vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX I attempted to freeze my credit with Experian on their website. After following prompts and entering my information, the website told me that it was unable to verify my information, and that I should call them at XXXX  to continue. I have since tried at least twice more on their website, so I'm certain that incorrect information is not the problem. \XXXX XXXX XXXX, I called the number provided, which connected me to an automated system. After following the prompts to freeze my credit, and providing my information, the system simply directed me back to their website. \XXXX a further attempt, I later tried following the prompts to create an account, instead of freeze credit. After following the prompts, the system hung up on me citing lack of correct information.\n\nI also tried to have it connect me to an operator, but it informed me that it was unable, refusing several requests, and instead directed me back into the loopXXXX  this point, I attempted to reach out to the company for information. The don't provide any clear alternate way to contact them on their website, but I found another customer service number XXXX XXXX XXXX. This number directed me to another automated system. This system also refused to connect me with an operator, and insisted I tell it my purpose. After saying I was trying to freeze my credit, it returned me to the first automated from earlier.\n\nI know that they are legally required to respond to my requests for a credit freeze, by phone or online, but have instead opted to trap me in an absurd loop of automated system, providing no way for me to contact them."

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 2025-08-08 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 did not authorize these accounts, and I suspect they are fraudulent. I request that you look into the matter and delete them from my credit record. Attached are the necessary 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent accounts into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The accounts in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted these accounts without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Equifaxs actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-08-07 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: NJ

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2025-08-08 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
I am filing a complaint against Experian for repeatedly reporting inaccurate and incomplete information, failing to conduct a reasonable investigation, and violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ).

Background & Timeline : On XX/XX/2025, I sent Experian a certified letter requesting verification of several accounts. 

Experian responded claiming the accounts were verified, yet multiple factual errors remained. 

I sent a follow-up dispute on XX/XX/2025, again by certified mail, specifically detailing persistent errors. 

After my letter they received certified mail on XX/XX/2025, Experian provided dispute results, claiming the information had been updated or verified, yet the most critical issues were still unresolved or ignored. 

I am still seeing the same inaccurate data on my report today, despite multiple good-faith efforts to have it corrected. 

Account XXXX : XXXXXXXX XXXX XXXX  Experian This account is listed as charged off, yet Experian is still reporting a past due balance of {$20000.00}. This is inaccurate charged-off accounts are considered closed and written off ; there should be no ongoing past due balance. 

Experian has failed to include the original monthly payment amount and high balance, both of which are required under Metro 2 credit reporting standards for installment accounts, even when charged off or closed.

These errors were present before my first dispute and still remain after two rounds of verification, indicating Experian did not conduct a proper investigation as required by law. 

Account XXXX : XXXX XXXXXXXX XXXX  Experian This account is also listed as charged off, yet Experian is reporting a past due balance of {$570.00}, which is misleading and inaccurate for a charged-off account. 

Initially, Experian reported the high balance as {$0.00}, which was factually incorrect. Only after my dispute did they correct it to {$570.00}, proving the original report was inaccurate. 

The monthly payment field is still blank, making the report incomplete and failing to reflect the original terms of the account. 

Again, Experian claimed the account was verified but left multiple errors in place, showing a failure to perform a reasonable investigation. 


These errors are harming my creditworthiness and Experians repeated failure to correct them is a clear violation of federal law. 

Supporting Documentation : I have kept copies of : My certified mail receipts Experians responses

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 2025-08-08 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: CA

Complaint narrative:
I take pride in maintaining a good payment history. This late payment seems inconsistent with that and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against TransUnion for repeatedly failing to correct inaccurate information on my credit report, despite sending them multiple disputes over a long period of time. This is now my tenth dispute round, and the same false data remains on my file with no proper verification or removal. 

The inaccurate information includes : Wrong addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at or been associated with these addresses. 

Unauthorized inquiries : XXXX XXXX ( XX/XX/year> ) and XXXX XXXX ( XX/XX/year> ) I never applied for credit, employment, or insurance that would justify these inquiries, nor did I give any consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in the information they report. Under 15 U.S.C. 1681i ( a ), they are also required to conduct a reasonable reinvestigation of any disputed item and delete or correct information that is inaccurate, incomplete, or unverifiable. For inquiries, 15 U.S.C. 1681b ( f ) prohibits furnishing a consumer report without a permissible purpose.

Despite citing these laws in my disputes, TransUnion has either verified the information without providing any proof or ignored my concerns entirely. They have never provided documentation showing how they confirmed the wrong addresses or unauthorized inquiries. This pattern of behavior demonstrates negligence and possible willful noncompliance with the FCRA.

These inaccuracies have harmed me by lowering my credit score, creating the appearance that I have lived at addresses I never occupied, and suggesting that I have applied for credit when I have not. This can negatively impact my ability to obtain credit, employment, and housing.

I am requesting that the CFPB investigate TransUnions repeated failure to correct my credit file and enforce compliance with the FCRA. I am also requesting that these inaccurate addresses and unauthorized inquiries be deleted immediately, and that TransUnion be required to implement proper procedures to prevent this from happening again.

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Earlier today, XX/XX/XXXX at approximately XXXX. A man came in person to my former residence where I no longer live and spoke with my parents, disclosing personal information about a debt allegedly owed by me. He did not identify himself by name or show any identification, but he stated that he worked for the city or county and was connected to Synchrony Bank. He also claimed he would continue showing up until he found me, which was clearly intended to intimidate and harass.

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 2025-08-08 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: NY

Complaint narrative:
I have been asking for investigation for this issue and nothing has had.its since has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next XXXX days. Ive included documents that explain my situation.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing to formally request validation of a debt reported on my credit report under the name XXXX XXXX, account number ending in XXXX. 
According to my records, the account shows the following information : - Original Balance : {$16000.00} - Current Balance : {$15000.00} - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX - Last Payment Date : XX/XX/XXXX - Charged Off : XX/XX/XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following : - The name and address of the original creditor - The amount of the debt - A detailed statement and breakdown of how the amount was calculated - Proof that you are legally authorized to collect on this debt - A copy of the original contract bearing my signature Please consider this a formal dispute of the above-mentioned account. Until the requested information is provided, I request that you cease any collection efforts and not report or continue to report this account to any credit reporting agencies. 
This is not an acknowledgment of liability for any debt. I am simply requesting validation per my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> there was 6 different transactions made for an online casino. Upon reporting it I told them I never made those transactions, them they told me to contact the website which I wasn't able to get a hold of anyone. Then they reversed the funds back to my account and told me they would investigate the situation. As of XX/XX/year> I got an email that my account was reversed on those claims and when I called they told me I wasn't providing enough information and I simply told them I gave you everything to my knowledge. Then they said I'm basically XXXX  and lost out for not providing enough information for which I couldn't get a hold of that website support. Wells Fargo isn't very helpful when it comes to people with fraudulent activity.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
Credit card company, XXXX, collected a payment from my XXXX checking account without authorization on XX/XX/year> in the amount of {$35.00}. Autopay is off and I did not authorize the payment.

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 2025-08-08 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: IL

Complaint narrative:
This account is inaccurately reported across credit bureaus as both a charge-off and a collection. Additionally, the payment history reflects charge-off statuses for several months after the account was closed, and the account is still being marked derogatory even though the balance is {$0.00}. These inaccuracies directly violate my rights under the FCRA. 

Violations of the FCRA : FCRA 1681e ( b ) : Failure to ensure accurate reporting.

FCRA 1681i : Failure to reinvestigate disputed information within XXXX  days.

FCRA 1681s-2 : Reporting inaccurate information with actual knowledge of errors.

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