vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am over this XXXX XXXX different credit bureaus reporting XXXX different credit scores. Whats my real XXXX score XXXX, XXXX or XXXX? Some deleting old charge off accounts the other credit bureaus still showing this XXXX. The madness needs to stop. These accounts are old the charge off according to 15 US Code 1681 ( c ) 2 and 15 US code 1692 ( g ) and 16 USCode1666 b all of these collections and late payments should be removed off of my credit files. I demand you remove all of this negative information from my files. The XXXX and XXXX both have been brought by other companies and additional fees processed. Please remove this immediately off all three bureaus. 
I request immediately deletions of these old XXXX accounts. Where is the darn verified proof for these accounts. And when I received the free reports in the mail why they printed XXXX down and I dont understand how to read this information too much together not an organized account information detail. XXXX credit bureaus deleted all my old addresses some want. Where is the freaking consistency across these firms. First I didnt give my permission to furnish my information or to give too no one lets start there please fix all this immediately. If its closed take it off these creditors have received their monies. Let me have the freedom I deserve again. Sending me XXXX pages XXXX the heck down. XXXX XXXX educators has changed my status and the bureaus still reporting this old XXXX information. Why are you modifying any of this the information is older than 7 years. I demand deletion of all these negative accounts immediately!!! 
XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX with my name on it that you furnished my information to without my freaking consent I demand Transunion, XXXX XXXX XXXX  to remove this XXXX immediately!!! XXXX tired I need this fixed and if they will fall off of my report within the next XXXX months anyways remove the collections or late payments. I need a fresh start!!!! 
XXXX XXXX XXXX XXXX XXXX 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 2025-08-28 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$710.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$7900.00} XXXX XXXXXXXX XXXX XXXX  BALANCE {$1800.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$780.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  * BALANXCE {$1500.00} DATE OPENED XX/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 2025-08-28 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$710.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$7900.00} XXXX XXXXXXXX XXXX XXXX  BALANCE {$1800.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$780.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  * BALANXCE {$1500.00} DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date XX/XX/XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX to XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am formally disputing the XXXX account currently being reported by Sunrise Credit Services Group. This reporting is inaccurate, incomplete, and unlawful for the following reasons : 1. Incorrect Date of First Delinquency ( DOFD ) : XXXX records show that my service was disconnected on XX/XX/XXXX. 
Sunrise is reporting the account with an opened date of XX/XX/XXXX, which is the date they acquired the debt, not the true DOFD. 
This constitutes illegal re-aging under FCRA 605 ( c ), as the 7-year reporting period must begin with the original delinquency, not each time the debt is resold.

2. Reselling of Debt / Duplicate Reporting : This same XXXX debt was previously reported by another collection agency ( XXXX ), who deleted their tradeline after failing to validate the debt. 
XXXX has since reassigned/sold the debt to Sunrise, who is now re-reporting it as a brand new collection. 
This creates duplicate derogatory reporting on the same account, which is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) ( requirement of maximum possible accuracy ).

3. Lack of Proper Validation : Under FDCPA 809 ( b ), Sunrise may not continue collection or reporting without proper validation if disputed.

Sunrise has not provided any contracts, billing statements, or legal proof of assignment from XXXX to Sunrise establishing their ownership or authority to collect. 
Reporting without this documentation makes the tradeline unverifiable and unlawful. 
4. Consumer Harm : This inaccurate re-reporting caused a drop in my credit rating from Excellent to Fair. 
It unfairly damages my creditworthiness by misrepresenting the timeline, duplicating a previously deleted debt, and failing to provide evidence of assignment. 

To stay compliant under FCRA 623 and FDCPA 809 ( b ), a collector like Sunrise must be able to produce : The original XXXX service contract or agreement ( to prove an obligation existed ). 
Account statements or bills ( to prove the balance theyre reporting is correct ). 
A purchase/assignment agreement from XXXX to Sunrise ( to prove Sunrise has the right to report and collect ). 

Without those XXXX pieces, theyre just furnishing unverifiable information which is exactly what makes their reporting illegal. 



Demand for Resolution : Immediate permanent deletion of this XXXXSunrise tradeline from all credit reporting agencies ( XXXX XXXX XXXX ). 
Written confirmation of deletion within 10 business days. 

If this matter is not corrected, I will escalate by filing additional complaints with the CFPB, FTC, and Texas Attorney General, and pursue civil remedies for damages under the FCRA and FDCPA. 

