vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau regarding multiple inaccurate and unverified charge-off accounts that are being reported on my credit file by several furnishers, including XXXX XXXX  ( Account ending XXXX, High Balance {$17000.00}, Opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX, {$1100.00}, XX/XX/XXXX ), XXXX  XXXX ( XXXX, {$400.00}, XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX {$87000.00}, XX/XX/XXXX XXXX XXXX XXXX ( XXXX, {$45000.00}, XX/XX/XXXX ), XXXX XXXX  ( XXXX, {$27000.00}, XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX, {$51000.00}, XX/XX/XXXX ). Each of these accounts is being reported as a charge-off without proper documentation, validation, or verification of the debt. I have disputed these accounts with the credit reporting agencies and directly with the furnishers, but they have failed to provide lawful evidence that these accounts are accurate, verifiable, or legally reportable. This continued reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i and 1681s-2, which require that furnishers and credit reporting agencies maintain and report only accurate and verifiable information. These accounts reflect incorrect balances, opening dates, and statuses, causing serious harm to my creditworthiness and financial reputation. I am requesting that the CFPB conduct a full investigation into these furnishers reporting practices, compel them to provide verifiable proof of the alleged debts, and ensure that any unverifiable or inaccurate items are permanently deleted from my credit report. Failure by these furnishers to verify or correct this information represents negligent and willful noncompliance under FCRA Sections 616 and 617. I respectfully ask that the CFPB enforce corrective action and confirm in writing the results of this investigation and any steps taken to ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am entitled to accurate reporting and protection from fraudulent or unauthorized accounts. These violations are causing substantial harm to my creditworthiness and personal reputation. 
Wrong Addresses : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address has been reported in error. I have never resided here and request its immediate removal. 
These false addresses are negatively impacting my credit report and could constitute violations of FCRA 1681e ( b ) regarding maximum possible accuracy. 
Charge Off Accounts ( I have no knowledge of these accounts and request deletion ) : XXXX XXXX *, Opened XX/XX/XXXX, Balance {$3200.00} Charge Off * * I do not recognize this account and have never authorized it. This appears fraudulent, and I request full deletion. 
These accounts may constitute identity theft or unauthorized activity. Under FCRA 1681i ( a ) and 1681s-2 ( b ), I request immediate verification or deletion. 
Inquiries ( Unauthorized or suspicious inquiries, request investigation and removal ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries and demand their removal from my credit report pursuant to FCRA 1681b. 
I demand a thorough investigation of each disputed item, deletion of all accounts and inquiries that are unauthorized or fraudulent, correction of all inaccurate addresses, and written confirmation from all reporting agencies and furnishers regarding actions taken. Failure to correct these errors constitutes violations of the FCRA and FDCPA and may result in legal action for damages, including emotional distress and damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I had a cash app account. I sonetimes will gef onto online gaming sites. But in the past " XXXX time '' XXXX XXXX XXXX had some fraudulent charges, cash app refunded the money after i filed the disputes. XXXX  months later i recieved more fraudulent charges from fhe same company. I filed disputes and this tine was denyed. Which males no sense. I also remembered XXXX forms of evidence i had to support my claim but obly remembered after i filed, and they didnt. Care to even ask or look at it. Even though i made them aware i had evidnece. So now they have completely closed my account. Also during the tine most recently when tbaf company was trying to charge me cash app was denying them for suspected fraud. But then says im lying. Doesnt make.sense..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I dispute the XXXXXXXX XXXX XXXX  account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) because the high balance amount, last verified date, and date of last activity are inconsistent and conflicting across the XXXX nationwide credit reporting agencies ( XXXX, Equifax, XXXX ). I have disputed this item multiple times. Equifax has responded that the dispute is frivolous and refused further reinvestigation ; XXXX  and TransUnion have not corrected or deleted the inaccurate information. I have requested reinvestigation and documentation from all three bureaus and notified the furnisher to investigate under 1681s-2 ( b ). I request the CFPB investigate whether the bureaus and furnisher complied with the FCRA and order deletion of any information that can not be verified, and provide remedies for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CO

Complaint narrative:
I must unequivocally stress that this complaint is no oversight my credit report is riddled with blatant inaccuracies that fall far short of any acceptable standard of accuracy. These errors are crushing me and relentlessly damaging me in ways beyond comprehension ; these are profoundly challenging times, and it would be an extraordinary relief a genuine salvation if these inaccuracies were corrected or eradicated forthwith.

