vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
RE : Formal Demand for Investigation and Permanent Deletion of Inaccurate, Incomplete, and Unverifiable Accounts Under FCRA 609 & 611 To Whom It May Concern, I am formally disputing the accuracy and legality of multiple items being reported on my Experian credit file ( Report # XXXX, dated XX/XX/XXXX ). Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Experian is required to conduct a reasonable reinvestigation and delete any information that is inaccurate, incomplete, or can not be verified.

The following accounts are in violation of FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ), and 611 ( A ) ( 5 ) as they contain inconsistent, unverifiable, outdated, or misleading information : XXXX XXXX XXXX ( Acct : XXXX  ) Reports contradictory balances and late payments. Verification documentation ( signed contract, payment ledger ) must be produced, otherwise delete immediately. 

XXXX XXXX ( Acct : XXXX ) Reports charge-off and balance of {$190.00}, but no activity since XXXX. This appears obsolete and unverifiable. Must be deleted under FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX ( Acct : XXXX ) Reports charge-off with balance {$360.00}. Duplicate dispute remarks violate FCRA 607 ( b ) for accuracy and integrity of reporting. Must be removed. 

XXXX XXXX  ( Acct : XXXX / XXXX ) Debt buyer entries without proof of original creditor authorization or chain of title. Under FDCPA 809 ( b ) and FCRA 609 ( a ) ( 1 ), furnish original signed contract or delete. 

XXXX  XXXX XXXX XXXX XXXX ( Acct : XXXX two accounts ) Reports conflicting charge-off balances ( {$560.00}, {$200.00} ) and payment histories, violating FCRA 607 ( b ). Unverifiablemust be deleted. 

XXXX XXXX XXXX ( Acct : XXXX ) Reports collection for XXXX. No original creditor contract or chain of assignment is provided, violating FDCPA 807 ( 8 ) ( false credit reporting ). Must be deleted. 

XXXX XXXX ( Acct : XXXX ) Reports as charged off and purchased by another lender, yet still shows balance {$0.00}. This is duplicate, misleading, and unverifiable under FCRA 611 ( a ) ( 5 ) ( A ). 

Demand : Provide copies of the original signed contracts, payment histories, and legal chain of assignment for each account. 

If Experian or the furnishers can not fully verify within 30 days, these accounts must be permanently deleted. 

Be advised that continued reporting of unverified or inaccurate information will constitute willful non-compliance with the FCRA, subjecting Experian and furnishers to civil liability under 15 U.S.C. 1681n & 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am reporting Transunion for unlawfully furnishing and reporting a XXXX  XXXX XXXX  CREDIT CARD account on my personal consumer report, even though this obligation is strictly a business/commercial account and does not fall under the scope of consumer reporting under FCRA 603 ( c ) and 603 ( d ) Transunion reported this account with derogatory statuses, including late payments, high balances, and charge-offs, despite it being clearly labeled as a business/commercial revolving account, which creates no consumer liability and carries no permissible purpose for consumer reporting under FCRA 604 Transunion has therefore violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy and FCRA 611 by failing to obtain verifiable evidence of consumer liabilitywhich XXXX XXXX can not provide because no consumer contract, personal guarantee, or consumer credit application exists for this commercial account. XXXX  XXXX XXXXXXXX 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 2025-11-27 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXL XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX U.S. Code XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX U.S. Code XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under XXXX U.S.C. XXXX ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, XXXX U.S.C. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at XXXX U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-27 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-27 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: Continental Finance Company, LLC
State: UT

Complaint narrative:
In XX/XX/year>, I opened a Reflex XXXX account issued by Celtic Bank and serviced by Continental Finance Company ( CFC ). The card was advertised as reporting monthly to all three major credit bureaus and I obtained it specifically to build positive credit history. Since opening the account, I have used the card and made payments on time each month. 

As of my most recent credit reports dated XX/XX/year> from XXXX XXXX XXXX XXXX, this XXXX account does not appear at all on any of my credit files. In contrast, another card serviced by CFC ( the FIT card issued by XXXX XXXX XXXX, opened XX/XX/year> ) is reporting correctly to all three bureaus as an individual revolving account with a {$400.00} limit, high balance {$140.00}, and pays as agreed status. This shows that CFC is capable of and currently furnishing data to the bureaus, but is omitting the XXXX account entirely. 

On XX/XX/year> I emailed CFCs back office to report XXXX issues : ( XXXX ) my XX/XX/year> XXXX statement had not posted to my online account, and ( XXXX ) the account was not being reported to any credit bureau despite several months of use and ontime payments. I asked XXXX to post the missing statement, correct the reporting failure, and provide written confirmation. 

XXXX responded by mailed letter dated XX/XX/year> stating only that they are unable to honor your request and that the account is being accurately reported to the credit bureau agencies and can not be altered. They did not explain why the XXXX account is not present on any of my credit reports or provide any documentation showing that it is being reported. 

The result is that my positive payment history on the XXXX card is not being furnished to any bureau, while CFC claims they are reporting accurately and refuses to correct the issue. This deprives me of the primary benefit that was advertised for the card ( monthly reporting to all three bureaus ) and prevents my ontime payments from contributing to my credit history. I am asking the CFPB to require CFC to properly investigate, to begin furnishing complete and accurate data for the XXXX account to all three major bureaus ( including backdating the history to the accounts opening in XX/XX/year> ), and to address any harm caused by the failure to 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 2025-11-27 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-27 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-27 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:
This entry is not valid and does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX  {$1600.00} XXXX. XXXX yrs owned {$15000.00} tried to revive in victim to f if they and 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 2025-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app automatically linked my debitcard and allowed a charge to clear. It cleared through my bank, at the time of withdraw i had got a new debit card from bank and i removed old one from cash app and locked the card. However vin history charged the cash app card and it went through when it was locked cash app automatically linked my card and let that charge clear without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
I am filing this complaint because my credit file contains multiple false items that violate federal accuracy and verification requirements under the Fair Credit Reporting Act. These unauthorized inquiries continue to harm me and must be removed. I request immediate CFPB review and enforcement so the bureaus and furnishers verify each item with proper documentation or delete them. 

INQUIRIES XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, have no account relationship with this entity on that date, and did not initiate any application that would permit access to my report. Any inquiry lacking permissible purpose under FCRA 604 must be removed. 
FCRA 604 FCRA 607 ( B ) FCRA 611 XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and does not align with any request or application I made. Since the bureau can not show permissible purpose, it must be deleted. 
FCRA 604 FCRA 607 ( B ) FCRA 611 I request full reinvestigation and deletion of all unverifiable information listed above.

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 2025-11-27 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: MI

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 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 2025-11-27 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: GA

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 explanation