Sincerely, XXXX 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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Clerical error caused a levy on my CapitolOne checking account by XXXX. Release was faxed the day before the remittance was scheduled but there was no way to verify that the fax was received and the release would processed before the remittance was dispatched. There should be at lease a week between notification and remittance and a way to contact the department receiving the fax to confirm receipt and verify processing. This would save time and money for the bank and customers, especially due to errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Ask them to remove this account the balance is XXXX they have it as a charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Ask them to remove this account the balance is XXXX they have it as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AR

Complaint narrative:
On XX/XX/year> Experian added a XXXX XXXX XXXX XXXX account to my credit report. I contacted XXXX XXXX XXXX  and they refused to give me any information on the account because they said I was added as an authorized user on someone's account. I informed them that I never had XXXX  XXXX and never authorized anyone to add me as an authorized user. They told me the account was old and closed so they couldnt see any information. If the account is old why is it just now reporting on my report, I asked. They refused to assist me. I contacted Experian about the account and they opened a fradulent dispute

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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to you as the holder of account number XXXXXXXX XXXX XXXX XXXX XXXX auto loan, to report an issue negatively impacting My credit. report. this issue appears to be in violation of the provisions of 15 U.S. code 1666b and other relevant sections of the fair credit reporting act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. code 1681s-2. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. below are the details of the affected payments XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Based on 15 U.S. Code $ 1681c-2 a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no than XXXX business days after the date of receipt. 
XXXX XXXX  open date XX/XX/year> {$35.00} XXXX  amount {$450.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consume right to privacy and confidentiality under the 15 USC 1681. these accounts has violated my rights.

Pursuant to 15 USC 1681 sections 602 A states i have the right to privacy.

Pursuant to 15 USC 1681 sections 602 A Section 2. It also states a consumer reporting agency cannon furnish accounts without my instruction. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ). Despite my disputes, Experian continues to : Report a fraudulent name ( XXXX XXXX XXXX ) that does not belong to me Maintain outdated and inaccurate addresses that no longer apply to me Ignore my lawful disputes and fail to correct or delete fraudulent information I have attached an Affidavit of Identity Theft & Fraud, along with supporting documentation, as part of this complaint. 

Requested Relief : 1. Immediate and permanent deletion of fraudulent names and addresses from my credit report 2. Written confirmation of deletions by Experian 3. Statutory damages and monetary compensation for willful FCRA violations I respectfully request that CFPB require Experian to take immediate corrective action.

Thank you for your prompt attention.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ). Despite my disputes, Experian continues to : Report a fraudulent name ( XXXX XXXX XXXX ) that does not belong to me Maintain outdated and inaccurate addresses that no longer apply to me Ignore my lawful disputes and fail to correct or delete fraudulent information I have attached an Affidavit of Identity Theft & Fraud, along with supporting documentation, as part of this complaint. 

Requested Relief : 1. Immediate and permanent deletion of fraudulent names and addresses from my credit report 2. Written confirmation of deletions by Experian 3. Statutory damages and monetary compensation for willful FCRA violations I respectfully request that CFPB require Experian to take immediate corrective action.

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX I never open an XXXX  XXXX my information was in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
this debt was paid and should not be reported as a collection in any form on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I bank with Wells Fargo. I was mistakenly sent XXXX via direct wire transfer. I went into the bank and opened a new savings account for the money with a banker. I then left and bought my girl an engagement ring and some gifts. A few days later the bank puts a hard hold on all my accounts. I went to the bank today and was told that the XXXX will be reversed. This will leave me negative XXXX in my bank account and the bank is unwilling to cover the balance.

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 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My mortgage lender charged me {$2200.00} in retroactive lender-placed insurance after my homeowners policy lapsed on XX/XX/XXXX. They did not notify me of the lapse until XXXXXXXX XXXX months latereliminating my ability to secure my own, lower-cost coverage. I reinstated my policy immediately on XX/XX/XXXX. The lender refuses to reduce the charges despite the unreasonable delay in notification, which I believe is unfair and inconsistent with good mortgage servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I received money via Cash App for a birthday gift. {$200.00}. I withdrawal the money & the money never went into my account. But the app states it did. I called my bank and they said to contact cash app again directly. No help given during the call, just the lady stating that it was completed. When clearly it was not, given that I do not have the money in my banking account.

Company response to consumer: Closed with explanation