vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts :XX/XX/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 2025-07-19 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts :XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
This company fraudulently added a fraudlent collection account to my credit that I have no knowledge of and refused to remove and unlawfully obtain copy of credit report without proper documentation, remove from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am writing to dispute an item on my credit report regarding the account with XXXX XXXX, Account Number : XXXX. The report shows a {$0.00} credit limit along with an outstanding balance of {$8500.00}. This discrepancy is inaccurate. 

As someone who is aware of my rights under Federal and state guidelines, including the Metro 2 standards, the Fair Credit Reporting Act ( FCRA ), and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), I understand the importance of maintaining accurate and fair credit information.

I respectfully request that you investigate this matter and verify the accuracy of the reported information. If the information can not be verified as accurate, I ask that you remove it from my credit 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 non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
First, XXXX XXXX has not updated any correct credit information for me. 
Secondly a dispute filed back in XX/XX/year> is still open and preventing me from disputing new fraudulent accounts in my name. I've reached out to XXXX XXXX, Transunion and XXXX  multiple times for an update and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
First, XXXX XXXX has not updated any correct credit information for me. 
Secondly a dispute filed back in XX/XX/year> is still open and preventing me from disputing new fraudulent accounts in my name. I've reached out to XXXX XXXX, XXXX  and XXXX  multiple times for an update and still nothing.

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 2025-07-19 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:
XXXX XXXX is reporting a charge-off account to my credit reporting agencies with both a " charge-off '' status and a " past due balance, '' which is factually and legally inaccurate. According to Metro 2 reporting guidelines, once an account is charged off, the balance shall be updated to XXXX and there shall be no concurrent past-due balance reported, doing so misrepresents the actual status of the account. This reporting practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires furnishers and credit reporting agencies to ensure that all reported information is as accurate and truthful as possible. I submitted a dispute through the credit reporting agency explicitly stating these violations and requesting deletion of the account. XXXX XXXX responded by simply verifying the tradeline without addressing the legal contradiction or the specific inaccuracies raised. This constitutes a failure to conduct a reasonable investigation as required under FCRA 1681s-2 ( b ). By continuing to furnish information that is both misleading and damaging to my credit report, XXXX XXXX is in willful noncompliance with the FCRA and is harming my consumer file and credit standing. I will pursue a jury trial in U.S. District Court, if needed, due to a violation of my rights. This shall be resolved immediately. See Article 8 of the UDH, which states " everyone has the right to an effective remedy by the competent national tribunals for acts violating the fundamental rights granted him by the constitution or by law. '' You are violating my right to privacy by continuing to report this 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 explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I have been the victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries that I found - XXXX XXXX and XXXX XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft 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 2025-07-19 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: VA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened these accounts listed on the ftc report. I have never gave anyone permission or authorization to open these accounts in my name without permission or authorization. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax 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 2025-07-19 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: VA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened these accounts listed on the ftc report. I have never gave anyone permission or authorization to open these accounts in my name without permission or authorization. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax 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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a charge for {$180.00} that was not authorized. The merchant could not explain or provide any documentation of the charge, but they were unable to refund it. I contacted Bank of America to dispute the charge. Bank of America has refused to provide any information and stalled for 8 months. The charge was over a year ago and I have followed up with the merchant and Bank multiple times. Bank of America has provided no service whatsoever and can not answer even basic questions for me. They have promised me several times it would be resolved, and then they fail to take any action. I am leaving the bank.

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 monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: WA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) To Whom It May Concern, I am formally disputing the information being reported on my credit file regarding the following account : Creditor : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX. 

Account Number ( last four ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Reporting Agencies : TransUnion, XXXX XXXX After reviewing this tradeline, I have identified several serious inconsistencies and legal violations under the Fair Credit Reporting Act ( FCRA ). These discrepancies are outlined below and require your immediate attention. 

Summary of Violations : Conflicting Account Type and Terms Violation : FCRA 1681e ( b ) Details : XXXX  reports this as an Installment account with a 1-month term, while TransUnion and XXXX list it as an Open Account. This misclassification affects credit scoring and misrepresents the nature of the debt. 

Inconsistent " Date Last Active '' Violation : FCRA 1681e ( b ) Details : TransUnion and XXXX XXXX XXXXXX/XX/XXXX, whereas XXXX shows XX/XX/XXXX. This disparity suggests incorrect or manipulated data. 

Potential Re-Aging of Debt Violation : FCRA 1681c ( a ) ( 4 ) Details : The reporting of recent activity in XXXX when the account opened in early XXXX, without any confirmed payment activity, appears to illegally extend the life of the negative account on my credit file. 

Missing Date of Last Payment Violation : FCRA 1681i ( a ) ( XXXX ) Details : None of the credit bureaus list a last payment date, making the information incomplete and unverifiable. 

Inconsistent and Confusing Comments Violation : FCRA 1681e ( b ) Details : Each bureau reports different comments for the same account. One states Placed for collection, another references a legal process, and a third says Collection Account. This inconsistency misleads lenders and credit scoring systems. 

These reporting errors are harming my creditworthiness and causing unjust consequences. I am asserting my rights under the FCRA and demanding that the reporting bureaus take immediate corrective action. 

Sincerely, 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 2025-07-18 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:
I recently became aware of a fraudulent account reflected on my credit report. I did not initiate this account, nor did I authorize anyone to do so on my behalf.

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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Someone stole my phone on XX/XX/XXXX and started clearing out my bank account adding money through cash app. Over and over XXXX $ worth of charges in return my bank charged over draft fees for every charge I started claim explaining all this and they still denied claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I am writing to express my continued concern regarding the XX/XX/year> late payment that was reported on my account ending in XXXX. I have contacted your company multiple times by phone and email regarding this matter, and I have made every effort to resolve the issue. 

In XX/XX/year>, I received written confirmation from continentals office stating that the late payment would be removed within 30 to 45 days. Despite this assurance, the derogatory mark remains on my credit reports with all three major credit reporting agencies.

Over the past several months, I have checked my credit reports regularly and submitted disputes with supporting documentation, including the letter I received from your company. To date, there has been no update, no removal, and no response to my repeated outreach.

Additionally, I escalated the matter through the Consumer Financial Protection Bureau ( CFPB ). The company responded to the CFPB with the same written assurance that the late payment would be removed within 30 to 45 days. However, that timeframe has passed, and the item still has not been corrected.

I am requesting immediate action to fulfill their original commitment and have the inaccurate late payment removed from all credit bureaus.

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 2025-07-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
Subject : Dispute of Inaccurate Reporting Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information reported on my credit file regarding the account listed as : Creditor Name : Child Support Enforcement Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$21000.00} ( Past Due ) Date Reported : XX/XX/XXXX Status : Past Due, Closed I respectfully request that this account be investigated and either corrected or deleted from my credit file as it is inaccurately reported. 

Currently, I am making on-time payments to this account as part of an active payment plan. Despite these payments being made consistently and in good faith, your records still reflect this account as fully past due and closed, which does not accurately represent the current status of my arrangement with the Child Support Enforcement. This misreporting is unfairly harming my credit profile and does not reflect my current payment behavior or standing with the creditor. 

I kindly ask that you contact the creditor directly to verify the updated status of this account. I am confident that you will find that I am meeting my obligations as agreed and that the account should not be reflected as fully past due. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Please conduct a prompt and thorough investigation into this matter and update my credit report accordingly. 

If additional documentation is needed from me to assist in your investigation, please let me know, and I will gladly provide it. 

Thank you for your prompt attention to this dispute. I look forward to your response confirming the results of your investigation within the timeframe allowed under the FCRA. 

Sincerely,

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