vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : 1. XXXX Account # : XXXX - Date Opened : XXXX Balance : {$15000.00} NQUIRIES : 1. XXXX  - XX/XX/year> 2. XXXX XXXX XXXX  - XX/XX/year> 3. XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: PA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am reporting identity theft. Accounts and/or credit inquiries were opened in my name without my permission. I did not authorize these accounts, transactions, or the use of my personal information. I discovered the issue after seeing unfamiliar accounts and alerts on my credit reports. I contacted the companies involved and confirmed that I did not open these accounts. I am requesting that these fraudulent items be removed, that any collection activity stop, and that my credit file be corrected to reflect that I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
I am disputing the accuracy of the Self Financial tradeline because it contains several factual errors that are harming my credit score.

Self Financial is reporting : A past-due amount of {$210.00} even though the secured credit limit was only {$120.00} XXXX delinquencies in XX/XX/XXXX and XX/XX/XXXX, even though the account was closed on XX/XX/XXXX Conflicting account status information ( XXXX XXXX vs. Unpaid balance charged off ) An incorrect payment history showing activity after closure An inconsistent Date of First Delinquency ( DOFD ) Different information across XXXX, XXXX, and XXXX  A closed account can not legally report new late payments or new delinquencies. A past-due balance can not legally exceed the secured credit limit. These issues indicate Self Financial is furnishing information that is inaccurate and inconsistent with the original account terms.

I asked Self to provide the documents they used to verify the tradeline, including the DOFD, payment records, and any documents provided to the credit bureaus, but they have not provided these. 

These errors violate the FCRAs requirement of maximum possible accuracy. Because the account can not be verified correctly, I am requesting that Self Financial delete the tradeline or correct the reporting to remove the inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed inaccurate information with TransUnion and requested a reinvestigation. TransUnion failed to provide the required method of verification or original documentation. One account reports inconsistent payment history across bureaus, and another is reporting past the legal 7-year limit for delinquency. TransUnion left the items unchanged without proper verification, which violates FCRA 605 ( a ) ( 5 ) and 611. I am requesting CFPB assistance to ensure a lawful reinvestigation or deletion of unverifiable accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: NY

Complaint narrative:
An account from Elan XXXX XXXX continues to appear on my credit report and is being reported as charged off. The account shows inaccurate and outdated information, including ongoing delinquency reporting. l submitted written disputes to verify this account and requested that Elan XXXX provide documentation supporting the accuracy of the reporting, but no supporting documentation or validation has been provided. 
I am also requesting confirmation of whether a 1099-C ( Cancellation of Debt ) was filed with the IRS for the charged-off account, as required by federal regulations. Elan XXXX has not provided this information. This situation has caused continued harm to my credit profile and violates the accuracy and reinvestigation standards outlined under 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 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
I paid off the amount for my bad service and trapped horrible contract. The company did not help me dispute my charge or help me, but instead they want to collect money from even over the amount paid. And they threatened to ruin my credit that I am working on building. They asked for documentation and all I have is a bad and mean contract which I felt forced to sign. I explained it to them but they dont care. They only find excuses to take money from even though they didnt do the right job and the experience plus service was horrible. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I sent formal written debt validation requests beginning in XX/XX/year> and again on XX/XX/year> regarding multiple alleged XXXX XXXX accounts. 

Zwicker & Associates responded only with photocopies of billing statements and a generic cardmember agreement. This does NOT meet the legal standards for validation under FDCPA 1692g ( b ) because they failed to provide : Proof of account ownership or assignment Chain of title documentation Sworn custodian affidavit Evidence of lawful standing to sue Despite failing to validate, Zwicker continued collection activity by attempting service of a lawsuit at my residence. This is a direct violation of FDCPA 1692g ( b ). 

In addition, I have received repeated automated text messages related to these accounts from XXXX XXXX XXXX XXXX Investments, despite my disputes and lack of consent, constituting further violations of FDCPA and TCPA.

I notified all parties multiple times that their validation was deficient and that the statutory collection freeze remained in effect. Despite XXXX written notices, collection attempts continue. 

I am requesting the Consumer Financial Protection Bureau require : Immediate cessation of all collection activity Confirmation of legal standing and validation compliance Deletion of all inaccurate credit reporting Investigation for FDCPA and XXXX violations These actions reflect willful noncompliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis-Nexus provided XXXX with incorrect information, such as a " pause in auto insurance, '' when in reality, after returning a rental car, we used our son 's car for a few months, which was insured in his name. Therefore, there was no such pause ; we simply didn't have a vehicle registered in our name to insure. We wrote to Lexis-Nexus twice, and they never responded. This inaccurate information from Lexis-Nexus negatively impacted our creditworthiness and increased our auto and boat insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable late payment information appearing on my credit report. Upon reviewing my report, I found several discrepancies regarding the payment history reported for the following account ( s ) : Creditor Name XXXX XXXX XXXX XXXX Account Number ( Last 4 Digits ) : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX This account reflects late payments that are inaccurate and not consistent with my actual payment history. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), all information furnished to consumer reporting agencies must be 100 % accurate and verifiable. Additionally, 15 U.S. Code 1681i ( a ) ( 5 ) requires credit bureaus to delete or correct any information found to be inaccurate or unverifiable after reinvestigation.

I am requesting that your agency conduct a full reinvestigation of the information reported for the above account. Please verify the accuracy of each late payment with the original creditor and provide written evidence of such verification. If you are unable to verify the accuracy of the data, federal law requires that the information be deleted or corrected immediately. 

Please send me written confirmation once the reinvestigation is complete, along with an updated copy of my credit report reflecting any deletions or corrections. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My XXXX  has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TN

Complaint narrative:
Hi my name is XXXX and I have been suspended from my account. I don't know why other than they said that I violated some kind of guidelines which I didn't know I had even done until on XX/XX/year> I tried to move some money back out of XXXX and into my regular cash app account when it said that because of something that I had done that I have been suspended of usage of cash app. I will admit that I sent some funds to someone who I thought was ok but obviously they were not. The four that I suppose you will be looking into is XXXX XXXX XXXX XXXX The four that I show we're all on XX/XX/year>. XXXX was at XXXX the next was at XXXX the third was at XXXX and the fourth was at XXXX XXXX. The first XXXX  were for the same amount of XXXX the third was XXXX and the fourth was for XXXX. That is all of the charges besides a few others that may have caused this. I truly am sorry for going against your guidelines for which there is no excuse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested for them to stop harassing me and being slanderous with my family, work and friends. I have asked them to correct inaccuracies the name they go by, and amounts and dates shown on credit report. The account was open, closed and then charged off its been so inaccurate and are violating the laws set forth by CFPB on my credit report. I have asked them to stop they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My XXXX  has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a XXXX XXXX XXXX XXXX I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NC

Complaint narrative:
I reached out to the Experian notifying that an address tied to alleged charge offs was an address that I have never lived or resided at. I asked them to remove the address from my credit report as a residential addressed that I resided and refused over the phone. Additionally, I told them that the information I that they were reporting was inaccurate and the customer service represenative said it was nothing they could do and hung up on me.

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