early as XXXX XXXX Despite the clear removal of this account, StellarFis system facilitated an unapproved payment, and subsequently reported derogatory activity tied to this error to the national credit reporting agenciesspecifically XXXX XXXX XXXX XXXX. 

This action constitutes the following violations : 1. FCRA 1681s2 ( a ) : Duty of Furnishers to Provide Accurate Information StellarFi furnished false and misleading information to the credit bureaus by reporting the unauthorized transaction as a delinquent payment. I did not authorize the charge, and I had no active obligation to XXXX at the time of this reporting. 
2. FCRA 1681s2 ( b ) : Duty to Reinvestigate Disputed Information Upon my formal dispute, StellarFi failed to conduct a reasonable investigation into the matter, nor did they rectify the inaccurate credit reporting within the statutory timeframe.

3. Violation of Reasonable Safeguards A StellarFi representative admitted in writing and via chat that their system lacks protections to block charges from delisted billers. This systemic flaw places consumers at risk and lacks proper checks against unauthorized transactions and misreporting. 

I am requesting the following : Immediate removal of any and all negative tradelines associated with this erroneous StellarFi transaction from all credit bureaus ; Confirmation of correction in writing ; XXXX  that this account will not continue to report incorrect data ; Investigation and enforcement action under the CFPB and/or FTC authority . 

Please find attached relevant documentation including chat transcripts with StellarFi agents, screenshots showing delisting of the biller, the unauthorized payment, and the subsequent credit reporting damage. 

This situation has caused financial and reputational harm. If unresolved, I intend to pursue civil remedies under FCRA 1681n and 1681o for damages, attorneys fees, and statutory penalties. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 
Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data. In XX/XX/year>, Equifax was fined {$15.00} million for improper investigations and failure to comply with FCRA accuracy requirements.

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses.

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX / XXXX XXXX / LNV Funding ] is falsely reporting information on my credit report. 

This company is : Reporting themselves as the original creditor, which is inaccurate and misleading Illegally re-aging the account by updating the delinquency date or reporting it as newer than it actually is I have no valid business relationship or agreement with this company, and I have not received proper validation of the debt. The true date of first delinquency is much older than the date currently being reported. This re-aging practice violates the Fair Credit Reporting Act ( FCRA ) and is artificially damaging my credit. 

I am requesting a full investigation and permanent deletion of this tradeline from all credit reports ( XXXX XXXX XXXX XXXX  ). This is not a request for correction it is a demand for full removal due to inaccurate and unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing this complaint because [ Credence Resource Management / XXXX XXXX XXXX XXXX XXXX ] is falsely reporting information on my credit report. 

This company is : Reporting themselves as the original creditor, which is inaccurate and misleading Illegally re-aging the account by updating the delinquency date or reporting it as newer than it actually is I have no valid business relationship or agreement with this company, and I have not received proper validation of the debt. The true date of first delinquency is much older than the date currently being reported. This re-aging practice violates the Fair Credit Reporting Act ( FCRA ) and is artificially damaging my credit. 

I am requesting a full investigation and permanent deletion of this tradeline from all credit reports ( XXXX XXXX XXXX XXXX ). This is not a request for correction it is a demand for full removal due to inaccurate and unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am trying to re-open the prior complaint I have filed with against US bank. 
XXXX You have not helped with anything as CFPB and just passed me the response of US bank which was nonsense

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 2025-07-28 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: FL

Complaint narrative:
RE # XXXX THIS IS MY XXXX ATTEMPT This is my fourth formal dispute against Equifax concerning the unlawful reporting of fraudulent accounts that were opened while I was under financial coercion as a victim of XXXX XXXX I submitted multiple identity theft disputes under FCRA 605B and 605C, including notarized affidavits, supporting documentation, and a statement of facts. Equifax has failed to block the disputed information within the required XXXX business days as mandated by 605B ( c ) ( 2 ), and it has also failed to delete the information within XXXX days as required by 611. 

Despite placing a security freeze on my Equifax report on XX/XX/year>, Equifax continues to allow access to my file and reports the disputed accounts in violation of 605A. I have formally requested verification procedures, written confirmation of deletion, and compliance with all applicable FCRA protections. No such information has been provided. 

