vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
I am filing a complaint regarding multiple inaccurate, duplicate, and misleading accounts reported by XXXX XXXX XXXX and XXXX  XXXX on my credit reports from Experian, XXXX XXXX XXXX 

XXXX XXXX is reporting the same debt TWICE both entries show a {$220.00} balance, opened on the same date ( XX/XX/XXXX ), and refer to the same original creditor, XXXX XXXX XXXX. This is a duplicate entry and is falsely inflating my debt and damaging my creditworthiness. 

Additionally, XXXX XXXX is still reporting the original account as Paid as agreed and Canceled by credit grantor, even though it appears the debt was sold to collections. This causes double reporting of the same account, and XXXX XXXX should not be reporting it if it was charged off and sold. 

Furthermore, the date opened on the XXXX XXXX accounts is listed as XX/XX/XXXX, although the last activity on the original account was in XXXX. This appears to be re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 

I disputed these accounts with the credit bureaus and requested removal of both XXXX XXXX entries and the original XXXX XXXX entry. If XXXX XXXX is valid, XXXX XXXX is not. If XXXX XXXX is valid, XXXX XXXX should no longer report the account. 

I am requesting that the CFPB investigate these violations of : FCRA Section 607 ( b ) : Accuracy in reporting FCRA Section 623 : Obligation of furnishers to report accurately Prohibition on re-aging of debt

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 2025-06-25 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:
I was shocked to find several unfamiliar and unauthorized accounts on my credit report. I have no relationship with the creditors reporting these accounts and did not consent to their creation. These accounts are not mine and should not be associated with my credit profile.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
COMENITYCAPITAL/XXXX XXXX XXXXXXXX Im unaware of this debt and did not get the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please remove account XXXX  XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) 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 XXXX  XXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-06-25 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) 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 XXXX  XXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Independence Capital Recovery, LLC
State: AL

Complaint narrative:
Today ( XX/XX/25 ) after getting yet another call and text from a company called Independence Capital Recovery , LLC ( IRC ), I called the number they provided. Normally I wouldn't do this as I get so many scam calls every day, but this sounded more serious. I didn't, however, recognize the amount they said I owed. 

I called, and I believe the person that answered was XXXX XXXX ( based on an e-mail I got after the call ). The biggest red flag was instead of asking me for identifying information like birthday and last 4 of social security number they simply stated it. I agreed to it ( which after the call I found out I shouldn't have based on some XXXX  ) because I wanted to find out more about this debt I'm being contacted for. 

The contents of the debt were pretty scary and they mentioned several times that I could be taken to court and I overall felt sort of threatened by the call. There is a good chance I do owe this amount since I did take out a few loans years ago ( which I deeply regret ) for a variety of reasons, but I am concerned that if they had the wrong number someone could have easily gotten sensitive information about myself because they just said it out loud instead of asking me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent {$110.00} through Cash App to an individual for a product advertised on XXXX XXXX. After receiving the money, the seller stopped responding, failed to ship the item, and blocked me from further communication. I submitted a dispute through Cash App, including screenshots of our full conversation, proof of payment, and clear evidence showing fraudulent intent. 

Despite this, Cash App denied the dispute and refused to reverse the transaction, even though I followed all steps and provided the requested documentation. I am now requesting that this case be reviewed at a higher level, that the associated Cash App account be flagged for fraud, and that I be refunded the full {$110.00} due to the platforms failure to prevent or respond to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this FTC Identity Theft Report and formal dispute regarding multiple inaccurate or unauthorized accounts listed on my credit file. 
These accounts were either fraudulently opened or reported in error and are currently harming my credit standing. I request their immediate deletion under the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S. Code 1681c-2 : Blocking of information resulting from identity theft.

- 15 U.S. Code 1681i : Procedure in case of disputed accuracy.

- 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Requirement to delete or modify information found to be inaccurate or unverifiable. 
- 15 U.S. Code 1681b : Permissible purpose for accessing or furnishing credit information.

I was affected by a data breach, and I believe my personal information may have been used without my consent. I assert that there is no valid documentation or verifiable evidence that I authorized the following accounts to be reported or opened in my name. 
Below are the accounts in question : FTC Identity Theft & Credit Report Dispute Statement - XXXX XXXX Bank XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA laws, if these credit bureaus and furnishers can not provide a legally binding purchase agreement or application bearing my signature, these accounts must be removed immediately as unverifiable and unauthorized. 
Additionally, please remove all previous addresses from my credit report that do not match my only verified address listed above. 
Supporting documentation is included, including a copy of my government-issued ID and a recent utility bill. 
This report is being submitted in good faith to support the correction of inaccurate data on my credit report. I expect reinvestigation and removal of all unverifiable or fraudulent information as required by federal law. 
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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this FTC Identity Theft Report and formal dispute regarding multiple inaccurate or unauthorized accounts listed on my credit file. 
These accounts were either fraudulently opened or reported in error and are currently harming my credit standing. I request their immediate deletion under the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S. Code 1681c-2 : Blocking of information resulting from identity theft.

