vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CO

Complaint narrative:
Under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) ( B ), you are required to delete and block any information found to be inaccurate or unverifiable and must not reinsert such information into my file unless you certify its accuracy and provide me with written notice prior to reinsertion. 

This account is inaccurate and unverifiable. I demand its immediate removal and blocking from reinsertion. Continued reporting or reinsertion of this item without meeting the strict requirements of the FCRA will be considered willful noncompliance and a violation of my consumer rights. 

You are further required to notify me in writing within XXXX business days of any attempt to reinsert this information into my credit file, including the name, address, and phone number of the furnisher who verified it. 

Please confirm in writing that this account has been deleted, blocked from reinsertion, and that all parties reporting this account have been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CO

Complaint narrative:
Under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) ( B ), you are required to delete and block any information found to be inaccurate or unverifiable and must not reinsert such information into my file unless you certify its accuracy and provide me with written notice prior to reinsertion. 

This account is inaccurate and unverifiable. I demand its immediate removal and blocking from reinsertion. Continued reporting or reinsertion of this item without meeting the strict requirements of the FCRA will be considered willful noncompliance and a violation of my consumer rights. 

You are further required to notify me in writing within XXXX business days of any attempt to reinsert this information into my credit file, including the name, address, and phone number of the furnisher who verified it. 

Please confirm in writing that this account has been deleted, blocked from reinsertion, and that all parties reporting this account have been notified.

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 2025-08-11 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: IL

Complaint narrative:
Im requesting assistance to remove unauthorized accounts from my credit report. I did not open them and was not informed of their existence. As stated in USC 1681g, please delete them within 15 days. Documents are attached

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 2025-08-11 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:
Subject : Inaccurate and Inconsistent Credit Reporting XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Complaint : I am filing this complaint to report ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and possible violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account XXXX XXXX XXXX  XXXX ( Acct ending XXXX ) Status inconsistency : XXXX  shows Positive, XXXX  and TransUnion show Negative. 

Closed Date differs : XXXX  XX/XX/XXXX, TransUnion XX/XX/XXXX. 

Payment history conflict : XXXX  and TransUnion show XXXX late in XX/XX/XXXX/ XX/XX/XXXX, while XXXX  shows OK. 

Last Activity and Last Payment Dates differ between bureaus. 

Violations : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct reasonable reinvestigation and correct/delete inaccurate or unverifiable information.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate.

FDCPA 1692e ( 8 ) Communicating false credit information, including failing to report a disputed debt accurately.

These reporting discrepancies are damaging my creditworthiness and violate 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 non-monetary relief
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
I, XXXX XXXX, submitted this complaint personally and directly. No third party is acting on my behalf, and any claim suggesting otherwise is false and obstructive. 

XXXX XXXX has failed to properly investigate my dispute, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which requires furnishers to conduct a reasonable reinvestigation when a consumer submits a dispute. Their refusal to act based on an unfounded assumption about third-party involvement is a direct violation of my rights under federal law. 

I am attaching a copy of my government-issued ID to confirm my identity and authorship of this complaint. I demand that this matter be investigated thoroughly and without further delay. Continued refusal to investigate may result in escalation to legal counsel or regulatory enforcement. 

This complaint is being resubmitted with full documentation to ensure compliance and accountability.

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 2025-08-11 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: TN

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported XXXX accounts to Experian in XX/XX/year> as Potentially negative with past-due amounts of {$9.00} {$15.00} despite my documented XX/XX/year> payments and multiple active disputes. I have over 15 CFPB complaints against XXXX  and open XXXX  and XXXX  cases. They ignore portal messages and refuse to provide a written hardship resolution. 

Reporting past-due amounts during active disputes, while omitting payment history, is inaccurate and misleading in violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ) ). I request that XXXX  : ( 1 ) correct or remove these inaccurate notations, ( 2 ) provide a written hardship resolution for all loans, and ( 3 ) confirm no 30-day late marks will be reported while disputes are unresolved.

