vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-27 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: TX

Complaint narrative:
I am submitting this cfpb follow-up complaint to formally dispute and request deletion of inaccurate and unverifiable information currently appearing on my Experian, Equifax, Trans Union credit report XXXX The following entries are incorrect and require immediate investigation : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX SC XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX Original Creditor AT T XXXX Balance {$360.00}

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this cfpb follow-up complaint to formally dispute and request deletion of inaccurate and unverifiable information currently appearing on my Experian, Equifax, Trans Union credit report XXXX The following entries are incorrect and require immediate investigation : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX SC XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX Original Creditor AT T XXXX Balance {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
RE : Formal Demand for Investigation and Permanent Deletion of Inaccurate, Incomplete, and Unverifiable Accounts Under FCRA 609 & 611 To Whom It May Concern, I am formally disputing the accuracy and legality of multiple items being reported on my Experian credit file ( Report # XXXX, dated XX/XX/XXXX ). Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Experian is required to conduct a reasonable reinvestigation and delete any information that is inaccurate, incomplete, or can not be verified.

The following accounts are in violation of FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ), and 611 ( A ) ( 5 ) as they contain inconsistent, unverifiable, outdated, or misleading information : XXXX XXXX XXXX ( Acct : XXXX  ) Reports contradictory balances and late payments. Verification documentation ( signed contract, payment ledger ) must be produced, otherwise delete immediately. 

XXXX XXXX ( Acct : XXXX ) Reports charge-off and balance of {$190.00}, but no activity since XXXX. This appears obsolete and unverifiable. Must be deleted under FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX ( Acct : XXXX ) Reports charge-off with balance {$360.00}. Duplicate dispute remarks violate FCRA 607 ( b ) for accuracy and integrity of reporting. Must be removed. 

XXXX XXXX  ( Acct : XXXX / XXXX ) Debt buyer entries without proof of original creditor authorization or chain of title. Under FDCPA 809 ( b ) and FCRA 609 ( a ) ( 1 ), furnish original signed contract or delete. 

XXXX  XXXX XXXX XXXX XXXX ( Acct : XXXX two accounts ) Reports conflicting charge-off balances ( {$560.00}, {$200.00} ) and payment histories, violating FCRA 607 ( b ). Unverifiablemust be deleted. 

XXXX XXXX XXXX ( Acct : XXXX ) Reports collection for XXXX. No original creditor contract or chain of assignment is provided, violating FDCPA 807 ( 8 ) ( false credit reporting ). Must be deleted. 

XXXX XXXX ( Acct : XXXX ) Reports as charged off and purchased by another lender, yet still shows balance {$0.00}. This is duplicate, misleading, and unverifiable under FCRA 611 ( a ) ( 5 ) ( A ). 

Demand : Provide copies of the original signed contracts, payment histories, and legal chain of assignment for each account. 

If Experian or the furnishers can not fully verify within 30 days, these accounts must be permanently deleted. 

Be advised that continued reporting of unverified or inaccurate information will constitute willful non-compliance with the FCRA, subjecting Experian and furnishers to civil liability under 15 U.S.C. 1681n & 1681o.

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 2025-11-27 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: NC

Complaint narrative:
I am filing this complaint to address discrepancies in my credit reports from Experian, Equifax, and TransUnion regarding the XXXX account ( account number XXXXXXXX XXXX XXXX XXXX XXXX ). Upon reviewing my reports, I discovered that the account is inaccurately listed with a balance of {$100000.00} and erroneous late payment statuses of XXXX and XXXX days late, spanning from XX/XX/XXXX to XX/XX/XXXX. The last payment made on the account was on XX/XX/XXXX, but the late payment statuses reported extend beyond this timeframe. This inaccurate reporting is present across all three credit bureaus : Experian, Equifax, and TransUnion, and it violates the Fair Credit Reporting Act ( FCRA ) under 607 ( b ), 611, and 623 ( a ) ( 2 ), as well as FCRA 605 ( a ) regarding obsolete information. These discrepancies have unjustly impacted my credit score, and I am requesting immediate action to correct the inaccurate late payment statuses. The reporting of these inaccurate and incomplete details is harmful to my credit profile and violates my rights under the FCRA, including the requirement for accurate and complete information under 607 ( b ), and the obligation of furnisher XXXX to correct inaccurate information under 623 ( a ) ( 2 ).

