vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
Subject : TransUnion, Equifax, and Experian continue to inaccurately report a XXXX XXXX repossession despite multiple disputes and creditor bankruptcy I am filing this complaint against TransUnion, Equifax, and Experian for continued inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). 

On my credit reports dated XX/XX/year>, all three bureaus are reporting a derogatory account from XXXX XXXX ( Account ending in XXXX ). This account is listed as a repossession with a balance of {$0.00}. 

I have disputed this item with the bureaus multiple times, yet they have failed to provide : Proof of a signed contract or agreement showing I am legally responsible for this account. 

Complete payment history and repossession documentation. 

Proper reinvestigation results within 30 days, as required by FCRA 611. 

Despite repeated disputes, each bureau continues to verify the account without providing documentation. This is a violation of my rights under the FCRA. 

Additionally, XXXX XXXX XXXX has filed for bankruptcy and liquidated assets to pay creditors. Because of this, XXXX is no longer the rightful owner or servicer of this account. Continuing to report this account after bankruptcy is inaccurate, misleading, and unlawful. Reporting a repossession by a creditor that no longer owns or services the account violates FCRA 623 ( a ) ( 1 ) ( A ). 

This false reporting is causing me direct harm by lowering my credit scores and blocking me from obtaining credit cards and business funding.

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 2025-09-23 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:
Subject : TransUnion, Equifax, and Experian continue to inaccurately report a XXXX XXXX repossession despite multiple disputes and creditor bankruptcy I am filing this complaint against TransUnion, Equifax, and Experian for continued inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). 

On my credit reports dated XX/XX/year>, all three bureaus are reporting a derogatory account from XXXX XXXX ( Account ending in XXXX ). This account is listed as a repossession with a balance of {$0.00}. 

I have disputed this item with the bureaus multiple times, yet they have failed to provide : Proof of a signed contract or agreement showing I am legally responsible for this account. 

Complete payment history and repossession documentation. 

Proper reinvestigation results within 30 days, as required by FCRA 611. 

Despite repeated disputes, each bureau continues to verify the account without providing documentation. This is a violation of my rights under the FCRA. 

Additionally, XXXX XXXX XXXX has filed for bankruptcy and liquidated assets to pay creditors. Because of this, XXXX is no longer the rightful owner or servicer of this account. Continuing to report this account after bankruptcy is inaccurate, misleading, and unlawful. Reporting a repossession by a creditor that no longer owns or services the account violates FCRA 623 ( a ) ( 1 ) ( A ). 

This false reporting is causing me direct harm by lowering my credit scores and blocking me from obtaining credit cards and business funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: WI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-23 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: NJ

Complaint narrative:
UPON ME LOOKING @ MY CREDIT REPORTS I NOTICED ACCOUNTS OPEN FRADULENTLY ON MY CREDIT REPORTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
UPON ME LOOKING @ MY CREDIT REPORTS I NOTICED ACCOUNTS OPEN FRADULENTLY ON MY CREDIT REPORTS.

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 2025-09-23 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: WA

Complaint narrative:
I have been trying to resolve an identity verification issue with Cash App ( Block, Inc. ) since XX/XX/year>. 

I submitted all of the required documents via a secure link provided by a Cash App representative ( front and back of my drivers license, a photo of me holding the license, and a photo of my Cash App card ) on XX/XX/year>. I was told my identity could not be verified, but Ive received no clear explanation about which documents were reviewed, what was missing, or what part of my identity could not be confirmed. 

I previously went through the same verification process in XX/XX/year>, using the same documents, and had no issue so I dont understand why I was asked to verify again, or why Im now being denied access to my account. 

Ive spoken to multiple chat agents, phone representatives, and supervisors, but I keep receiving the same generic, copy-pasted messages with no clear resolution or investigation. It feels like no one is actually reviewing my account history or submitted documents. 

My account is completely locked I can not send, receive, transfer money, unlock my card, or access any of my funds. The app instructs me to verify my identity, but Ive already done that, and support is not providing any meaningful assistance. 

Im requesting that someone at Cash App or Block , Inc. properly review my case, confirm the status of the documents I submitted, and provide a clear explanation or resolution. I am the rightful owner of this account, and Im concerned that Im being permanently locked out without justification. 

