vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-10 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: DC

Complaint narrative:
I dispute XXXX XXXX XXXX XXXX for repeated inaccurate credit reporting of my auto loan account ( Account XXXX. XXXX ) in violation of the Fair Credit Reporting Act ( FCRA ). 

* In XX/XX/XXXX, I disputed the account due to mishandling of a GAP insurance claim, which contributed to an erroneous charge-off. 

* The account was settled in XX/XX/XXXX for less than full balance and reported as Paid in settlement with {$3000.00} written off. Settlement amount was {$1200.00} paid on XX/XX/XXXX to XXXX XXXX. 

* However, in XX/XX/XXXX, XXXX XXXX re-verified and re-reported the account inaccurately as charged off with a past due balance of {$830.00} and 180-day delinquencies. 

* This re-reporting occurred after a dispute was filed and closed in XX/XX/XXXX with no correction made. 

* As a result, my credit score dropped from XXXX to XXXX, making me ineligible for mortgage financing. 

* My lease ends in XX/XX/XXXX, and due to XXXX XXXX  inaccurate reporting, I am at risk of losing housing and facing homelessness. 

* XXXX XXXX had a duty to investigate and correct my disputes timely but failed to do so, causing significant 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 2025-09-10 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: NY

Complaint narrative:
As per 15usc 1611 XXXX  XXXX  and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NJ

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 explanation
Consumer complaint received 2025-09-10 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX XXXX someone added their debit card to my account and withdrew XXXX and XXXX from my cash app balance. I was XXXX  XXXX at the time the transcations took place and cash denied my dispute. No one can explain why it got denied when I sumbitted a doctor 's note which I have attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I had a XXXX  condition that required XXXX  XXXX with XXXX week of hospitalization. I paid my payment 1 day after the due date and was charged {$53.00} late fee. I'm a retired veteran whi spent 20 years for this country and this is what I get from a bank. I called and explained the circumstances but the respresentative stated she spoke with her Manager and unfortunately they could not reverse the late fee. Well I've learned not to do business with this bank again. There is no concern or compassion for the amercian people. Thank you for yoour time. The bank 's name is Ally Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CO

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
XXXX XXXX emailed me that I had a hard inquiry on my account on XX/XX/XXXX on my Equifax credit report, so I went in and froze my Equifax. I also submitted a dispute for the inquiry on XX/XX/XXXX and the results of their investigation were that it was factual information and it would stay on my report for 2 years. Then I got another email on XXXX and XXXX that a new XXXX XXXX  card was added to my account that I did not apply for and my score went down XXXX points. The card ended up getting mailed to my home so I called XXXX XXXX  and cancelled the card telling them I did not open it. I just called Equifax and they told me to submit a dispute with the FTC and then give them a call back with the results and then my credit score would go back.

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 2025-09-10 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all 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 2025-09-10 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: MN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Yesterday evening I faxed over my legal court order regarding the account that was placed on my renter profile. When I called to confirm that the fax was received by Experian Rent Bureau I was greeted by a representative named XXXX who has informed me that the rent bureau doesnt accept court orders or legal documents. Which I know is completely untrue and false so I am now submitting a complaint regarding this. On Tuesday XX/XX/year> a sealed court order record was illegally placed on my Experian Rent Bureau profile which went against the court order that was written and approved by a court judge on XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. For the amount of {$8000.00} XXXX XXXX XXXX went against court orders of the debt being a sealed record and illegally sold the debt to XXXX XXXX XXXX  going against the judge orders. As well as increasing the debt without consent or permission to ( {$18000.00} ). Im requesting that Experian Rent Bureau follow the court order of this case being a sealed record and remove it from being reported on my credit profile, as it should have never been placed on my credit profile or even sold to a collection company. Im requesting that this matter and process immediately takes place or I will be seeking immediate legal actions against Experian Rent Bureau for disobeying the court order and reporting the inaccurate information on my credit profile as well as the information in general. Attached to this Complaint is Two documents both being the Court order which can be verified by a XXXX Court Case # XXXX. Im also requesting that a supervisor from Experian Rent Bureau contact 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 2025-09-10 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: PR

Complaint narrative:
I recently viewed my credit report and noticed that there is a fraudulent account. Please remove this account. It is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: MO

Complaint narrative:
On XX/XX/year> I received on my XXXX debit card XXXX dollars from Social security XXXX. 
I was able access the card and spent {$120.00}. Leaving me with a balance of {$840.00}. 
On XX/XX/year> I attempted to withdraw some money at an ATM from this card and was unable to. I tried another ATM without success. 
On XX/XX/year> I called costumer service and was told my card was locked and not to try and use it for 2 days and it would reset. 
On XX/XX/year> I attempted to use the card again and was unable to withdraw money or purchase anything. 
I called costumer service again. I was told the card was bad and I would need a new one. Also it would take up to 10 days to receive a new card unless I was willing to pay {$13.00} to expedite the card and receive it in 2 to 3 days. I agreed to pay for the expedited card delivery. 
On XX/XX/year> I received the new card with instructions on how to activate it. 
I followed the instructions and called the customer service number. After waiting on hold for an hour and forty minutes I was connected to someone who told me I would have to email photos of the front and back of my driver 's license to verify who I am and call back the next day to complete the activation. 
I emailed the photos as soon as I hung up with costumer service. 
On XX/XX/year> I called back to complete the activation. After waiting on hold for one hour and 30 minutes I was told I would have to wait until the sent me another email and call back again. 
I am now having to pay late fees on my bills and am in danger of being evicted from my house. 
Please resolve this for me as quickly as possible. 
Thank you.

Company response to consumer: Closed with non-monetary relief