vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I am filing this complaint against all three nationwide credit reporting agencies TransUnion, Equifax, and Experian for knowingly reporting inconsistent and inaccurate information for the same charged-off credit account, in direct violation of FCRA 607 ( b ), which requires maximum possible accuracy of consumer data. 
The account in question is : Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Account Type : Revolving Status : Charged-Off/Collections Balance : {$390.00} Inconsistencies Between Bureaus : Is this account charged off or in collections? 
High Credit, credit limit, last reported, last active and last payment are all inconsistent across CRA 's. It's also reporting a BALANCE OF {$390.00}, when it's a charge off/collection. 
These inconsistencies are material and damaging. There is no way this account can be accurate across all three bureaus simultaneously. This proves that these credit reporting agencies failed to follow reasonable procedures to ensure the information they report is complete, consistent, and accurate, as mandated by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

Harm Suffered : Drop in credit score Denial of credit cards and financing Higher interest rates Emotional and financial stress due to false and inconsistent derogatory reporting Relief Requested : I am requesting that all three credit bureaus : Immediately delete the XXXX XXXX XXXXXXXX ) account from my credit reports Provide confirmation of deletion in writing Explain why conflicting data was allowed to remain if they claim it was verified Submit evidence of any verification procedures used to determine this account was accurate under FCRA 607 ( b )

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 2025-07-17 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: PA

Complaint narrative:
I am filing this complaint against all three nationwide credit reporting agencies TransUnion, Equifax, and Experian for knowingly reporting inconsistent and inaccurate information for the same charged-off credit account, in direct violation of FCRA 607 ( b ), which requires maximum possible accuracy of consumer data. 
The account in question is : Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Account Type : Revolving Status : Charged-Off/Collections Balance : {$390.00} Inconsistencies Between Bureaus : Is this account charged off or in collections? 
High Credit, credit limit, last reported, last active and last payment are all inconsistent across CRA 's. It's also reporting a BALANCE OF {$390.00}, when it's a charge off/collection. 
These inconsistencies are material and damaging. There is no way this account can be accurate across all three bureaus simultaneously. This proves that these credit reporting agencies failed to follow reasonable procedures to ensure the information they report is complete, consistent, and accurate, as mandated by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

Harm Suffered : Drop in credit score Denial of credit cards and financing Higher interest rates Emotional and financial stress due to false and inconsistent derogatory reporting Relief Requested : I am requesting that all three credit bureaus : Immediately delete the XXXX XXXX XXXXXXXX ) account from my credit reports Provide confirmation of deletion in writing Explain why conflicting data was allowed to remain if they claim it was verified Submit evidence of any verification procedures used to determine this account was accurate under FCRA 607 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Account LVNV Funding LLC I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account LVNV Funding LLC as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-07-17 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: WA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-07-17 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-17 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the improper and unauthorized use of my personal information by XXXX XXXX. 

Recently, I discovered that a hard inquiry was made on my credit report by XXXX XXXX, despite the fact that I have never applied for any credit card, loan, or financial service from this institution. I am not a XXXX XXXX customer, nor have I ever authorized them to access my credit report or use my personal information in any manner. 

It is my strong belief that my personal data was fraudulently obtained and misused, possibly as part of an identity theft scheme. As a result, I am extremely concerned about the security of my financial identity and demand urgent action.

I respectfully request the following : 1. A formal investigation into XXXX XXXX actions in this matter. 
2. That XXXX XXXX be instructed to : Cease all use and processing of my personal data. 
Permanently block my information from being used for any future services, correspondence, or promotional offers. 
Immediately remove the unauthorized hard inquiry from all credit reporting agencies.

3. That appropriate enforcement actions be considered to hold XXXX XXXX accountable for any violations of data protection or consumer protection laws. 

I have already contacted the relevant credit bureaus and initiated a fraud alert. I am now seeking your assistance in ensuring that XXXX XXXX is held responsible for its role in this serious breach of privacy and trust. 

Please let me know if additional documentation is required. I would appreciate a confirmation of receipt of this complaint and any steps being taken to address the matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding the improper and unauthorized use of my personal information by XXXX XXXX. 

Recently, I discovered that a hard inquiry was made on my credit report by XXXX XXXX, despite the fact that I have never applied for any credit card, loan, or financial service from this institution. I am not a XXXX XXXX customer, nor have I ever authorized them to access my credit report or use my personal information in any manner. 

It is my strong belief that my personal data was fraudulently obtained and misused, possibly as part of an identity theft scheme. As a result, I am extremely concerned about the security of my financial identity and demand urgent action.

I respectfully request the following : 1. A formal investigation into XXXX XXXX actions in this matter.

2. That XXXX XXXX be instructed to : Cease all use and processing of my personal data. 
Permanently block my information from being used for any future services, correspondence, or promotional offers. 
Immediately remove the unauthorized hard inquiry from all credit reporting agencies.

3. That appropriate enforcement actions be considered to hold XXXX XXXX accountable for any violations of data protection or consumer protection laws. 

I have already contacted the relevant credit bureaus and initiated a fraud alert. I am now seeking your assistance in ensuring that XXXX XXXX is held responsible for its role in this serious breach of privacy and trust. 

Please let me know if additional documentation is required. I would appreciate a confirmation of receipt of this complaint and any steps being taken to address the matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the improper and unauthorized use of my personal information by XXXX XXXX. 

Recently, I discovered that a hard inquiry was made on my credit report by XXXX XXXX, despite the fact that I have never applied for any credit card, loan, or financial service from this institution. I am not a XXXX XXXX customer, nor have I ever authorized them to access my credit report or use my personal information in any manner. 

It is my strong belief that my personal data was fraudulently obtained and misused, possibly as part of an identity theft scheme. As a result, I am extremely concerned about the security of my financial identity and demand urgent action. 

I respectfully request the following : 1. A formal investigation into XXXX XXXX  actions in this matter.

2. That XXXX XXXX be instructed to : Cease all use and processing of my personal data. 
Permanently block my information from being used for any future services, correspondence, or promotional offers. 
Immediately remove the unauthorized hard inquiry from all credit reporting agencies. 
3. That appropriate enforcement actions be considered to hold XXXX XXXX accountable for any violations of data protection or consumer protection laws. 

I have already contacted the relevant credit bureaus and initiated a fraud alert. I am now seeking your assistance in ensuring that XXXX XXXX is held responsible for its role in this serious breach of privacy and trust. 

Please let me know if additional documentation is required. I would appreciate a confirmation of receipt of this complaint and any steps being taken to address the matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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, Balance : {$1300.00} 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, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6200.00} 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, Balance : {$15000.00} XXXXXXXX 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, Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2600.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed down my checking account that I just recently open but does not provide explanation to why. They have done this to my accounts in the past about 5 years ago, in the accounts that they closed down there was my credit and checking account. It caused my credit to drop due to that issue and now they're closing my brand new checking account that I got opened by an agent at the bank branch.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: MD

Complaint narrative:
So I lost my phone and lost all account and apps. So I got a new phone and had to create a new account with cash app. I've verified my id and phone number and email with cash app and when. I try to order my new free card, after I register my address and scroll down the page that showa the agreement terms I click the bottom button which says ok or submit ect. And it pops up with a denied page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXXXXXX 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, Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$450.00} 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, Balance : {$00.00} 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, Balance : {$740.00} 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, Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3300.00} 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, Balance : {$780.00}

Company response to consumer: Closed with explanation