vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XX/XX/XXXX I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under XXXX, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report without providing proper validation, chain of title, or legal documentation proving their right to collect this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( b ) requires furnishers and consumer reporting agencies to ensure the maximum possible accuracy of all reported information. Additionally, 15 U.S.C. XXXXi mandates that disputed information must be promptly reinvestigated and deleted or corrected if found to be inaccurate, unverifiable, or fraudulent. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, further requires debt collectors to validate debts and provide documentation such as the original contract or chain of title upon request. 

I demand that all inaccurate, unverifiable, and unvalidated information be deleted from my credit report immediately. Failure to comply will compel me to initiate legal action for violations of my rights under the FCRA and FDCPA, with potential claims for statutory damages, actual damages, and attorneys fees under 15 U.S.C. XXXX and XXXX. Take this matter seriously and act without delay to remedy your reporting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
XXXX. Background 2023 - XXXX XXXX  issued me an IRS Form 1099-C confirming the debt was cancelled.

The cancellation/ discharge debt is also reflected on my IRS transcript.

Despite this, Zwicker & Associates attempted to collect and pursued litigation in Maryland state court and was ruled in favor. 
XXXX. Federal Violations -FDCPA ( Fair Debt Collection Practices Act, 15 U.S.C . 1692 ) -False representation : Zwicker claimed the debt was still collectible despite 1099-C cancellation.

-Failure to validate : After I requested debt validation, Zwicker disregarded the request and filed suit instead. 
-Deceptive dual role : XXXX XXXX as both debt collector and attorney for XXXX XXXX creating a conflict and misleading the court. 
-Unfair collection practices : Filing suit on a cancelled debt amounts to using the court as a collection tool improperly. 
-FCRA ( Fair Credit Reporting Act, 15 U.S.C . 1681 ) -If Zwicker or XXXX XXXX the cancelled debt as active, they provided inaccurate credit information. 
-This would be a violation of their duty to furnish accurate and complete data.

Mail and Wire Fraud ( 18 U.S.C. 1341, 1343 ) ( pattern relevant for CFPB referral to enforcement, not a private right of action ) -Use of legal pleadings and correspondence to collect a debt already discharged may constitute fraudulent use of the court system and mail/wire channels.

Unjust Enrichment/ Double Recovery -Attempting to collect a debt already discharged ( and potentially taken as a tax deduction by XXXX XXXX means Zwicker sought to create a second recovery in violation of federal consumer law protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I created an online banking account on Wednesday XX/XX/XXXX. Upon creating the account M & T bank emailed me saying to set up my direct deposit so that the account would not close. I set up direct deposit for the M & T checking account # XXXX with my employer. After setting up my account, the following day i received an email saying i needed to submit my ID to finish finalizing my account because no activity would go through until my identity was verified. I called them the same day and gave them my ID and the customer support rep advice me everything was taken care of and i should have no issues receiving my deposit. My employer sent the funds via Direct deposit to the account and it was rejected due to what they say was an incorrect account number. Friday XX/XX/XXXX i called M & T bank to see why my deposit has not been deposited into my account, that is when they informed me it was rejected on Thursday XX/XX/XXXX and sent back to my employer. On Monday XX/XX/XXXX i called M & T again because my employer states they still have not received the funds back to them. Now i am missing a {$570.00}. My employer does not have the rejected direct deposit and M & T bank is saying there is nothing more than can do for me. I am not conflicted because i have received numerous different information on why my deposit was rejected as well as where my direct deposit funds are at this moment. it seem as if the funds have just disapeared into thin air without a trace of where it is. Times are hard and I am falling behind on my bills. I need my paycheck.

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 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I processed my very first client payment through Sq

uare, totaling {$31000.00}. Within 24 hours, my account was placed under review, and shortly after, it was permanently deactivated without notice, despite the transaction being 100 % legitimate and authorized by the client.

I immediately submitted all requested documentation including the invoice, service breakdown, and client information yet Square proceeded to freeze the funds and close my account, offering no clear explanation or chance to appeal.

They then informed me that I have two options : Refund the client ( which would damage my credibility and business reputation ), or Wait 90 days to access my own funds money I urgently need to pay a vendor who is now at risk of being fired due to this delay. 
This situation has placed enormous strain on my new business, caused reputational harm, and jeopardized someone elses livelihood all due to Square 's arbitrary internal processes and lack of real support.

