vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/23 XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/23 XXXX XXXX XXXX Date : XX/XX/23 XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/23 XXXX Date : XX/XX/2XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/2XXXX XXXX Date : XX/XX/23 XXXX Date : XX/XX/23 XXXX  Date : XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-12 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: SC

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 TransUnion 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 : Unauthorized Credit Inquiry : 1. XXXX XXXX - XX/XX/XXXX - 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) -Unauthorized inquiries Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX, XXXX XXXX SC, XXXX - The following personal information is incorrect 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1. Complaint Description I am submitting this complaint concerning multiple inaccurate, misleading, or unverifiable tradelines reported on my credit reports with Experian, Equifax, and TransUnion. The affected accounts include but are not limited to : XXXX XXXX XXXX Balance {$9.00}, last updated XX/XX/XXXX, labeled Potentially Negative XXXX XXXX XXXXXXXX Balance {$0.00}, last updated XX/XX/XXXX, labeled Potentially Negative XXXX XXXX XXXX  Balance and update date missing, status unclear XXXX XXXX XXXX Balance {$190.00}, updated XX/XX/XXXX, labeled Potentially Negative XXXX XXXX with late payments or inaccurate balance reporting, including XXXX XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Many of these tradelines are inaccurately reported as Potentially Negative, show outdated balances or update dates, or contain unverifiable status information. Some closed accounts continue to show negative information beyond the allowable time frames, and others have no payment histories provided.

These inaccurate and unverifiable tradelines are harming my credit score and financial reputation, making it difficult to obtain credit on fair terms.

2. Actions Taken I have disputed these accounts with all three major credit bureaus on [ insert date ( s ) ].

I have requested the creditors to provide full account histories, payment records, and verification of any derogatory status.

To date, no sufficient documentation or correction has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
1. Complaint Description I am submitting this complaint concerning multiple inaccurate, misleading, or unverifiable tradelines reported on my credit reports with Experian, Equifax, and TransUnion. The affected accounts include but are not limited to : XXXX XXXX XXXX Balance {$9.00}, last updated XX/XX/XXXX, labeled Potentially Negative XXXX XXXX XXXXXXXX Balance {$0.00}, last updated XX/XX/XXXX, labeled Potentially Negative XXXX XXXX XXXX  Balance and update date missing, status unclear XXXX XXXX XXXX Balance {$190.00}, updated XX/XX/XXXX, labeled Potentially Negative XXXX XXXX with late payments or inaccurate balance reporting, including XXXX XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Many of these tradelines are inaccurately reported as Potentially Negative, show outdated balances or update dates, or contain unverifiable status information. Some closed accounts continue to show negative information beyond the allowable time frames, and others have no payment histories provided.

These inaccurate and unverifiable tradelines are harming my credit score and financial reputation, making it difficult to obtain credit on fair terms.

2. Actions Taken I have disputed these accounts with all three major credit bureaus on [ insert date ( s ) ].

I have requested the creditors to provide full account histories, payment records, and verification of any derogatory status.

To date, no sufficient documentation or correction has been provided.

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 2025-06-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-12 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
They did nothing they are fraud they better give me my money.they sold my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I am writing to formally dispute the validity of an account that appears on my credit report. The account in question is listed as follows : Creditor : XXXX XXXX Account Number : XXXX I am the victim of identity theft and did not open this account, nor have I ever had any dealings with XXXX XXXX. This account is fraudulent and must be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and removed from my credit file. Please find enclosed a copy of my government-issued identification, a utility bill for address verification, and a completed FTC Identity Theft Report. 

Failure to take prompt action to remove this fraudulent item from my report may result in me pursuing further legal remedies to protect my rights under federal law. 

Please confirm in writing that this account has been removed, or provide me with the results of your investigation within 30 days, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To whom it may concern, I am submitting this complaint against Experian Information Services LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 609 ( c ), and 611, which require consumer reporting agencies to maintain the maximum possible accuracy of consumer data.

I am requesting the immediate deletion of all inaccurate personal identifiers currently listed on my Experian credit report. These errors are not minorthey are materially misleading and harmful.

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 2025-06-12 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: NY

Complaint narrative:
Wrong name in the credit report : XXXX XXXX ( WRONG ) THE CORRECT NAME IS : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DC

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 2025-06-12 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: DC

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 non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I called to speak on behalf of monies transferred, never received information or a call back, then I went on app tried to block consumer, called the number for cash app left several messages. 
Still to this day since no call or comment back from complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> To : Innovative Recovery Inc. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Tx. XXXX RE : Request for Debt Validation and Removal of Unverified Account Account # : XXXX Dear Innovative Recovery, I am contacting you regarding the above-referenced account, which is currently being reported to the credit bureaus under my name. As per my rights under the XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g XXXX XXXX I am formally requesting XXXX XXXX  full validation of this alleged debt XXXX XXXX, including a XXXX XXXX copy of the original contract or agreement bearing my signature * *. 

To be considered valid under federal law, this documentation must include : - A copy of the original signed contract or agreement - A complete payment history and breakdown of charges - Evidence that you are legally authorized to collect on this debt - Proof that this account is still within the statute of limitations Until you are able to provide all of the above, I am requesting that you * * cease all collection activity * *, including reporting to any of the credit bureaus ( XXXX XXXX XXXX XXXX  ). If this debt * * can not be validated * *, I am demanding that it be * * immediately deleted from my credit report * * in accordance with the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) * *. 

Please respond within * * 30 days * * of receipt of this letter. Failure to validate this debt will result in further action, including complaints to the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * Texas Attorney General 's Office * *, if necessary. 

I am keeping records of all communications regarding this matter. Please respond in writing only. 

Sincerely, XXXX XXXX * * Enclosures : * * - Copy of government-issued ID - Proof of address ( e.g., utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Equifax and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

Company response to consumer: Closed with non-monetary relief