vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
My Equifax credit report dated XX/XX/XXXX, contains several inaccurate and derogatory entries that I previously attempted to dispute without resolution. 

First, the report lists multiple addresses I never lived at, including XXXX in XXXX XXXXXXXX XXXX  and XXXX in XXXXXXXX XXXX. These entries appear to be either misattributed or linked to mixed credit files. They have caused confusion and reporting errors, and have not been removed after prior disputes. 

Second, several credit accounts are either charged off, sent to collections, or showing prolonged delinquencies that I believe are inaccurate, unverifiable, or outdated. These include : A student loan account reporting a balance of {$60000.00} and over XXXX days past due as of XX/XX/XXXX. The account was first delinquent in XX/XX/XXXX, but I was never notified of repayment resumption or given a chance to resolve it. 

XXXX charged-off XXXX XXXX accounts totaling more than {$12000.00}, some of which were closed or settled over a year ago, yet continue reporting active past due balances or duplicate delinquencies. 

A XXXXXXXX XXXX account reporting {$3100.00} as charged off with over XXXX months of negative history and inconsistent payment notations. 

A XXXX XXXX credit card ( XXXX ) showing a {$2200.00} charge-off, with the balance exceeding the credit limit and XXXX months of negative status reporting. 

A collection account from XXXX XXXX XXXX with a balance of {$2600.00}, linked to XXXX. I never received debt validation, and the dispute flag was not honored in follow-up updates. 

A mortgage account showing XXXX late payments as of XX/XX/XXXX, without any communication or formal notices about payment delinquency. 

An auto loan showing a single XXXX late mark, despite no proof that payment was missed or late in that billing cycle. 

These accounts have not been verified with original documents or payment histories and remain on my report after prior dispute attempts. I am requesting that Equifax and all relevant furnishers either fully verify these accounts or delete them in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Higher Education Act ( HEA ), depending on the account type and creditor involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-22 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within XXXX  days. Please find the enclosed supporting documents.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: NY

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and iam requesting a full investigation under the Fair Credit Report Act ( FCRA ). Please remove this unverifiable item. 
Clean. Legal. Powerful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by PORTFOLIO RC Original Creditor for a credit card account that was previously issued by XX/XX/XXXX I formally disputed the accuracy and completeness of this account, yet PORTFOLIO RC Original Creditor failed to conduct a proper investigation, continued collection efforts while the dispute was still active, and provided no verification or documentation supporting their claim. 
This is a violation of my rights under 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of disputed information and to consider all relevant evidence provided by the consumer. Despite this legal obligation, the account was verified as accurate without addressing the concerns I raised. In addition, PORTFOLIO RC Original Creditor has misrepresented the legal ownership of this alleged debt. I have reason to believe this account was securitized byXX/XX/XXXXand sold into a trust for investors. While the original creditor may now be acting as a servicer, it appears the debt was improperly and illegally transferred to PORTFOLIO RC Original Creditor. I have not been provided with any documentation proving a lawful transfer of ownership.

I am demanding to see the chain of assignment and purchase agreement to verify who actually owns the debt. If PORTFOLIO RC Original Creditor does not legally own the debt, their collection activities and reporting of this account violate 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with debt collection. The details of my dispute and document request are outlined in the letter attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) to formally dispute the reporting of multiple inaccurate and unlawful accounts on my credit report. These items are damaging, unverifiable, and reported in violation of federal statutes governing consumer data accuracy, completeness, and fairness. 

The following tradelines must be immediately and permanently deleted from all credit bureau files : 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 XXXX XXXX XXXX XXXX XXXX XXXX late payment Several of these accounts, listed as charge-offs , may have triggered the issuance of IRS Form 1099-C and are thereby canceled debts. Under IRS Publication 4681, once a debt has been charged off and reported as canceled income, it is no longer legally collectible. Reporting or attempting to collect on these debts afterward is not just unethicalit is unlawful. 

These items violate my rights under 15 U.S.C. 1681e ( b ) ( accuracy ), 1681s-2 ( a ) ( 1 ) ( A ) ( unverified data ), and 1681i ( failure to reinvestigate ). Their inclusion has resulted in reputational damage, emotional distress, and denied access to financial services. 

I therefore demand full deletion of these accounts, not correction. You are required to conduct a good-faith investigation and delete all unverifiable, inaccurate, or obsolete entries. Further reporting or collection efforts will be viewed as harassment under 1692d ( 2 ) and a continued violation of 1692c and 1692g ( a ) of the FDCPA. 

This is a formal legal notice. You are required to respond within ten ( 10 ) days as allowed by 15 U.S.C. 1681n and 1692k. Noncompliance will be considered willful and may subject you to civil liability. 

Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n. 
I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Last year on XX/XX/year> cashapp would allow me to access my money off the card when it show that the money was there and my card was unlocked. Then the money started glitching then stop and my money was gone! Customer service didnt know wat happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), I request that you immediately investigate and remove the following derogatory entries and inquiries, which I believe are inaccurate and potentially the result of unauthorized activity. 
Furthermore, in light of the Experian data breach that exposed millions of consumers personal information, I have serious concerns that my identity and data may have been compromised and misused. 

Disputed Account : Account name : XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is not recognized and may be the result of fraud or identity misuse. I request that you investigate and delete it if it can not be fully verified with original documentation and proper authorization. 