I have made several attempts to contact Square for escalation, but all responses have been automated, vague, and dismissive. I have since discovered that this is a common issue faced by many new businesses using Square, which raises serious concerns about their risk management practices and treatment of small business owners. 
I am requesting immediate release of the funds or a direct path to resolve this through a qualified representative. Squares current process is opaque, harmful, and completely unjustified given the nature of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In review of my credit profile I came across quite a few inquiries that are not mine.

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 2025-09-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. CXX/XX/XXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. CXX/XX/XXXXe XX/XX/XXXXXXXX a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXe XXXX Section XX/XX/XXXX ( XX/XX/XXXX ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XX/XX/XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-29 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: Experian Information Solutions Inc.
State: FL

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$7500.00} Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX  XXXX Bankruptcy # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian

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 2025-09-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The options offered in this form did not include the issue I am reporting : Today, Citibank ( I am client of Citibank for more than 20 years ) sent me a notification stating that services in XXXX are not longer being offered. 

Potentially discriminating based on language and race. Please advise. 

Grateful, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
experian has been reporting innaccurate information on my credit report for years now

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 2025-09-29 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: FL

Complaint narrative:
I am filing this complaint against XXXX Experian, and XXXX  for reporting inaccurate and unverifiable charge-off accounts on my credit reports. 

The disputed accounts are being reported as charge-offs, but the information is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). Specifically, the accounts are reported with inconsistent balances, incorrect dates of first delinquency, and/or do not belong to me. Despite my written disputes sent directly to the credit bureaus, they continue to publish this false information. 

Violations of Federal Law : FCRA 611 ( a ) requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed items. The bureaus have not provided any documentation or signed contracts from the original creditor validating the charge-off ( s ).

FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know, or should know, is inaccurate. The furnishers continue to verify inaccurate information without proper documentation.

FCRA 611 ( a ) ( 5 ) requires deletion of disputed items if they can not be verified within the reinvestigation period. This has not been done.

FCRA 616617 holds furnishers and CRAs liable for willful and negligent noncompliance, which applies here.

What I am requesting from the CFPB : I am requesting that the CFPB require Equifax, Experian, and TransUnion to : Immediately delete the inaccurate charge-off accounts from my credit reports.

Provide me with full documentation, including original signed agreements and complete account histories, if they continue to claim the reporting is valid. 

Investigate the compliance practices of the furnishers who continue to verify inaccurate information without proof. 

These charge-off accounts are directly damaging my creditworthiness and preventing me from obtaining fair access to credit. I expect the CFPB to hold these companies accountable and ensure my rights under the FCRA are enforced.

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 2025-09-29 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: FL

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and TransUnion for reporting inaccurate and unverifiable charge-off accounts on my credit reports. 

The disputed accounts are being reported as charge-offs, but the information is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). Specifically, the accounts are reported with inconsistent balances, incorrect dates of first delinquency, and/or do not belong to me. Despite my written disputes sent directly to the credit bureaus, they continue to publish this false information. 

Violations of Federal Law : FCRA 611 ( a ) requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed items. The bureaus have not provided any documentation or signed contracts from the original creditor validating the charge-off ( s ).

FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know, or should know, is inaccurate. The furnishers continue to verify inaccurate information without proper documentation.

FCRA 611 ( a ) ( 5 ) requires deletion of disputed items if they can not be verified within the reinvestigation period. This has not been done.

FCRA 616617 holds furnishers and CRAs liable for willful and negligent noncompliance, which applies here.

What I am requesting from the CFPB : I am requesting that the CFPB require XXXX, XXXX, and TransUnion to : Immediately delete the inaccurate charge-off accounts from my credit reports.

Provide me with full documentation, including original signed agreements and complete account histories, if they continue to claim the reporting is valid.

Investigate the compliance practices of the furnishers who continue to verify inaccurate information without proof.

These charge-off accounts are directly damaging my creditworthiness and preventing me from obtaining fair access to credit. I expect the CFPB to hold these companies accountable and ensure my rights under the FCRA are enforced.

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