vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
My credit report contains several inaccuracies that are reporting negatively

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Paid full amount {$380.00} on XX/XX/year> to National Credit Systems. Was advised the collections will be removed off my credit report and it still has not been removed. This is affecting my ability to get approved for housing and I am facing homelessness over a debt that has been paid. I was unaware of the debt originally out of mistake, my phone number was changed after moving out and the rental company could not get ahold of me. Therefore, sent my cleaning fees of {$380.00} to collections. I will never let this happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

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 2025-11-10 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX Bank of America authorized transactions in the amounts of XXXX, XXXX and XXXX, totaling to XXXX without my consent. Ive tried to report fraudulent activity but the bank is brushing me off and not giving me any information about the transactions just to call a number. I went to a local branch on XX/XX/XXXX to discuss the situation and was met with the account specialist stating it was out of their hands, I asked to speak with their legal department to see who authorized the transactions and they could not give me anymore information. Ive attempted to call the number provided by the bank and become stuck in an automated queue without talking to a representative. On XX/XX/XXXX I made a police report to have it documented. As of XX/XX/XXXX no one from Bank of America has not reached out in regards to my account being in negative standing which led to my account becoming frozen. I dont know where to continue from here. Can I get some help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have tried to get this matter resolved with wells Fargo. They told me that they did an investigation and I was found liable for this car loan. I went to the car dealership where they said I obtained this car loan, and the car dealership had no record of this transaction. They did not have any records, no copy of my identification and no proof that I was the one who obtained this car loan. Consumer law states that these things must be XXXX Percent accurate and I am disputing this fraudulent car loan based on consumer law. I have asked wells fargo what exactly did they use to authenticate that I was the one who obtained this car loan, when the dealership had no records at all of me Opening up a car loan at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found that several accounts and an inquiry are being reported inaccurately and remain unverified despite multiple previous disputes. The accounts in question include XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX well as an unauthorized inquiry from XXXX XXXX  dated XX/XX/XXXX. 

XXXX XXXX XXXX is reporting my account as both charged off and past due at the same time. This is a factual impossibility and a direct violation of FCRA 607 ( b ), which requires furnishers and credit bureaus to report information with maximum possible accuracy. Additionally, XXXX XXXX XXXX has failed to produce documentation showing how the alleged deficiency balance was calculated after repossession, or proof of a repossession notice or final statement sent to me. Reporting both statuses simultaneously is misleading and damages my credit profile. 

XXXX XXXX XXXX XXXX XXXX reporting an account as closed by credit grantor but continues to associate it with negative remarks, even though no documentation or proof has been provided to show that the closure was due to default or adverse action. This is incomplete and unverifiable reporting, which violates FCRA 611 ( a ) ( failure to properly reinvestigate ) and FCRA 623 ( a ) ( 1 ) ( A ) ( duty to furnish accurate information ).

In addition, there is a hard inquiry from XXXX XXXX dated XX/XX/XXXX that I did not authorize. No permissible purpose under FCRA 604 ( a ) ( 2 ) has been proven, and I have never applied for credit with this entity. This unauthorized inquiry constitutes unlawful access to my credit file and negatively impacts my credit score.

Despite multiple disputes sent in 2024 and 2025, the credit bureaus have verified these items without producing any evidence or documentation from the furnishers. This demonstrates a failure to perform a lawful reinvestigation under FCRA 611 ( a ). As a result, inaccurate and unverifiable information continues to appear on my credit reports, harming my creditworthiness and violating my rights under 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 2025-11-10 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: FL

Complaint narrative:
I am requesting that Experian reinvestigate the following reporting concerns. I have reason to believe some information listed below may be incomplete or reported inaccurately. If the information can not be fully validated, I am requesting it be updated or removed. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX Acct : XXXX | Opened : XX/XX/year> | Balance : {$0.00} LATE PAYMENTS ( EX ) These late payments may be inaccurately reported or not properly verified. I request validation or removal : 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

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 2025-11-10 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: NC

Complaint narrative:
I am disputing this account with XXXX because the information reported is not accurate. I request verification of this account and its status, as it may not reflect the correct details. 

EXPERIAN XXXX XXXX XXXX XXXX Account Name : US DEPT ED Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1700.00}

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 2025-11-10 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: Capital Accounts, LLC
State: TX

Complaint narrative:
The company is breaking the law by failing to provide proper validation details as required under 12 CRF 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the 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 explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 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: NC

Complaint narrative:
I am submitting this complaint to dispute multiple items being reported inaccurately on my credit reports by the three major credit bureaus ( XXXX, XXXX, and TransUnion ). The accounts and inquiries listed below are either reported incorrectly, unverifiable, or outdated. I request that each bureau conduct a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ) to verify all information, provide proof of accuracy, or remove any unverifiable data from my credit file. 


Accounts in Dispute Charged Off : XXXX XXXX, Acct # : XXXX, Date : XX/XX/XXXX, Balance : {$800.00} XXXX, Acct # : XXXX, Date : XX/XX/XXXX, Balance : {$900.00} XXXX, Acct # : XXXX, Date : XX/XX/XXXX, Balance : {$4200.00} XXXX, Acct # : XXXX, Date : XX/XX/XXXX, Balance : {$8000.00} Inquiries in Dispute : XXXX XXXX, Date : XX/XX/XXXX Late Payment Accounts in Dispute : XXXX, Acct # : XXXX XXXX, Acct # : XXXX XXXX, Acct # : XXXX XXXX  XXXX, Acct # : 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 2025-11-10 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: IN

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 explanation
Consumer complaint received 2025-11-10 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: VA

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 explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am requesting that Experian reinvestigate the items listed on my credit file. If the information can not be verified with complete documentation, I am asking for its correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ).

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXcct : XXXX  | Opened : XX/XX/XXXX | Balance : {$18000.00} XXXX  XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$5800.00} XXXX XXXX XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXXXXXX XXXX XXXX Acct XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$5300.00} XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXX XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$730.00} XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$3600.00} LATE PAYMENTS ( XXXX ) The following late payments appear unverified or incorrect. I request validation or removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IL

Complaint narrative:
I have had cashapp for a long time. All of a sudden they close my account. They said it was against there terms. And said there was fraudulent activity, so when I asked them to tell me what is fraudulent on my account they can't answer that question. So I open another account, use it a few times and same thing, they close it with same excuse but can't tell me what is fraudulent. Im so sick and tired of this company playing there games with me. If using my account is fraudulent then cashapp shouldn't be open to people. I've had XXXX accounts closed and they refuse to tell me what I'm doing that fraudulent. I've done nothing wrong and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am disputing the following accounts with TransUnion and request verification and correction of any inaccuracies in the reporting of the following charged-off accounts, inquiries, and late payments : CHARGED OFF XXXX XXXX, XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Status : Charged Off Dispute Reason : I am disputing the charge-off status of this account. Please verify the status and balance. 

XXXX XXXX, XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Account Status : Charged Off Dispute Reason : This account has been inaccurately reported. I request that the status be reviewed and corrected. 

XXXX XXXX, XX/XX/XXXX Dispute Reason : This inquiry should not be listed. I request that it be removed if it is unauthorized or incorrect. 

POSITIVE No positive accounts to report at this time ( or add any details if applicable ). 

LATE PAYMENT XXXX, XXXX Dispute Reason : I dispute this late payment and request verification of the payment history. 

XXXX, XXXX Dispute Reason : I dispute this late payment due to inaccuracies. Please provide verification of the payment history.

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 2025-11-10 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: 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 response to consumer: Closed with non-monetary relief