vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
I am submitting this complaint as my tenth formal dispute and final demand regarding multiple inaccurate, misleading, and unlawful items that continue to appear across my Equifax, TransUnion, and Experian credit reports despite repeated prior disputes. The continued reporting of these items demonstrates a failure to conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and constitutes ongoing noncompliance with FCRA 623 ( a ) ( 1 ) ( A ). 
On my Equifax credit report XXXX XXXX XXXX XXXXXXXX account XXXX is being reported simultaneously with multiple conflicting charged-off balances of {$23000.00}, {$4600.00}, and {$13000.00}. Reporting the same account with inconsistent balances is materially inaccurate, misleading, and unverifiable, and violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Additionally, no valid 1099-C has been issued for any alleged debt exceeding {$600.00}, making the continued charge-off reporting unlawful under 15 U.S.C. 605B / 1681c-2. 
Further, XXXX XXXX account XXXX is reported with a {$0.00} balance on both Equifax and TransUnion, yet continues to appear as a derogatory tradeline. Reporting a zero-balance account in a negative manner falsely implies an outstanding obligation and constitutes inaccurate and misleading reporting. 
I am also disputing the collection account reported by XXXX XXXX, claiming to collect on XXXXXXXX XXXX account XXXX with a balance of {$12000.00}, appearing on both Equifax and TransUnion. This collection has never been properly validated, misrepresents the legal status of the alleged debt, and violates FDCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 15 U.S.C. 605B / 1681c-2.

Additionally, my credit reports reflect multiple unauthorized hard inquiries that lack permissible purpose under federal law. These include XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX on Experian, as well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX XXXX XX/XX/XXXX ) on Equifax. The reporting of these inquiries violates FCRA 604 ( a ), FCRA 604 ( f ), and FCRA 619 ( 15 U.S.C. 1681b, 1681q ) due to the absence of any lawful consumer authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
I am submitting this complaint as my tenth formal dispute and final demand regarding multiple inaccurate, misleading, and unlawful items that continue to appear across my Equifax, TransUnion, and Experian credit reports despite repeated prior disputes. The continued reporting of these items demonstrates a failure to conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and constitutes ongoing noncompliance with FCRA 623 ( a ) ( 1 ) ( A ). 
On my Equifax credit report XXXX XXXX XXXX XXXXXXXX account XXXX is being reported simultaneously with multiple conflicting charged-off balances of {$23000.00}, {$4600.00}, and {$13000.00}. Reporting the same account with inconsistent balances is materially inaccurate, misleading, and unverifiable, and violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Additionally, no valid 1099-C has been issued for any alleged debt exceeding {$600.00}, making the continued charge-off reporting unlawful under 15 U.S.C. 605B / 1681c-2. 
Further, XXXX XXXX account XXXX is reported with a {$0.00} balance on both Equifax and TransUnion, yet continues to appear as a derogatory tradeline. Reporting a zero-balance account in a negative manner falsely implies an outstanding obligation and constitutes inaccurate and misleading reporting. 
I am also disputing the collection account reported by XXXX XXXX, claiming to collect on XXXXXXXX XXXX account XXXX with a balance of {$12000.00}, appearing on both Equifax and TransUnion. This collection has never been properly validated, misrepresents the legal status of the alleged debt, and violates FDCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 15 U.S.C. 605B / 1681c-2.

Additionally, my credit reports reflect multiple unauthorized hard inquiries that lack permissible purpose under federal law. These include XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX on Experian, as well as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX XXXX XX/XX/XXXX ) on Equifax. The reporting of these inquiries violates FCRA 604 ( a ), FCRA 604 ( f ), and FCRA 619 ( 15 U.S.C. 1681b, 1681q ) due to the absence of any lawful consumer authorization.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Mobile Deposited Check from my parent 's company to my company for {$10000.00} on XX/XX/XXXX. My account was subsequently frozen while Truist " investigated '' this deposit. The deposit cleared on the issuing banks side a couple of business days later. I called in because I suddenly could not log into my bank account. At this point Truist tells me that my account has been closed due to suspicion of fraudulent check deposit. Mind you, this check was written in front of me from my step father. His bank, XXXX XXXX XXXX  XXXX ) NEVER flagged the check or put a hold on sending the money to Truist. Truist has now sent me a check for the money that was in my account previous to the check being deposited XXXX check from Truist. They have not contacted me or addressed the {$10000.00} check even once or asked me for any additional information. I also requested that they send the {$10000.00} back to the originating bank in which they said they could not do. They have told me today XX/XX/XXXX that the money is in a " recovery '' account and could not explain to me what that was. It has now been over XXXX weeks that they have held my funds XXXX that are for construction work that i completed and need to pay my employees. Mind you, it is XXXX and have gotten NO releif. This has put a halt on all of my future work because my employees will not work without being paid for the last job in which i do not have the funds for. Can you please help? There is no way that it takes over XXXX weeks to investigate a check being deposited. 
Thank you, 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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app was closed ig due to a online XXXX  app that tried to do something with my card after I tried to redeem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GU

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: GU

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit management, So call brought a so call debt from cutbacks that was not a proven debt of mys i ask how did they get my information and the said they own the debt now I ask them to send me the original contract with my wet ink signature where I sign for anything with the original creditor and I haven't receive anything from them but calls and letters demanding me to pay a debt that was canceled or was closed. But law the so call creditor dont suppose to sell so call debt so they broke law to prove the debt but it show it was close and sold to these people...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute an eviction entry on my credit report. The information reported is inaccurate and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any information that is incomplete or inaccurate. The reported amount and dates do not match my records, and I have documentation showing the eviction is incorrect. I request that the credit bureaus and reporting company investigate this entry and remove it if it can not be verified.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was charged for a vacation package from XXXX which is a scam company. They did not provide the service purchased as I have mentioned multiple times and explained and provided documentation on. American Express has helped this company do what I consider stealing, because of XXXX saying that they provide the service with literally no proof. In their most recent response, Amex said I did not provide proof that XXXX XXXX were part of the purchase- though I have- and so I am willing to provide them again. Not only is there an explicit email that says I will get greeted by XXXX butlers at arrival which did not happen, but also I have provided the description of complete XXXX XXXX from their website. XXXX  does not offer XXXX XXXXe as an add on, it is with certain room types which I already explained to the American Express representative as well. I believe I was scammed and then American Express told me too bad multiple times. {$16000.00} isnt a small amount of money. I deserve my money back for what I didnt receive and a {$500.00} rewards points credit from what I think is a shady scam company, XXXX, is nothing. I want to say I cant believe that neither XXXX  nor American Express cares about the theft, disregard for safety and individuals with XXXX, etc. but I can actually believe it, what horrendous companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NC

Complaint narrative:
IQ Data is reporting incorrect collection of {$2700.00} on my XXXX I've disputed this it was removed and the company replaced it back on which is illegal with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: AR

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: SC

Complaint narrative:
I am on a repayment plan and have been since XXXX. My loans auto draft from my checking account for {$250.00}. In XX/XX/XXXX, I started making additional {$100.00} monthly payments to XXXX of my loans, the one with the highest interest rate. 

In XXXXXXXX XXXX XXXXXXXX, I received a notice from Mohela that my payment was not applied correctly, despite the funds being drafted from my account, as well as making additional {$100.00} in payment that month. Since XXXX, I have received XXXX, XXXX, and 90 day past due notices, now stating I have an overdue balance of over {$350.00}. 

I have called their customer service repeatedly about this issue and am always told it is an internal error that would be resolved soon. Most recently when I spoke with an account manager, I was provided this information : Task number XXXX : reapplication of payments from XX/XX/XXXX forward to satisfy bills. Should be no delinquency Task number XXXX : Payment amount redisclose Task number XXXX : No negative credit reporting All of these had a XX/XX/XXXX Mohela internal SLA deadline for resolution. Today, XX/XX/XXXX, my account still shows a delinquent status, incorrectly. When I called today, the customer service representative refused to take the task numbers from me when I offered them more than 3 times, and insisted repeatedly to put me on hold despite my request to speak to a supervisor more than 3 times.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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