vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 am requesting that Equifax fully reinvestigate the items listed below to ensure they are accurately reported. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$3400.00} I request verification of : Balance amounts Charge-off dates Payment history and account status If these items can not be verified, I request that they be removed from my credit file. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify that these inquiries are valid and that I authorized them. If no verification exists, I request removal of these inquiries. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that Equifax verify these late payments and provide supporting documentation. If the furnisher can not verify the dates and payment history, I request that these late payments be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am respectfully requesting a full investigation into the accounts listed below. I believe these items may contain inaccuracies, incomplete reporting, or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), all information furnished must be accurate and complete. If any of these accounts can not be fully verified with proper documentation, I am requesting their removal. 

Charged Off Accounts Under Dispute XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} Late Payments Under Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-17 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
The following accounts and inquiries appear to contain errors or unverifiable information. I request that TransUnion reinvestigate each item and either correct all inaccuracies or delete any information that can not be fully verified according to FCRA requirements. 

CHARGED-OFF ACCOUNTS ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 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:
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 XXXX 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 disputed entries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I went to a XXXX XXXX atm to withdrawl {$720.00} from my cashapp card and it was originally declined twice. I tried it again not realizing the transaction actually went through and pulled off without grabbing my money. The person behind me took it. I have video footage and a police report. I need help that was my rent money. And {$720.00} is alot to lose in this economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
I disputed several inaccurate accounts that are being reported by the credit bureaus. These accounts contain multiple discrepancies, including inconsistent dates, incorrect balances, wrong past-due amounts, inaccurate charge-off information, conflicting account statuses, and reports of sold/transferred with no documentation to support it.

I formally requested a full investigation and verification under FCRA 609 ( a ) and FCRA 611. I specifically asked each bureau to provide documentation proving the accuracy of the information they are reporting, including the original creditor records, date opened verification, payment history validation, and proof of ownership/assignment if the account was sold or transferred.

Instead of providing any documentation or conducting a reasonable investigation, the bureaus simply responded with automated results and previously verified statements without supplying any evidence. This is not a proper reinvestigation and violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable investigation and factual verification.

The information being reported is inaccurate, inconsistent across the three bureaus, and remains unverified. Because the bureaus failed to validate the accounts as required by law and did not provide any documentation supporting their reporting, I am requesting CFPB assistance to require the company to either provide proper verification or delete the inaccurate information entirely as required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: PA

Complaint narrative:
I makes a transaction since XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX XXXX  to XXXX through Sendwave, money was expected to be received immediately, fortunately not The next day I called them they said I should wait 24 hours because they have technical issues Saturday 15 I called again they said the same thing, the same Saturday they sent a message that the transaction has been cancelled the money will refunded back in my bank. 

Monday 17 when calling them they said it would be refunded back in 5 to 10 business days While that money is waited to resolve important matters What I need is : They should give my money back as soon as possible They should be aware of that kind of issues If possible they should receive some kind of warning I dont know how this works but this what happens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
CFPB COMPLAINT COLLECTION ACCOUNTS DISPUTE ( FDCPA XXXX + Metro2 + FCRA + Escrow ) Consumer : XXXX XXXX Credit Bureau Report Number : XXXX Date of Report : XX/XX/year> XXXX. Summary of the Issue Multiple collection accounts are being reported on my XXXX  credit report without validation, violating FDCPA 15 U.S.C. 1692c ( c ), FCRA 602, 607 ( b ), 611 ( a ), 623 ( a ), CFPB Regulation V 1022.42, Metro2 Standards, and Escrow Chain-of-Custody Protocol. No collector provided ownership, contract, DOFD, chain of title, Metro2 data, or validation. 

2. Problematic Behavior Identified Collectors continued reporting after my validation request, violating FDCPA 1692c ( c ). Reporting, updating balances, and furnishing derogatory data continued without validation.

3. Metro2 Compliance Violations- Missing DOFD - Duplicate Collection/Past Due/Charge-Off statuses- Illegal balance updates- Missing XXXX dispute code - Missing Metro2 fields ( K2, ECOA, Creditor Classification ) 4 . Escrow Chain-of-Custody Failures Collectors failed to provide chain-of-title documents, Metro2 files, CRA logs, DOFD certification, account history , or audit trails. 

5. FCRA Violations Violations include 602 ( accuracy ), 607 ( b ) ( CRA procedures ), 611 ( reinvestigation ), 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate data ).

6. Requested Relief A. Require XXXX to obtain validation, Metro2 data, DOFD, ownership, escrow files, and chain of title.

