vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-05 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-05 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-05 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-05 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: FL

Complaint narrative:
I am filing a complaint to dispute several errors on my credit report that are inaccurate, misleading, and incomplete, and that are negatively affecting my credit. My account with XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, showing a XXXX balance, has been incorrectly labeled as a XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  also shows a XXXX balance but is inaccurately reported as Late Close. My accounts with * XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX all with XXXX balances, are similarly misreported. These inaccuracies violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting, and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which gives me the right to dispute and have incorrect information reinvestigated and corrected. 
I also have XXXX XXXX XXXXXXXX accounts listed as charge offs with balances of {$24000.00}, {$8800.00}, and {$1500.00}. These charge-offs are reported without any IRS Form 1099-C, making the information incomplete and unverifiable. These accounts violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) due to inaccurate reporting, and FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) because the furnisher is obligated to correct or update information they know to be inaccurate. 
In addition, my credit report shows inquiries that I never authorized. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwere all pulled without my consent. These inquiries violate FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), which limits the purposes for which a consumer report can be accessed, and FCRA 619, 15 U.S.C. 1681q, which prohibits obtaining consumer information under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I am filing a complaint to dispute several errors on my credit report that are inaccurate, misleading, and incomplete, and that are negatively affecting my credit. My account with XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, showing a XXXX balance, has been incorrectly labeled as a XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  also shows a XXXX balance but is inaccurately reported as Late Close. My accounts with * XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX all with XXXX balances, are similarly misreported. These inaccuracies violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting, and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which gives me the right to dispute and have incorrect information reinvestigated and corrected. 
I also have XXXX XXXX XXXXXXXX accounts listed as charge offs with balances of {$24000.00}, {$8800.00}, and {$1500.00}. These charge-offs are reported without any IRS Form 1099-C, making the information incomplete and unverifiable. These accounts violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) due to inaccurate reporting, and FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) because the furnisher is obligated to correct or update information they know to be inaccurate. 
In addition, my credit report shows inquiries that I never authorized. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwere all pulled without my consent. These inquiries violate FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), which limits the purposes for which a consumer report can be accessed, and FCRA 619, 15 U.S.C. 1681q, which prohibits obtaining consumer information under false pretenses.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: AL

Complaint narrative:
My SSI was going to was going to cash out for deposit the cash out deactivated my account which they said that they sent the money went back to social security which they have screens which they have sent me several emails saying and showing me that it had went back to social security The first one they sent me said it went back on the XXXX The second one it says it went back on the XXXX but when I call social security they said they have not received a show anything of no money being sent back or refund it back to them from cash ad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit but also damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account and dispute, with all my personal information to verify my identity to help expedite this process.

By provision of 15 USC section 168Li of the fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show PAID IN FULL/AS AGREED or remove this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outline is completely inaccurate and there is a very serious error in reporting, please update this information : Account Name : XXXX XXXX XXXX Account # : XXXX This account is listed as a collection/charged off account on my credit report, but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099 to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete it immediately. 

Pursuant to 15 US section 168l i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy of and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses in my report when its time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. 

Thank you

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 2025-09-04 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: NJ

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX concerning inaccurate credit reporting and a discrepancy with a Form 1099-C, Cancellation of Debt, that I received. 

The original account was an auto loan with XXXX XXXX XXXX, with account number XXXX. According to my Experian credit report, this account was sold to XXXX XXXX XXXX XXXX and was reported as " Closed, {$1000.00} written off '' as of XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a Form 1099-C for the amount of {$810.00}, stating that this amount of debt was discharged or canceled. The account number on this form is XXXX. 

There are three major issues with this situation : Discrepancy in Amount : The amount of debt written off on my credit report ( {$1000.00} ) does not match the amount of debt canceled on the 1099-C ( {$810.00} ). This is inaccurate and misleading information.

Inaccurate Reporting : The credit report continues to show a charge-off status without indicating that the debt has been fully canceled and forgiven. The issuance of a 1099-C signifies that the debt has been legally discharged, and the credit report should be updated to reflect this fact, showing a XXXX  balance and a status of " debt settled for XXXX XXXX  or " debt forgiven. '' Conflicting Account Numbers : The account number on my credit report ( XXXX ) does not match the account number on the 1099-C ( XXXX ). This inconsistency makes it difficult to track and reconcile the debt accurately. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ). I have attached copies of my Experian credit report and the 1099-C form as proof. 

I request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to immediately correct the inaccurate information on my credit report with all three major credit bureaus ( Experian, XXXX XXXX XXXX ) to reflect that the debt has been canceled and that the balance is XXXX. 

Thank you for your attention to this serious matter. 

Sincerely, 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 2025-09-04 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: NJ

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXX Regarding Inaccurate Credit Reporting ( Account # XXXX ) To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX concerning inaccurate credit reporting and a discrepancy with a Form 1099-C, Cancellation of Debt, that I received. 

The original account was an auto loan with XXXX XXXX XXXX, with account number XXXX. According to my XXXX credit report, this account was sold to XXXX XXXX XXXX XXXX and was reported as " Closed, {$1000.00} written off '' as of XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a Form 1099-C for the amount of {$810.00}, stating that this amount of debt was discharged or canceled. The account number on this form is XXXX. 

There are three major issues with this situation : Discrepancy in Amount : The amount of debt written off on my credit report ( {$1000.00} ) does not match the amount of debt canceled on the 1099-C ( {$810.00} ). This is inaccurate and misleading information. 

Inaccurate Reporting : The credit report continues to show a charge-off status without indicating that the debt has been fully canceled and forgiven. The issuance of a 1099-C signifies that the debt has been legally discharged, and the credit report should be updated to reflect this fact, showing a XXXX  balance and a status of " debt settled for XXXX  '' or " debt forgiven. '' Conflicting Account Numbers : The account number on my credit report ( XXXX ) does not match the account number on the XXXX ( XXXX ). This inconsistency makes it difficult to track and reconcile the debt accurately. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ). I have attached copies of my XXXX  credit report and the 1099-C form as proof. 

I request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to immediately correct the inaccurate information on my credit report with all three major credit bureaus ( XXXX XXXX  and TransUnion ) to reflect that the debt has been canceled and that the balance is XXXX. 

Thank you for your attention to this serious matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX.However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX.However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The 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 2025-09-05 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-04 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: TX

Complaint narrative:
I am writing to formally file a complaint against XXXXXXXX XXXX XXXXegarding my account # XXXXXXXX XXXX XXXX XXXX XXXX  My account, opened on XX/XX/year>, currently shows a balance of {$1600.00}. I have identified incorrect reporting of late payments on this account, which is inaccurate and has adversely affected my credit report. 

Despite my efforts to resolve this matter directly with XXXXXXXX XXXX  they have failed to provide validation or correct the inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers to report accurate and complete information to credit reporting agencies. Reporting a late payment without proper verification constitutes a direct violation of federal law and is causing me demonstrable financial harm.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is unlawful for a debt collector to provide false, misleading, or deceptive information regarding a debt. The reporting of late payments that are unverified or incorrect is precisely such behavior. 

I request the following actions be taken immediately : Complete investigation of the inaccuracies reported by XXXXXXXX XXXX  on my account # XXXXXXXX XXXX XXXX XXXX XXXX 

Correction or removal of any incorrect late payment entries from all credit reporting agencies. 

Written confirmation from both XXXXXXXX XXXX and the credit bureaus reflecting the correction of my account. 

XXXX that no further violations of federal law occur in relation to my account.

Company response to consumer: Closed with explanation