I am requesting the CFPBs assistance in getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: IA

Complaint narrative:
I found a negative account on my credit report from National Recovery Agency for {$1900.00}. I had never received notice of this debt, nor have I had any contact with the collection agency. When I contacted them, they stated they sent me notice via email. The email they claimed to have sent it to is not my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-23 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:
The law ( XXXX U.S. Code XXXX ) dictates these disputed entries be removed in 15 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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NH

Complaint narrative:
I had called through the automated system to find out my payoff amount and close my account I paid the amount that I was told and figured it was all set. I guess they sent another statement with interest from the date that I called until the day it was paid off. They charged me a late fee for not paying that. They are trying to charge me for interest on a closed account and a fee on that interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX XXXX XXXX XXXX To : The Bureaus Subject : Request for Account Verification Under FCRA Section 609 Dear The Bureaus, I am writing to formally request verification of an item listed on my credit report, pursuant to my rights under Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
The account in question is : The Bureaus As per the FCRA, I am entitled to see the source of the information, including the original contract bearing my signature that was used to validate this account. If you are unable to provide this documentation, the account must be removed from my credit report. 

If you can not verify the account with the original signed contract, I request that the item be deleted from my credit report within 30 days of receipt of this letter, as required by law. 
Please send your response to the address listed above. I also request that any future correspondence regarding this matter be in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am personally initiating this dispute to challenge incorrect delinquency entries that have appeared on my credit file. Through my own investigation and record analysis, I have discovered these inaccurate late payment notations that require immediate correction. More than thirty days have passed since I initially contacted you about this issue, yet I have received no correspondence back and no adequate proof has been furnished to support these negative marks. I am now seeking your direct involvement to quickly and properly resolve this credit reporting error.

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 2025-09-23 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: AZ

Complaint narrative:
I am formally disputing the late payment reported on my credit file. This entry is incorrect, as I have consistently made payments on time. Its continued presence is misleading and unjustly harms my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The company is XXXX XXXX XXXX I am filing a complaint regarding an unauthorized legal withdrawal from my XXXX  XXXX XXXX account. 
The transaction on my account appears as : Legal Order, XXXX  XXXX. 

The company asserting authority provided case number XXXX as the basis for the withdrawal. 
However, this case is not mine. It belongs to my sister-in-law and pertains to a property deed matter, not a debt collection or judgment against me. 
My county docket shows that all judgments against me have been satisfied. When I presented this proof, the company terminated the call and refused to provide further documentation. 

This suggests the withdrawal was made under false pretenses and that the company misrepresented its authority to garnish or restrain my funds. 

They withdrew XXXX on XX/XX/XXXX and XXXX on XX/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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Company said I was approved for a credit of XXXX but they would not let me take a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TN

Complaint narrative:
All the transactions taken from my savings, credit, and checking account from chime occurred on XX/XX/2025. At XXXX XXXX  {$340.00} was moved from my savings account to my checking account. At XXXX XXXX  {$200.00} was moved from my savings account to my checking account. At XXXX XXXX  {$300.00} was moved from my credit builder account to my checking account at XXXX XXXX. A XXXX XXXX transaction was taken out of my account by XXXX XXXX in the amount of {$10.00}. At XXXX XXXX  he added {$.00} to my account. At XXXX XXXX  he added another {$.00} to my account. At XXXX XXXX  he withdrew {$90.00} from a XXXX XXXX account under the name of XXXX XXXX. At XXXX XXXX  the same XXXX XXXX  XXXX XXXX withdrew {$170.00}. At XXXX XXXX  the same XXXX XXXX  withdrew {$19.00} from my account. At XXXX XXXX  the same XXXX XXXX withdrew {$39.00} from my account. At XXXX XXXX  there was a deposit of {$.00} from XXXX XXXX. At XXXX XXXX  there was {$95.00} withdrawn from my account from the same XXXX XXXX  XXXX XXXX. At XXXX XXXX  {$180.00} was withdrawn from my account, same XXXX XXXX. At XXXX XXXX  a deposit of {$.00} from XXXX XXXX, XXXX money transfer. At XXXX XXXX  {$95.00} was withdrawn from my account from the same XXXX XXXX XXXX XXXX. At XXXX XXXX, {$180.00} was withdrawn from my account, same XXXX XXXX  XXXX XXXX. This person whoever he was completely drained my whole chime account and left me with XXXX cents. I called chime in the middle of these transactions. The agent I spoke to could even see the transactions happening as they were, in real time. The agent kept reassuring me that I was going to get my money back, because by this time I was hysterical. And then 10 to 12 days later, I get an email from chime saying that my dispute was denied. They said that I would get an email stating why it was denied however I have not gotten one yet. Today is XX/XX/2025 and this has been XXXX days ago I believe, that I got this denial.

Company response to consumer: Closed with explanation