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 2025-08-11 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phillips & Cohen Associates, Ltd.
State: WV

Complaint narrative:
On XXXX Phillips and cohen sent a womans entire face sheet with social security numbers address phone date of birth work address. Home address its a law violation of hippa to send random people someone identity. Its fraud and fcra fdcpa violation this company needs sued and shut down I have proof they violated the law I demand XXXX in a check with in 15 days. The woman has been notified of the breach by Phillips and associates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year> my account was restricted. Placed under review and I have not been able to access my funds and its imperative I have access to my money! At this moment I want off robinhood and want to transfer me positions to another brokerage. Its ridiculous I need to be dealing with this and I have full access over my account. Ive not gotten any information besides indians hanging up on me from robinhood support! I had a fraudulent transaction occur on my spending account and robinhood hasnt even taken care of that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have identified a fraudulent account on my credit report that I did not open or authorize. I have no relationship with the reporting creditor, and the information is inaccurate. This false reporting is negatively impacting my creditworthiness.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO Experian, XXXX, and XXXX  reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports. 
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 explanation
Consumer complaint received 2025-08-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
I am disputing a late payment entry that has been inaccurately reported on my credit file. I have consistently met all payment obligations on time, and this reporting is incorrect. Such an error not only misrepresents my payment history but also unfairly impacts my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
This complaint concerns an inaccurately reported late payment that does not reflect my actual payment history. I have never failed to make payments on time for this account, and this false report has negatively impacted my credit profile and financial credibility. I am requesting that this entry be thoroughly reviewed, verified, and corrected to show an on-time payment status.

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 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
XXXX, Nissan Motor Acceptance, XXXX, XXXX XXXX and XXXX are saying that I owe amounts that I am unfamiliar with. Also I don't recall owing XXXX XXXX XXXX, or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
So there has been fraudsters trying to use my social security number since it was stolen out my Moms purse at a young age. So recently on XX/XX/year> I get a notification about my credit and that I have an account in collections. I definitely was confused because Im on top of my credit and I like to keep it good so one day Ill get that XXXX XXXX XXXX you know. The name of the company stating I have collections is Jefferson Capital Systems LLC and they keep harassing me about paying {$2000.00} that wasnt even me and was fraudulent so I really need to get this resolved! Ive tried disputing this fraud charge with the credit bureaus already and they just leave it in an Unknown status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-11 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-11 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
XXXX XXXX XXXX Status : Open, Late over 120 days Complaint : Requests documented proof and validation. 

XXXX XXXX XXXX Status : Open, Charge-Off Complaint : Disputes balance ; requests verification. 

XXXX XXXX XXXX  Status : Open, As Agreed Complaint : Disputes outdated/inaccurate information. 

XXXX XXXX XXXX XXXX Status : Closed, Charge-Off Complaint : Requests verification and proof of debt. 

XXXX XXXX XXXX Status : Open, Charge-Off Complaint : Disputes account and demands deletion. 

XXXX XXXX XXXX XXXX Status : Open, As Agreed Complaint : Requests late payment correction. 

XXXX XXXX XXXX Status : Open, Charge-Off Complaint : Disputes account as inaccurate ; requests proof. 

XXXX XXXX XXXX Status : Closed, Charge-Off Complaint : Disputes status and balance. 

XXXX XXXX XXXX XXXX XXXX  Status : Closed, As Agreed Complaint : Requests correction of billing error. 

XXXXXXXX XXXX XXXX XXXX ( x2 entries ) Statuses : Closed, Charge-Off Closed, Late 60 Days Complaint : Disputes late status and demands deletion or correction. 

XXXX XXXX XXXX Status : Closed, Charge-Off Complaint : Requests deletion and verification. 

Hard Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) Complaint : All inquiries are contested as unauthorized ; demands documentation or removal.

Company response to consumer: Closed with non-monetary relief