B. Require deletion of all unverifiable collection accounts under FCRA 611 ( a ) ( 5 ) and FDCPA 1692c ( c ).

C. Conduct a furnisher audit.

D. Investigate XXXX accuracy procedures. 

7. Closing All collection accounts reported are unvalidated and non-compliant. I request CFPB intervention for deletion and enforcement.

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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
CFPB COMPLAINT COLLECTION ACCOUNTS DISPUTE ( FDCPA 1692c + Metro2 + FCRA + Escrow ) Consumer : XXXX XXXX Credit Bureau Report Number : XXXX Date of Report : XX/XX/year> XXXX. Summary of the Issue Multiple collection accounts are being reported on my XXXX credit report without validation, violating FDCPA 15 U.S.C. 1692c ( c ), FCRA 602, 607 ( b ), 611 ( a ), 623 ( a ), CFPB Regulation V 1022.42, Metro2 Standards, and Escrow Chain-of-Custody Protocol. No collector provided ownership, contract, DOFD, chain of title, Metro2 data, or validation. 

2. Problematic Behavior Identified Collectors continued reporting after my validation request, violating FDCPA 1692c ( c ). Reporting, updating balances, and furnishing derogatory data continued without validation.

3. Metro2 Compliance Violations- Missing DOFD - Duplicate Collection/Past Due/Charge-Off statuses- Illegal balance updates- Missing XXXX dispute code - Missing Metro2 fields ( K2, ECOA, Creditor Classification ) 4 . Escrow Chain-of-Custody Failures Collectors failed to provide chain-of-title documents, Metro2 files, CRA logs, DOFD certification, account history , or audit trails. 

5. FCRA Violations Violations include 602 ( accuracy ), 607 ( b ) ( CRA procedures ), 611 ( reinvestigation ), 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate data ).

6. Requested Relief A. Require XXXX to obtain validation, Metro2 data, DOFD, ownership, escrow files, and chain of title.

B. Require deletion of all unverifiable collection accounts under FCRA 611 ( a ) ( 5 ) and FDCPA 1692c ( c ).

C. Conduct a furnisher audit.

D. Investigate XXXX accuracy procedures. 

7. Closing All collection accounts reported are unvalidated and non-compliant. I request CFPB intervention for deletion and enforcement. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this dispute because Experian is reporting several accounts with inconsistent, outdated, or unverifiable data. Some balances and dates do not match across bureaus, and some items appear duplicated or inaccurately updated. Under the FCRA, Experian must report complete and verifiable information only. I request a reinvestigation of each item listed, and the removal of any account that can not be fully verified. 

CHARGED OFF Accounts in DisputeXX/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 2025-11-17 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: NC

Complaint narrative:
I am submitting this statement to dispute inaccurate information reported on my credit report by the following credit bureaus : TransUnion ( TU ). The accounts listed below are being disputed based on discrepancies in the reporting of charged-off accounts, inquiries, and late payments. I am requesting the immediate investigation and removal or correction of the disputed entries. Please find the details of the disputed accounts below, separated by each bureau. 

Charged Off Accounts : DEPTEDXXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$7400.00} XXXX XXXX  Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I am submitting these disputes to the Consumer Financial Protection Bureau ( CFPB ) because I have not received satisfactory responses from the credit reporting agencies directly. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of any unverifiable, inaccurate, or outdated items from my credit reports. 

Disputed Account : XXXX XXXX XXXX XXXX  Account # XXXX Reported as charged off dated XX/XX/XXXX. 

This account is obsolete and should no longer appear on my report since it exceeds the allowable 7-year reporting period. 

Please delete this account from my Experian file immediately. 

Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( listed twice ) XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize these inquiries, and I have not applied for credit with these companies. These appear to be unauthorized hard pulls and therefore violate FCRA 604. 
I request that Experian remove these inquiries from my file and investigate the source of the unauthorized access.

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 2025-11-17 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: MN

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 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because I believe the following information on my credit reports is inaccurate, incomplete, or being reported in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate these matters and ensure that all credit bureaus report only verified, accurate information. 


Disputed Accounts : XXXX  XXXX Account No. XXXX Date : XX/XX/XXXXXXXX  Issue : The reporting appears inconsistent across bureaus. Please verify ownership, balance, and date of first delinquency. 

XXXX Account No. XXXX Date : XX/XX/XXXX Amount : {$260.00} Issue : I do not recognize this account. Please validate it and provide documentation showing I authorized or opened it. 

Inquiries to Review : XXXX XXXX XXXX Issue : I do not recall authorizing this inquiry. Please confirm its legitimacy or remove if unauthorized.

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