- 15 U.S. Code 1681i : Procedure in case of disputed accuracy.

- 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Requirement to delete or modify information found to be inaccurate or unverifiable. 
- 15 U.S. Code 1681b : Permissible purpose for accessing or furnishing credit information.

I was affected by a data breach, and I believe my personal information may have been used without my consent. I assert that there is no valid documentation or verifiable evidence that I authorized the following accounts to be reported or opened in my name. 
Below are the accounts in question : FTC Identity Theft & Credit Report Dispute Statement - XXXX XXXX Bank XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA laws, if these credit bureaus and furnishers can not provide a legally binding purchase agreement or application bearing my signature, these accounts must be removed immediately as unverifiable and unauthorized. 
Additionally, please remove all previous addresses from my credit report that do not match my only verified address listed above. 
Supporting documentation is included, including a copy of my government-issued ID and a recent utility bill. 
This report is being submitted in good faith to support the correction of inaccurate data on my credit report. I expect reinvestigation and removal of all unverifiable or fraudulent information as required by federal law. 
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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this letter under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), to formally dispute inaccurate personal information listed on my credit report. This includes incorrect names and addresses that do not reflect my identity or residence history. Your data must align with FCRA and Metro 2 reporting standa
rds as outlined in the Consumer Data Industry Associations ( CDIA ) most recent Consumer Reporting Resource Guide ( CRRG ). Any failure to meet these standards is a serious breach of reporting requirements and must be addressed immediately.

I request that you verify and correct or DELETE the following inaccurate personal information : Personal Information Being Challenged : Incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX Correct Name : XXXX XXXX These entries are inaccurate and must be deleted from my file. I request that you conduct a reinvestigation and provide me with a written response outlining the results of your investigation within the 30-day timeframe mandated by law. Please also send me an updated copy of my credit report once the corrections are made. 

I expect your full compliance and immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc.
State: MI

Complaint narrative:
Subject : Request for Immediate Removal of Incorrect Credit Entry I am writing to formally request the immediate removal of an account associated with XXXX XXXX, XXXX, from my credit report. Despite the recent communication from NES, the account in question is not accurately reflected on my credit report, and I believe it should be removed as it was not properly verified and is no longer appropriate to be listed. 

According to the response from NES, the account was recalled and returned to XXXX XXXX XXXX on XX/XX/2025, and NES does not report to the credit bureaus. Therefore, this entry should not be present on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of any inaccurate, incomplete, or unverifiable information. I kindly request that you re- investigate this matter and remove the account from my credit report promptly. 

Please provide written confirmation once the account has been removed. I appreciate your prompt attention to this matter and look forward to resolving it swiftly. 

Thank you for your cooperation.

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 2025-06-25 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 2025-06-25 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: SC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 non-monetary relief
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must- ( 1 ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( i ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately. 

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I submitted multiple mortgage payments through my online portal with First HorizonXXXX XXXX . Each time, I received automated emails stating that my payment had been received and applied. However, the payments were not properly processed, and I was only informed on XX/XX/XXXX, through a phone call from the company, that my account was showing unpaid. 

Starting that day, I contacted customer service multiple times by phone, by email, and in person at a branch. I also exchanged multiple emails with their Research Department. Despite providing payment confirmations, bank statements, and screenshots, no one was able to identify the issue. I was repeatedly told the payments were invalid, without any real investigation or clarification. 

It wasnt until XX/XX/XXXX, after almost a full month of confusion, multiple calls and back-and-forth, that a supervisor finally discovered the actual problem : a single digit was missing from the bank account number I had used. This was an unintentional input error, but the system never flagged it or warned me. Instead, it sent confirmation emails claiming the payments had been received and applied. The account used had been saved in my online profile since XXXX and had been used previously for phone and branch payments without issue. 

This failure in notification, verification, and internal communication caused me unnecessary stress for nearly a month and has negatively impacted my credit after they reported a 30-day late payment. I acted in good faith and made multiple timely attempts to pay. I am requesting correction and confirmation that no negative credit reporting has occurred, and that this case be reviewed as an example of poor servicing practices that need urgent correction.

Company response to consumer: Closed with explanation