Disputed Hard Inquiries : 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 These inquiries were not authorized by me and do not reflect any applications I initiated. Under FCRA 604 ( a ), consumer reports may only be accessed with a consumers explicit consent and for a permissible purpose. If these inquiries can not be substantiated with signed consent or verifiable purpose, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Self Financial Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I have been the victim of identity theft. 
On XX/XX/year>, I discovered fraudulent activity involving my personal information. While reviewing my credit report, I noticed unfamiliar accounts had been opened in my name. Specifically, I found that unauthorized accounts had been opened with Self, XXXX XXXX XXXX, and possibly other financial institutions associated with the Self platform. 
I did not open or authorize these accounts and have no affiliation with the individuals who did. I am currently working with the relevant credit bureaus to dispute these entries and have initiated the process of filing an identity theft report with the Federal Trade Commission. 
Please consider this letter as an official notice of the fraudulent activity and a request to take all necessary steps to investigate and remove these accounts from any records or systems in which they appear under my name. 
I am prepared to provide any further documentation or identity verification needed to support this case, including a police report or FTC Identity Theft Report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion is reporting a XXXX  XXXX Bankruptcy under docket number XXXX, and I have serious concerns regarding its continued appearance and the accuracy of the data being distributed to third parties. This bankruptcy is long outdated, and the persistent presence of this derogatory item years after its discharge is not only harmful but potentially unlawful if it exceeds the reporting period outlined in the Fair Credit Reporting Act. Under 15 U.S.C. 1681c ( a ) ( 1 ), no consumer reporting agency may make any consumer report containing bankruptcies older than 10 years from the date of adjudication or discharge. If this information is being reported past that period or lacks any current verification from the public record, it is a clear violation of federal law. 

Additionally, with the widespread and well-documented breaches of sensitive consumer data across the credit industry, I am compelled to question whether this reporting has been properly verified and whether TransUnion can confirmusing documentation from the original court or official public recordsthat the entry belongs to me and remains legally reportable. Consumers have a right to expect not only timeliness but accuracy and relevance in the information shared about them. TransUnion has an affirmative duty under 15 U.S.C. 1681i to conduct a meaningful reinvestigation when consumers raise legitimate disputes, and a generic " verified '' response is insufficient if not backed by actual evidence from the source.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a previous complaint issued with the Consumer Financial Protection Bureau ( COMPLAINT ID ( XXXX ) XXXX ) that describes the situation. I have ongoing issues with this bank, with today being an exemplary example of their misconduct and poor business practices. Please see attached picture. A subpoena of their phone calls with me will reveal more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
My identity was stolen and someone opened up an account with self and other self accounts. Also with XXXX XXXX XXXX  I found aMy identity was stolen and someone opened up an account with self and other self accounts. Also with XXXX XXXX XXXX  I filed a ftc report and police report I need this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am filing this complaint because Experian is inaccurately reporting a variation of my name as " XXXX XXXX XXXX '' in my credit file. This is not my correct legal name and I have never used or authorized the use of this variation. The inclusion of this incorrect name raises serious concerns regarding the integrity of my consumer file and whether Experian is ensuring that my personal identifying information is being accurately and lawfully maintained in accordance with the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), Experian has a legal obligation to follow reasonable procedures to assure maximum possible accuracy in the consumer reports it produces. Allowing an unauthorized or incorrect name variation to persist in my file indicates a breakdown in those procedures. 

This kind of inaccuracy opens the door to serious consequences. A misreported name can result in the merging of credit data belonging to someone else, inaccurate credit reporting, or even the association of my file with accounts or derogatory entries that do not belong to me. Furthermore, in todays environment of frequent and widespread data breaches across financial institutions and credit reporting agencies, it is critical to question whether this inaccuracy is the result of compromised or mismatched personal information. Experian must be held accountable for ensuring the utmost accuracy in my personal identifiers and eliminating outdated or erroneous data that may contribute to misleading credit evaluations.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/year> fraudulent charges were made to our credit card to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. We promptly reported the fraud to US Bank and had card closed and they issued replacements. We were told a fraud investigation would be launched and we would be contacted. 

Roughly a week or so later we received one of the fraudulent purchase the XXXX. I called US Bank and alerted them I was told to contact the vendor and inquire about returning the product. When we finally were able to get them on the phone we were told to keep or destroy the product. They stated that " If your Bank calls we will not dispute the fraud. '' Not long after this XXXX XXXX sends thank you for our re occurring donation aka the other fraudulent charges. 


Today we received mail from US Bank stating " We received benefit from the transactions. '' Therefore we are being charged. There was zero investigation US Bank never once reached out to us or left any kind of communication stating we had tried to be reached. We were initially told they'd contact us " within 30 days '' but assumed being the vendor said they were not disputing the fraud that it had been resolved.

Never once did US Bank talk to us outside of us repeatedly calling them the first few weeks trying to figure out what was going on. This is insanity that a scammer can steal your information order product and if they can't finish the scam you're stuck with the bill. US Bank did zero investigation!

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
am submitting this complaint because Equifax is reporting a XXXX  XXXX Bankruptcy under docket number XXXX, and I believe this entry is being reported inaccurately, with outdated or unverifiable data that may no longer be legally reportable. Not only is it unclear whether the record still falls within the allowable 10-year reporting period under 15 U.S.C. 1681c ( a ) ( 1 ), but I also have doubts that Equifax has reverified this item through any official public record or direct court documentation. If the date of discharge or adjudication exceeds the 10-year limit, or if Equifax can not provide verifiable source documentation, the record must be removed.

Furthermore, recent findings by the Consumer Financial Protection Bureau have raised significant concerns about Equifax 's systemic failure to conduct proper reinvestigations. In fact, the CFPB alleges that Equifax violated its obligations by engaging in sham investigations, effectively rubber-stamping disputes without obtaining proper verification from furnishers or public records. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to perform a reasonable and thorough reinvestigation of disputed items. If the agency can not independently verify this bankruptcy through certified public records, especially considering the record is now more than five years past its verification date ( XXXX ), it must be considered unverified and promptly deleted. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be removed from the consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: RI

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