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 2025-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a ( student ) checking account with Suntrust bank in XXXX. I also opened a savings account with Suntrust bank as well { I dont remember the exact year }, but based on my bank statements ; I have had this savings account for at least seven years. 
The terms of my Suntrust savings account were as followed : minimum daily amount was waived if I set up automatic monthly transfers of {$5.00} from my checking to my savings. This transfer occurs on or around the XXXX of every month. 
Suntrust merged with XXXX & XXXX and become Truist in XX/XX/XXXX. 
Suntrust transitioned to Truist at the end of XXXX of XX/XX/XXXX. 
After the transition to Truist, the automatic $ 5 monthly fees were still being transferred from my checking to my savings account. 
On XX/XX/XXXX, I was charged a {$5.00} maintenance fee. On XX/XX/XXXX, I called Truist customer service number and spoke with a representative by the name of XXXX. I inquired about the maintenance fee. XXXX informed me that the terms of the savings account are as followed : maintain a {$300.00} daily minimum or set up $ 25 monthly transfers. I requested for XXXX to send me a Truist disclosure via email and was informed that he could not do so. I also requested a refund on this fee and was issued the refund. 
I am filing this complaint because Truist is engaging in deceptive practices. I have had this account for over 7 years and now Truist has decided to change the terms and conditions. Additionally, I never received any disclosure or notification of these new changes. How it is even possible for Truist to change the terms and condition on a pre-existing account? That is bad business practice. Truist needs to honor the terms and conditions that were set forth when the account was initially opened.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
I have no connection to this account and dispute it.

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 2025-11-27 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: MI

Complaint narrative:
Starting in * * XX/XX/XXXX * *, a large number of * * unauthorized XXXX XXXX  transactions * * began posting to my Wisely/ADP prepaid card account. I did not authorize any of these charges, and I do not know the individuals whose names appear on the transactions. I also did not have an active XXXX XXXX account at the time these transactions occurred. 

Below is a list of the fraudulent Cash App withdrawals taken from my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$85.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$38.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$30.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$33.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$26.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$23.00} * * XX/XX/XXXX * * XX/XX/XXXX Cash App * XXXX XXXX {$12.00} XX/XX/XXXX Cash App * XXXX XXXX {$33.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$32.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$50.00} I contacted Wisely/ADP to dispute these transactions, but the company did not resolve the issue or refund the unauthorized withdrawals. My card information appears to have been compromised without my knowledge, and these transactions were processed even though I had no active XXXX XXXX account and did not authorize any payments. 

I am filing this complaint because the unauthorized charges total several XXXX dollars, continue across multiple dates, and Wisely/ADP has not corrected or reimbursed the fraudulent activity after I reported it. I am requesting assistance in having these charges investigated and refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
I have found two fraudulent accounts on my credit report the accounts are from XXXX XXXX opened on XXXX and XXXX opened on XXXX, please remove these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account was closed on XX/XX/year>. They stated my account was closed due to a violation of terms and conditions. I appealed, and they still closed my account. I even gave them the name of the person who used my account to get it closed. 
The dates and the amounts are : XX/XX/XXXX {$360.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$500.00}, XX/XX/XXXX {$11.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$6.00}, bOct. XXXX {$25.00}, XX/XX/XXXX {$240.00}, XX/XX/XXXX {$1000.00}, XX/XX/year>, XX/XX/XXXX bitcoin deposit of {$600.00} and {$580.00}. XXXX XXXX {$280.00}, XXXX {$360.00}, XX/XX/XXXX {$500.00}, XXXX XXXX XXXX {$570.00}, XX/XX/XXXX {$1600.00} XXXX XXXX {$200.00}, XXXX XXXX {$210.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$400.00}, XXXX XXXX bitcoin of $ XXXX, XXXX XXXX {$42.00}. XX/XX/XXXX {$1500.00}, XXXX XXXX {$100.00} XXXX XXXX {$1000.00}, It's at least XXXX more transactions in XXXX. Support just sends copy and paste prompt messages,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-27 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
To Whom It May Concern I am filing this complaint because multiple items on my consumer report remain inaccurate and unverified despite previous disputes. These errors violate federal accuracy standards and continue to cause harm by damaging my credibility and limiting my opportunities. I am requesting immediate review and enforcement of my rights under the FCRA. All disputed items are listed below. 

ADDRESS XXXX XXXX XXXX, MI XXXX I have never lived or used this address and have already disputed it. Keeping it on my file after previous disputes shows a failure to reasonably reinvestigate and a clear violation of FCRA 607 ( b ), 611, and 602. 

ACCOUNT MICHIGAN XXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$560.00} This account is also reporting a late payment that never occurred. I have always made my payments on time. Keeping inaccurate derogatory information is a violation of FCRA 607 ( b ), 602, 611, and 603 because the data is not complete or correct. This late payment must be fully corrected. 

I request the CFPB to require a full reinvestigation, removal of wrong addresses, and correction of all inaccurate payment history. These violations continue to harm me, and I ask for immediate enforcement of my rights under the FCRA.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
This record was reported in error and is not mine.

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