vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Summary of Complaint This complaint concerns Experian Information Solutions continued furnishing and publication of inaccurate and misleading information concerning my XXXX XXXX credit-card account, originally opened XX/XX/XXXX. Experian is reporting false, inconsistent, and re-aged data that misrepresents the timing, balance, and payment history of a charged-off account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and XXXX XXXX data-furnishing standards. 
Timeline and Evidence 1. Original record ( generated XX/XX/XXXX Before section ) Status : Account charged off. {$8700.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Balance : {$5700.00} ( updated XX/XX/XXXX ). 
Charge-off period shown XXXX XXXX XX/XX/XXXX. 

XXXX. Current record ( generated XX/XX/XXXX After section ) Status : Account charged off. {$8700.00} written off. {$760.00} past due as of XX/XX/XXXX. 
Balance : {$5400.00} ( updated XX/XX/XXXX ). 
Charge-off period extended XXXX XXXX XX/XX/XXXX. 

These screenshots, taken directly from Experians report # XXXX, demonstrate Experian altered the same tradeline to appear newly delinquent despite no consumer payment, new activity, or sale of debt.

Specific Inaccuracies and Violations Illegal Re-Aging ( 15 U.S.C. 1681c ( a ) ( 4 ) ) Experian advanced the charge-off date from XX/XX/XXXX to XX/XX/XXXX, effectively restarting the seven-year reporting period. 
Duplicate XXXX XXXX ( XXXX ( b ) ) The payment history displays consecutive CO codes from XX/XX/XXXX through XX/XX/XXXX. A charge-off is a single event ; repeating coding inflates derogatory impact. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Experian lists {$760.00} past due as of XX/XX/XXXX. Once charged off, no new past-due amounts should accrue. 
Improper Balance Updates ( 1681s-2 ( b ) ( 1 ) ( A ) ) Balance changed from {$5700.00} {$5400.00} after charge-off despite no consumer payment or debt sale.

Failure to Maintain Maximum Possible Accuracy ( 1681e ( b ) ) Consecutive report discrepancies show Experian failed to verify data integrity upon dispute. 
Additionally, I am currently enrolled in a debt-repayment plan with XXXX XXXX XXXX for this XXXX XXXX account . Experians report fails to reflect the existence of this plan or any reduction in balance associated with ongoing settlement activity. This omission further misrepresents the accounts true status and violates Metro 2 data-furnishing standards and FCRA 1681s-2 ( b ).

Harm These actions materially lower my credit score, interfere with credit availability, and misrepresent my
creditworthiness. The pattern of serial CO entries, date advancement, and omission of debt-repayment program status demonstrate deliberate non-compliance.

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 2025-10-20 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-20 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:
A few months ago, I opened a link that was sent to my email, not realizing it was a fraudulent message. As a result, unauthorized individuals gained access to all of my personal information, including data stored on my cell phone. Since then, new accounts have appeared on my credit report that I did not request or authorize. I contacted Experian to report the identity theft and ask for help, but I have not received any clear or effective solutions. The wait times on the phone are extremely long on several occasions, I have waited over an hour, only to be given no real assistance or resolution. The lack of response and support has only added to my frustration and distress. inquiries that i do not recognize : XXXX XXXX XXXX Inquired on XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year>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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On or about XX/XX/year>, I deposited two official XXXX XXXX XXXXXXXX checks into my Navy Federal Credit Union checking account. The checks were for {$4100.00} and {$19000.00}, issued directly by XXXX XXXX XXXXXXXX, XXXX, DE. 

XXXX XXXX XXXXXXXX has confirmed in writing that both checks were valid and paid to Navy Federal Credit Union. Despite this, Navy Federal closed my account, labeled the deposits as fraudulent, and has not released my funds. 

Under 12 CFR 229.1013 ( Regulation CC ), cleared funds must be made available within 17 business days and any extended hold must include written notice. None was provided.

Under 12 CFR 1005 ( Regulation E ) and 12 CFR 707 ( Truth in Savings ), a financial institution must return all remaining funds within a reasonable period after account closuregenerally no more than 10 business days.

Continued withholding of verified, cleared funds without written justification may also constitute an unfair or deceptive act or practice ( UDAAP ) under 15 U.S.C. 45. 

I completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and provided XXXX XXXX XXXXXXXX documentation verifying that the checks were legitimate and cleared. I am requesting CFPB oversight to ensure Navy Federal releases the verified funds totaling {$24000.00}, removes the fraud classification, and allows me to continue banking as a member in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inclusion of accounts that were not established by me. I respectfully request a thorough investigation and their removal. Enclosures are included.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Please remove debt off of my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address multiple unauthorized inquiries that have appeared on my credit report, which I firmly believe are fraudulent and may be related to identity theft. I have not applied for new credit or granted permission for these companies to access my information. Despite previously disputing these inquiries, they continue to appear on my report. This situation is deeply concerning, as it suggests potential misuse of my personal information and has caused me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-20 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: MI

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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

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 2025-10-20 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: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please correct my credit report by deleting this unauthorized inquiry. I am not connected to the associated creditors, and it should not appear on my file.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
b"I Have Attempted to fix a Problem  With Capital One now three (3) times & this is the Fourth (4)... I have filed 3 complaints in the  Past 30days & Every Time they send a XXXX document to my residents Stating That it is NOT me filing the complaints. The XXXX Tracking Number 4738 9331 7672 came today XXXX. This is the third (3) time Capital One has refused to address the Same issue in the following complaints XXXX  XXXX XXXX XXXX XXXX XXXX have attached a copy of ALL the documents in the XXXX Package i receved today from Capital One.  \nAlso, on theXXXX XXXX  complaint, I attached my XXXX Driver's license to confirm my identity. \nI'm still addressing the Same issues \n I maintained consistent monthly payments on my account until an unforeseen alteration occurred. The financial institution unilaterally charged off the account and simultaneously restricted my access to it. Preventing me from addressing the issue or making payments to it. Subsequently, this action was reported to the credit bureau as a charge-off. Despite the account being charged off, my payment history unequivocally demonstrates that payments were continued up to the date the account was charged off & reported to the Credit Bureau as such. These payments were successfully processed and cleared through my banking institution. However, it appears the institution failed to acknowledge these payments in their internal records, or at the very least, this acknowledgment was not reflected in the account's status or in the information disseminated to me. Adding to the complexity of the situation, even after unilaterally charging off the account, the institution persists in pressuring me to establish a payment program to address the outstanding debit balance. This demand appears contradictory, considering that they closed my access to the account and reported it as charged off, yet still expect arrangements for the very debt they supposedly wrote off.  Capital One continues to send me emails as if the account is Open & set Up Payment options \n\nI have an Active Capital One Account at the same address and Phone Number. I have received no attempts to resolve this issue other than XXXX packages saying they do not know me.\n\nas before i'm attaching the latest Letter & driver's License  Again"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for Account Name : XXXX XXXX Account XXXXXXXX XXXX XXXX  Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX Account Number : XXXX * * Account Name : XXXX XXXX Account Number : XXXX * * Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX Account Number : XXXX * Account Name : XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I have contacted support services almost daily. I do get verified through there system. They tell me that they are unable to override the security code placed on my account. Cash app claims they are unable to verify it's me who owns the account. Enclosed I'm giving you information on how to identify it is intact my account. With direct deposit dates made to my cash app account. My hash tag, also the phone number and email address associated with my account. Yet let me once again confirm to you, I NO LONGER HAVE ACCESS TO THE PHONE NUMBER OR EMAIL ADDRESS FOR THIS ACCOUNT. 

XXXX : XXXX Associated Phone : XXXX EMAIL : XXXX DEPOSITS from XXXX ( SOCIAL SECURITY ) XXXX. {$970.00} XX/XX/year>. {$970.00} XX/XX/year>. {$970.00} XX/XX/year>. {$970.00} XX/XX/year>. {$970.00} TOTAL. {$4800.00}. I have attempted to get the problem resolved for almost 10 months. But to no avail have you offered or even tried assisting with this issue. My account had a security lock placed by you. I've never received any issuing card to replace the card that was takenin a aggrevated robbery. Police report number :. XXXX POLICE DEPARTMENT # XXXX. You are more than welcome to verify this information. I am wanting to get this issue resolved as quickly as possible. Thank you for your time. Again I NO LONGER HAVE ACCESS TO THE PHONE NUMBER and EMAIL ADDRESS ASSOCIATED WITH MY ACCOUNT. Please look into the account details i have enclosed in this complaint. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$12000.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$1300.00} XXXX XXXX XXXX # XXXXXXXX XXXX -Date Opened XX/XX/XXXX -Balance {$2400.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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