vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXk XXXX XXXX Last XXXX SSN : XXXX XXXX : XX/XX/year> Dear : XXXX XXXX XXXX capital one Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : unknow Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity.

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Overdraft Fees Not waived at US Bank anymore as a courtesy... 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not help with overdraft fees. 

XXXX : XXXX XXXX : XXXX XXXX not help with overdraft fees, was rude and unknowledgeable. 

USBANK use to be the best bank, now they find ways to charge us and inconvenience us as customers!

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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: MO

Complaint narrative:
It looks to be they work with, or for XXXX 

For well over a year now they have CONSTANTLY sent me the same emails over and over. 

XXXX notoriously from a XXXX XXXX, after finally being able to block him, XXXX getting even more calls and emails from other people at his office! 

This doesnt stop and hasnt for over a year, please for the love of XXXX, leave me alone!!!! Especially since you couldnt answer my requests or proof of debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AR

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 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 2025-05-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-15 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 2025-05-15 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: CBC Companies, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX i am submitting this complaint without any influence from a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
Experian is reporting multiple collection and charge off accounts from XXXX XXXX and XXXX XXXX with balances exceeding {$14000.00}. These entries are demonstrably inaccurate and unverifiable. Despite my timely disputes, Experian has failed to conduct a meaningful, good faith reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. This section mandates credit reporting agencies to conduct a reasonable investigation within 30 days when a consumer disputes information. Experian 's failure to verify these entries with original, documented proof from the furnishers violates this clear legal obligation. Their disregard demonstrates a willful noncompliance with the statute, as codified under 15 U.S.C. 1681n, which exposes them to potential civil penalties and damages for knowingly reporting inaccurate information. 

Furthermore, the prevalence of data breaches impacting both furnishers and credit bureaus has increased the risk of inaccurate data being erroneously entered or propagated across credit reports. It is apparent that Experian has not sufficiently safeguarded against this risk, contributing to erroneous derogatory accounts appearing on my report. This negligence is unacceptable, as it not only damages my creditworthiness but also infringes on my legal right to fair and accurate reporting. Experian must acknowledge that their insufficient verification processes and failure to update or delete unverifiable data violate federal consumer protection laws and cause substantial financial and emotional harm.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe these accounts are fraudulent and have no connection to them. I ask that they be removed from my credit record right away and that a thorough investigation be conducted. Supporting documentation is enclosed.

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 2025-05-15 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: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-15 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on my credit report under the provisions of 15 U.S.C. 1666b, which addresses the timely processing of payments and the correct reporting of payment information. PHL The creditor did not provide adequate notice or justification for reporting the payment as late, as required under the Fair Credit Billing Act. 

I respectfully request that the late payment entry be investigated and removed or corrected on my credit report. Please notify me in writing of the results of your investigation as well as any actions taken to rectify the inaccurate information Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I look forward to your prompt response within the required 15-day period. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-15 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I was a victim of identity theft due to a data breach, and these accounts were opened without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$12000.00} Southwest Credit Systems ( Charge-Off ) Date 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 non-monetary relief
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-15 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 submitted formal written disputes to Experian, XXXX XXXX XXXX regarding multiple accounts reporting inaccurate and unverifiable late payments. These include, but are not limited to, a XXXX late payment from XXXX and XXXX late payments from XXXX XXXX  and other creditors .

I provided all required documentation, including valid identification, proof of Social Security number, and proof of address. Despite this, the credit bureaus have either failed to respond within the required XXXX period or failed to provide adequate verification from the original creditors. 

The continued reporting of these negative items constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of any unverifiable or inaccurate information. These derogatory entries are causing harm to my credit profile and are not backed by proper documentation or validation. 

I am requesting the CFPBs immediate intervention to ensure compliance with federal law and to compel the credit bureaus to remove these inaccurate entries from my report.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
To Whom It XXXX Concern, Pursuant to XXXX XXXX. XXXX of the Fair Credit Reporting Act, I am formally submitting this complaint regarding fraudulent and unauthorized activity associated with the following accounts, which have been inaccurately reported on my credit 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  These accounts were not opened or authorized by me and are the result of identity theft. Additionally, my personal information was compromised in a data breach, which may have contributed to this fraudulent activity. 

In accordance with federal law, I am requesting that these accounts be blocked from my credit report within XXXX ( XXXX ) business days. I further request that all related inquiries and negative reporting associated with these accounts be removed. 

Please confirm receipt of this request and advise of any additional documentation required to process it promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NV

Complaint narrative:
This is a follow-up complaint to ensure that ongoing inaccuracies on my credit report are properly addressed, as my initial disputes remain under review. I am disputing the inaccurate reporting of a collection/charge-off account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, with a balance of {$310.00}, as listed on both my XXXX  and Equifax credit XXXX. This account is reported as a collection/charge-off despite the lack of sufficient verification to substantiate this negative status. Given the potential for data breaches and improper handling of sensitive consumer information, it is crucial that these reports reflect only verified, accurate, and complete information, as required under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i, both XXXX  and Equifax are required to conduct thorough and reasonable reinvestigations of disputed items within 30 days. If the accuracy or completeness of the disputed data can not be verified, it must be corrected or deleted, as outlined in 15 U.S.C. 1681 ( c ) ( 2 ). Additionally, 15 U.S.C. 1681n provides for liability in cases where the credit bureau 's failure to properly investigate leads to the continued reporting of inaccurate information, exposing me to significant financial harm. In the case of Equifax, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed troubling patterns of inadequate investigations, including allegations of sham dispute processes. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is specifically required to conduct comprehensive and reasonable reinvestigations of disputed items within 30 days. Furthermore, 15 U.S.C. 1681 ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or removed from the consumer 's file, underscoring the critical importance of accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NV

Complaint narrative:
This is a follow-up complaint to ensure that ongoing inaccuracies on my credit report are corrected in a timely manner, as my initial disputes remain under CFPB review XXXX I am disputing the inaccurate late payment reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance and past due amount of {$0.00}, as listed on my TransUnion, XXXX XXXX XXXX credit reports. This inaccurate reporting significantly misrepresents my payment history, as these accounts should not be reflected as late or past due, given their closed status and XXXX XXXX 

Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy when reporting consumer data, as outlined in 15 U.S.C. 1681i. This includes conducting a thorough and reasonable reinvestigation of disputed information within 30 days. If the disputed data can not be verified as accurate, it must be corrected or updated, not simply left to linger on my report as a misleading negative item. Additionally, for XXXX, this obligation is reinforced by recent findings from the CFPB that exposed significant shortcomings in their dispute handling processes. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), XXXX  is specifically required to conduct comprehensive reinvestigations of disputed items, while 15 U.S.C. 1681 ( a ) ( 5 ) mandates the prompt correction or deletion of unverifiable or inaccurate 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 non-monetary relief