vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-03 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a XXXX  XXXX bankruptcy and included Cap 1 account ending in XXXX. They have refused to acknowledge this and zero this account out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-03 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: UPGRADE, INC.
State: TN

Complaint narrative:
UPGRADE INC Reported by : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : Shows {$0.00} ( should show accurate charged-off balance ) Status : Closed Collection/Charge-off Remarks : XXXX  : Charged-off as bad debt dispute resolved, customer disagrees. 

XXXX XXXX Consumer disputes after resolution charged-off account. 

Late-Pay History : XXXX shows 30-60-90-day late before CO, but XXXX shows no lates. 

High Balance Mismatch : XXXX list {$15000.00} ; XXXX  lists {$6200.00}. 

Potential Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate/inconsistent data to bureaus. 

F

CRA 611 ( a ) : Failure to properly reinvestigate disputed info. FCRA 623 ( a ) ( 3 ) : Failing to mark account as disputed by consumer across all bureaus consistently.

Metro-2 Compliance : Payment history inconsistent across CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management has continued to report to XXXX  and XXXX  that I have an outstanding balance on an account that was already settled in full. The account was paid through XXXX XXXX XXXX via an overnight check, which cleared on XX/XX/year> ( Payment ID : XXXX ). Despite this, my account with XXXX still shows as unpaid in full. I have repeatedly emailed XXXX regarding this matter, but I have not received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: MS

Complaint narrative:
I am filing this formal complaint against multiple furnishers and credit reporting agencies for their continued reporting of inaccurate, unverified, and misleading information on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following accounts/inquiries are being reported incorrectly : XXXX XXXX XXXX Account XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Reported Status : Charge-off Issue : This account is being reported as a charge-off without providing proper validation or documentation of the alleged debt. No proof of ownership, account agreement, or accounting history has been provided. 

XXXX Account # XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Reported Status : Charge-off Issue : An account showing a {$0.00} balance can not legally be reported as a charge-off. This is factually inaccurate, misleading, and violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires maximum possible accuracy in credit reporting. 

XXXX XXXX ( XX/XX/XXXX ) Issue : This inquiry was made without my authorization or permissible purpose under FCRA 604 [ 15 U.S.C. 1681b ]. I did not provide consent for this entity to access my credit file, making this a clear violation. 

Legal Grounds of My Complaint : Failure to maintain accuracy and integrity in credit reporting ( FCRA 607 ( b ) ).

Reporting unverified accounts without furnishing validation upon request ( FCRA 611 & 623 ).

Unauthorized credit inquiry made without my consent ( FCRA 604 ). 

Continuing to report misleading and damaging information that negatively affects my creditworthiness, which is a violation of my consumer rights. 

Requested Relief : I respectfully request that the CFPB : Investigate these accounts and inquiries immediately. 

Require XXXX XXXX XXXX XXXXXXXX, and XXXX to provide full validation or remove these tradelines/inquiries from all credit reports. 

Ensure that the credit reporting agencies ( Equifax, XXXX XXXX XXXX XXXX delete all unverifiable, inaccurate, and unauthorized data related to these items. 

Hold these furnishers accountable for their non-compliance with federal law. 

I have attempted to resolve this matter directly with the furnishers and reporting agencies, but they have failed to provide proper documentation or correct the errors. Their continued reporting of this inaccurate data has caused financial harm, denial of credit opportunities, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting This letter disputes multiple inaccurate accounts you are reporting, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Examples include : Different past-due balances and last payment dates from other bureaus ( XXXX ) XXXX 
Accounts coded Closed/Good but also flagged as derogatory ( XXXX ). 
Inflated late counts and conflicting open/closed statuses ( XXXX XXXX, XXXX XXXX ). 
These defects violate FCRA 607 ( b ) and 611, as well as Metro 2 standards for fields such as 17A ( Account Status ), 43 ( Past Due ), 76 ( Date of Last Payment ), 78 ( Payment History Profile ). 
I dispute all late months reported. You are required to obtain ledger statements from each furnisher proving the due date, receipt, and posting of payment. Codes or XXXX responses are not acceptable proof. If unverifiable, delete all derogatories or the entire tradeline. 
Noncompliance will trigger regulatory complaints and civil claims under 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 2025-10-03 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: VA

Complaint narrative:
Upon reviewing my report, I noticed inaccurate personal information listed on my credit report, including incorrect details in my personal profile such as outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-03 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: LA

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I visited a hair stylist who instructed me to open Cash App so she could enter her XXXX XXXXXXXX and ensure payment went to her. Instead, she initiated a {$140.00} transfer from my Cash App balance to an account under the name XXXX. I did not know or approve that recipient- I only consented to pay the stylist. Afterward, she claimed she had sent the first payment to the wrong account and threatened to call the police if I didnt send another {$140.00}. Fearing legal trouble, I complied. 

After speaking with other clients, I discovered this stylist has repeatedly used this tactic to double-charge and keep both payments. This is a scam. 

Steps I took : - Immediately disputed the first {$140.00} transaction through Cash App. 
- Appeal was denied with the reason : transaction was authorized using the Security Lock feature.

- Cash App claims Face ID equals authorization, but I was deceived and coerced into a transaction I did not intend. The security lock proves only that I unlocked my phone- not that I authorized payment to a fraudulent recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Dear Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-03 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: NC

Complaint narrative:
Experian, TransUnion, and Equifax are all reporting multiple inaccurate accounts, inquiries, and public records on my credit file. I have never had accounts with these companies, nor have I authorized these inquiries. These errors are damaging my credit, affecting my ability to obtain housing, credit, and employment.

I have disputed these items directly with each bureau, but they have failed to conduct a reasonable investigation or correct the errors. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to investigate disputes and ensure maximum possible accuracy in reporting.

The following inaccurate items appear on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax only ) Public Records Bankruptcy/Federal Court entries ( not mine ) Numerous unauthorized inquiries ( e.g., XX/XX/year>, XX/XX/year>, XX/XX/year>, etc. ) These entries are false, incomplete, and unverified. The bureaus refusal to remove them despite multiple disputes shows a failure to comply with federal law.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i : Duty to conduct a proper investigation of disputed information.

15 U.S.C. 1681g : Duty to provide complete disclosure of sources of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
Experian, TransUnion, and Equifax are all reporting multiple inaccurate accounts, inquiries, and public records on my credit file. I have never had accounts with these companies, nor have I authorized these inquiries. These errors are damaging my credit, affecting my ability to obtain housing, credit, and employment.

I have disputed these items directly with each bureau, but they have failed to conduct a reasonable investigation or correct the errors. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to investigate disputes and ensure maximum possible accuracy in reporting.

The following inaccurate items appear on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax only ) Public Records Bankruptcy/Federal Court entries ( not mine ) Numerous unauthorized inquiries ( e.g., XX/XX/year>, XX/XX/year>, XX/XX/year>, etc. ) These entries are false, incomplete, and unverified. The bureaus refusal to remove them despite multiple disputes shows a failure to comply with federal law.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i : Duty to conduct a proper investigation of disputed information.

15 U.S.C. 1681g : Duty to provide complete disclosure of sources of information.

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 2025-10-03 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: PA

Complaint narrative:
pursuant to 18 usc 8 i owe no debt this company is violating my consumers rights to privacy pursuant to 15 USC 168lb 2 company has also no Permission to report ANYTHING Using my info pursuant to 15USC 1681 4 I asked them to show me the signed contract that i have with Innovative recovery as they are listed as the original creditor. They are a third party who is pulling my score down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 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 2025-10-03 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: TX

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

1681c2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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