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 2025-10-29 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: KY

Complaint narrative:
This is a Formal Complaint Against Equifax XXXX XXXX XXXX Reporting To Whom It May Concern, I am filing this complaint against Equifax regarding their handling of my dispute concerning a XXXX XXXX account appearing on my credit report. On XX/XX/year>, I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. Late Payments the count of late payments is inaccurate. Open Date and Close Date the dates are reported incorrectly. Balance the balance being reported is inaccurate. I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via XXXX mail only. In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. Despite the requirements of the Fair Credit Reporting Act, Equifax has never responded in any form. I received no reinvestigation notice, no documentation, and no mailed communication of results. This is a willful violation of federal law and a denial of my consumer rights. Violations of the FCRA and CFPB Regulations Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) Equifax was legally obligated to complete a reinvestigation within XXXX  days. They failed to act altogether. Failure to Notify the Consumer of Results ( 1681i ( a ) ( 6 ) ) Equifax failed to provide me with any written results of the dispute reinvestigation, by mail or otherwise. Failure to Provide Verification ( 1681i ( a ) ) Equifax did not provide the documentation or evidence I demanded to verify the accuracy of this account. Failure to Correct or Delete Inaccurate/Unverified Information ( 1681i ( a ) ( 5 ) ) Since Equifax failed to verify or reinvestigate, the Upstart Network account must be deleted. Failure to Maintain Reasonable Procedures ( 1681e ( b ) ) By continuing to report inaccurate and unverified information without review, Equifax is knowingly harming my credit profile. Resolution Demanded Because Equifax has failed to meet its legal obligations, failed to provide documentation, failed to communicate by XXXX mail as required, and is continuing to report inaccurate and unverified information, I demand immediate corrective action. I demand immediate deletion of the XXXX XXXX account from my Equifax credit file, as well as any other collection company due to either one not being verified by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Account XXXX XXXX which is only on my XXXX  account I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide me with Certified Mail with recipts displaying my signature. If not please delete this account as soon as possible from my report i will have to take legal action. 

I can not even find a account number to add to this.

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 2025-10-29 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: Kriya Capital, LLC
State: GA

Complaint narrative:
b'Fraudulent Accounts and Inquiries (Previously Disputed):\nXXXX. XXXX XXXX\n XXXX\n -\nXXXX XXXX XXXX\n XXXX\n -\nXXXX XXXX\n XXXX\n -\nXXXX XXXX XXXX XXXX\n XXXX\n -\nXXXX XXXX\n XXXX\n -\nXXXX XXXX XXXX\n XXXX\n -\nXXXX XXXX\n Account Number: XXXX\n -\nXXXX XXXX\n Account Number: XXXX\n -\nXXXX XXXX XXXX\n Account Number: XXXX\n -\nXXXX XXXX XXXXn Account Number: XXXXXXXX\n -\nXXXX XXXX XXXX XXXX\n Account Number: XXXX\n -\nThese were not opened or approved by me. They were the result of identity theft, and any delay\nin removing them further harms me.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TN

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 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 2025-10-29 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: TN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am submitting this complaint against Experian regarding a collection account reported by XXXX  that is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed this account with Experian in XX/XX/year>, asserting that the reported information is incomplete and misleading. The furnisher, XXXX, is reporting a {$0.00} balance, which indicates that the account has been paid or is no longer owed. Under the FCRA, reporting a {$0.00} balance while continuing to list the account as a derogatory active collection is inaccurate and misleading, causing significant damage to my credit profile. 

Experian failed to conduct a reasonable investigation as required under FCRA Section 611 ( a ) ( 1 ) ( A ), and did not provide me with any documentation verifying the legal status or accuracy of this account from the original creditor. FCRA Section 611 ( a ) ( 5 ) ( A ) requires that unverifiable or inaccurate information be corrected or deleted.

Additionally, FCRA Section 623 ( b ) requires the furnisher ( XXXX ) to report complete and accurate information and to correct any information found to be inaccurate or incomplete following a dispute. Continuing to report a collection with a {$0.00} balance as derogatory is misleading and not an accurate representation of my current financial responsibility. 

I am requesting the CFPB to require Experian to either : Provide full documentation from XXXX proving the legal basis and accuracy of this derogatory reporting despite a {$0.00} balance, or Delete this account entirely from my Experian credit file in compliance with FCRA Sections 611 and 623.

This inaccurate reporting is causing me financial harm by lowering my credit score and affecting my ability to obtain fair credit opportunities.

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 2025-10-29 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: NH

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX  XXXX - XXXX, XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-10-29 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: CA

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

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 ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/2025 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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX, I received a missed call from Chase Bank at XXXX. A few seconds later, at XXXX XXXX, I received another call from that number, which I answered, lasting XXXX seconds. Subsequently, XXXX hours later, at XXXX XXXX, I received a third call today from Chase Bank, lasting XXXX seconds. I have no business relationship with Chase Bank and expect these calls to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief