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

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding several accounts and inquiries that appear on my Equifax credit report. These items are inaccurate and may have resulted from identity compromise connected to the recent Equifax data breach.

Please investigate the following accounts and remove or correct any unverifiable data immediately : Accounts in Question : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$140.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$940.00} Account Name : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$910.00} INQUIRY : XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
The same inaccurate accounts continue to show up on my credit report, and it is making me extremely frustrated. They were not removed despite everything I have done. I am pleading for a thorough review of the documents I sent so that I can have peace of mind once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested verification of account and nothing was sent. Also the investigation took longer than 30 days

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 2025-11-11 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: NV

Complaint narrative:
I am submitting this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1666, 1666a, 1681i ( 611 ), 1681s-2 ( a ) ( 2 ), 1681s-2 ( b ), and 602 by the credit reporting agencies and furnishers listed below. My credit report contains several inaccuracies that have not been properly investigated or corrected.The XXXX XXXXXXXX ( Acct. XXXX XXXX XXXX ) * * account shows inconsistent Dates of Last Activity ( Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX, and another XX/XX/XXXX ) and is marked current, yet XXXX bureaus report XXXX late payments while Equifax reports none. The XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * account lists a Date of Last Activity of XX/XX/XXXX ( missing on Equifax, XX/XX/XXXX on TransUnion ) and is also current, but still displays a XXXX late payment across all bureaus. Similarly, the XXXX XXXX XXXX  ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * account shows a current status, yet all bureaus report XXXX lates with conflicting activity dates ( Equifax XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX. The XXXX XXXX ( Acct. XXXX ) * account is current but lists XXXX, XXXX, and XXXX late marks across all bureaus, with mismatched Dates of Last Activity ( Equifax XX/XX/XXXX, XX/XX/XXXX XXXX and TransUnion XX/XX/XXXX ) .These discrepancies violate the duty of furnishers under 623 ( a ) ( 2 ) and 623 ( b ) to report accurate and updated information and the credit bureaus obligation under 611 to conduct a proper reinvestigation within XXXX  days of a consumer dispute. The inconsistent and misleading reporting of current accounts as delinquent has caused measurable harm to my creditworthiness and directly undermines the FCRAs core purpose under 602 to assure the maximum possible accuracy of consumer credit information.

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

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unauthorized information being reported under my consumer profile. The information being furnished and maintained on my credit report is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB conduct a thorough investigation into the following items and hold the responsible furnishers and credit reporting agencies accountable for their negligence and willful violations of federal law. These inaccuracies have caused me financial hardship, emotional distress, and denial of credit opportunities, and I seek immediate correction, deletion, and enforcement action. 

ADDRESSES XXXXXX/XX/XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX These addresses are inaccurate or not associated with me. Reporting multiple conflicting addresses violates FCRA Section XXXX ( b ), which requires maximum possible accuracy. I request immediate deletion of all unverifiable addresses under FCRA Section XXXX. 

XXXXXX/XX/XXXX Account XX/XX/XXXXLate Payment * * Date Opened : XXXX Owed : {$0.00} This account shows false late payments. No proof or billing record supports these entries, violating FCRA Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ) ( XXXX ) ( A ). Reporting unverifiable data misrepresents my payment history. I demand deletion or correction with full documentation. 

XX/XX/XXXX AccountXX/XX/XXXX Late Payment * * Date Opened : XXXXBalance Owed : {$0.00} This account also reflects false late payments. No lawful validation or supporting documents have been provided. This violates FCRA Section XXXX ( a ) and FDCPA Section XXXX ( XXXX ). Please remove this inaccuracy unless verified with evidence. 

INQUIRIES FACTUAL DATA XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were done without my consent or permissible purpose, violating FCRA Section XXXX ( a ). Such unauthorized inquiries harm my credit and must be deleted immediately. 

I request that the CFPB investigate these violations under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ), compel the credit reporting agencies and furnishers to provide verified documentation or delete the inaccurate data, and ensure full compliance with consumer protection laws. The recurring reporting of unverifiable, false, and unauthorized information demonstrates negligence and willful noncompliance, warranting corrective and enforcement 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing to formally dispute the accuracy of information appearing on my TransUnion, Experian and Equifax credit report due to a potential data breach that has compromised the integrity of my personal and financial information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a prompt reinvestigation of the following account that I believe is being reported inaccurately as a result of that breach : Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Balance : {$4400.00}

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 non-monetary relief
Consumer complaint received 2025-11-11 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: AR

Complaint narrative:
I am submitting to formally dispute the reporting of XXXX accounts on my credit report that I have determined to be inaccurate and inconsistent across the XXXX major credit bureaus. The first account, XXXX, ending in XXXXXX/XX/XXXXis reported with differing balances and late payment history across TransUnion, Experian, and Equifax. The balance is reported as {$11000.00} on Experian and Equifax, and {$13000.00} on TransUnion. Additionally, the payment history shows late payments ranging fromXX/XX/XXXX days to XX/XX/XXXX days in various months, with inconsistencies in dates and delinquency periods between the bureaus. These inconsistencies misrepresent my actual payment history and create confusion regarding the accounts status and my creditworthiness. 
The second account, XX/XX/XXXX, ending in XXXXXX/XX/XXXXand XXXXXX/XX/XXXX, is reported as closed on TransUnion and Experian, while Equifax continues to report it as open. The balance is {$0.00} across allXX/XX/XXXX bureaus, and the payment history shows occasionalXX/XX/XXXX-day delinquencies that do not match my records. Reporting this account inconsistently across the bureaus misrepresents my credit behavior and creates a misleading profile for lenders and other entities relying on my credit report. 

Under 15 U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. I request that each credit bureau conduct a reasonable reinvestigation of these accounts, including contacting the furnishers to verify the correct balances, late payment history, and account status. Any inaccuracies discovered must be corrected and updated to reflect my actual records. Additionally, 15 U.S.C. 
XXXX ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. XXXX ( a ) prohibits reporting misleading, incomplete, or inaccurate information.

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 2025-11-11 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: CA

Complaint narrative:
I am submitting to formally dispute the inaccurate addresse that have appeared on my credit report. I believe the information in question is outdated or incorrect and does not reflect my current financial or residential history. As a consumer who values accuracy in credit reporting, I am requesting that a thorough investigation be conducted, and the necessary corrections be made to my credit file. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Under FCRA XXXX ( a ) ( 15 U.S.C XXXX ), which addresses obsolete information, I request that these incorrect addresses be removed immediately from my credit history. Their continued presence is not only misleading but also unfairly affects my creditworthiness. According to FCRA XXXX ( a ) ( XXXX ), credit inquiries must be made for permissible purposes, and I do not recall authorizing the ones listed. I am requesting that these inquiries be investigated and removed if they are found to be unauthorized.

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 2025-11-11 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: FL

Complaint narrative:
I am submitting to formally dispute an inaccuracy reported on my credit report regarding a late payment on my XXXX account. I have always made it a priority to manage my financial responsibilities responsibly, and this reported late payment does not reflect my actual payment history. 
XXXX XXXX Balance : {$3500.00} Late Days : XXXX days XXXX 2025 Under the Fair Credit Reporting Act : XXXX ( 15 U.S.C XXXX ) provides my right to dispute inaccurate information with credit bureaus. XXXX ( a ) ( XXXX ) imposes a duty on furnishers to correct and update information they provide. XXXX ( b ) requires that furnishers investigate disputes and verify the accuracy of the information they report. XXXX emphasizes the Congressional purpose of ensuring consumer reporting is fair, accurate, and confidential.

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 2025-11-11 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
-I was scammed out of {$100.00}. I was scammed by somebody pretending to be a company. They told me to enter loan in the message part. I know its a mistake on my end. But the fact cash app keeps denying my claim is insane. Ive attached rock solid proof and they denied my claim. This is crazy. Somebody can scam you and get away with it.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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 disputing the following items on my Experian credit report : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : 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 2025-11-11 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: SC

Complaint narrative:
I am sending this letter after reviewing my Experian, Equifax and XXXX report in great detail. The review was both revealing and concerning. I am not disputing that I have held credit accounts ; rather, I am asserting my right to have only verified, truthful, and current information reflected in my credit file. I am asking Equifax to conduct a thorough reinvestigation of each accounts listed below, verify them with the original furnishers and make any necessary corrections so that my report reflects a clear honest record of my credit history. 

XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX XXXX XXXX Balance {$590.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX XXXX, XXXX days XXXX 'S XXXX XXXX XXXX {$2500.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX {$1400.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX 'S XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, 60 DAYS XXXX XXXX XXXXXXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, XXXX days XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 30 DAYS XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX late XXXX, 60 days XXXX XXXX XXXX XXXX {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE XXXX, XXXX, 90 DAYS XXXX XXXXXXXX Balance {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX LATE 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 2025-11-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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