I have escalated this matter to the Attorney General of my state and Equifaxs home state, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer Financial Protection Bureau. Equifaxs continued noncompliance demonstrates willful disregard for federal law and retraumatizes victims by forcing them to relive exploitation through unresolved and illegal credit reporting. I am now preparing to seek full legal remedies under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I am submitting a formal complaint against Experian for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account Name : XXXX Account Number : XXXX Issue : [ Describe inaccuracies such as incorrect balance, wrong status, inconsistent dates ] I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-07-28 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX is reporting an account that should have been removed from my credit report years ago. In their own response to my XXXX  dispute, they confirmed the account was closed on XX/XX/XXXX. I originally disputed this account back in XXXX, yet it remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information can not be reported more than 7 years from the Date of First Delinquency ( DOFD ) which is the date the account first became late and was never brought current. Since the DOFD was prior to the XX/XX/XXXX closure, this account is now well beyond the 7-year reporting limit and should have been removed. Im requesting that the CFPB ensure XXXX  XXXX XXXX removes this obsolete account from all credit bureaus and complies with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting an account that should have been removed from my credit report years ago. In their own response to my XXXX  dispute, they confirmed the account was closed on XX/XX/XXXX. I originally disputed this account back in XXXX, yet it remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information can not be reported more than 7 years from the Date of First Delinquency ( DOFD ) which is the date the account first became late and was never brought current. Since the DOFD was prior to the XX/XX/XXXX closure, this account is now well beyond the 7-year reporting limit and should have been removed. Im requesting that the CFPB ensure XXXX XXXX XXXXXXXX removes this obsolete account from all credit bureaus and complies with federal 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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX apparently sold my past due debt to Zwicker & Associates, a collection company. 

Zwicker has sued me as of XX/XX/XXXX saying I have not paid my debt since XXXX, however XXXX XXXX has been accepting payments from my Debt Relief Program since I enrolled in it in XXXX. XXXX has even negotiated a better payment plan with my Debt Relief Program as of XX/XX/XXXX, and yet I received court documents from XXXX / Zwicker stating I am in default of my loan and am being sued for the debt, along with court costs. 

I have screenshots from my Debt Relief Program 's Customer Portal showing my payments to XXXX XXXX XXXX Zwicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
I've 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 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 2025-07-28 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: VA

Complaint narrative:
I've 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year>, a hard inquiry from BRCLYSBANKDE appeared on my credit report without my authorization or consent. I did not apply for credit with Barclays Bank or authorize them to access my credit file. 

This inquiry was reported to, TransUnion, Experian, or Equifax and I filed a dispute directly with the credit bureau. However, the inquiry was not removed. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which limits access to consumer credit reports to those with a permissible purpose, and 15 U.S.C. 1681n, which provides for civil liability in cases of willful noncompliance.

I am requesting immediate removal of the unauthorized hard inquiry and written confirmation that no further access to my credit file by this company will occur without my express consent. 

Please investigate and take appropriate action to protect my credit rights.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a cash app account that I had lost access to back in XXXX of XXXX  due to XXXX XXXX my abuser took my over my accounts and made purchases and took money unauthorizedI ended up make a new cash app which was the account I always used. I had contacted cash app about the compromised account so it could be closed and provided police report details at that time too. I thought it had been taken care of until I got the settlement notification that a deposit of {$280.00} had been posted to the old cash app account with the old email address XXXX I contacted support and they helped get access to the account and it showed there had been a negative balance and my deposit was used for the negative balance. I told them this account had been reported and I wanted my deposit sent to my cash app account ( the new one I had been using ) and they said I needed to contact the merchant who made the depositwhich in turn they said cash app could only fix my issue because it had posted to the account. I tried contacted cash app support with no remedy even with all the evidence at hand then suddenly they closed out the account I was using supposedly because I used it for gambling and closed out the old account as well this was after I threaten to report them because they took my money and had not addressed my account issues in XXXX.

Company response to consumer: Closed with explanation