vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
I had money stolen out of my account, random purchases. I gave them proof that they needed. They denied my dispute and my appeal. They refunded me some of the purchases, and then also denied almost all that I filed that appeal against. I want a refund of everything that I disputed. I was in the hospital for a week with with XXXX  XXXX for XXXX 's sake. I was given money to help me with bills and my abusive ex-husband who I thought was trying to help me, purchased and sent money and just did random things with my money while I was sick. And now cash app is not helping me, they say it's in progress each time I reach out to y'all to complain about it, but the progress has already been done, how much longer do I have to wait? I have XXXX children and barely making it by. These screenshots that I'm sending are the transactions that he made on my card that have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
Dear Experian, Im writing again about the XXXX account ( ending in XXXX ) on my Experian report. This is my third dispute regarding this account, and Im now asking Experian to explain how the information was verified, because one detail is clearly wrong.

The account is reported with a {$180.00} balance and a charge-off status, but the High Credit is listed as {$0.00}. Thats impossible. An account cant be charged off or have a balance if no credit was ever extended.

Since this error has remained even after two previous dispute investigation and re-investigation, I have reason to believe that Experian did not receive or review actual documentation from the creditor to verify this data. Under FCRA 611 ( a ) ( 7 ), I am requesting a description of the procedures used to verify this information, including the name and contact information of the furnisher and the method of verification.

If Experian can not provide verifiable proof of the correct High Credit amount from the original creditor, this account must be deleted in accordance with FCRA 611 ( a ) ( 5 ) ( A ).

Please respond within XXXX  days and include the procedural verification details as required by law. 
Thank you for your attention to this matter. 
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
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SunTx Capital Partners
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for fraudulent, deceptive, and illegal credit-reporting practices related to an account that appears only on my XXXX  credit report and not on any other credit bureau. 

Details of the account ( as reported by XXXX  ) : Creditor name : XXXX XXXX XXXX Reported balance : {$50000.00} Past-due amount : {$49000.00} Date of last payment : XX/XX/XXXX Date reported : XX/XX/XXXX Account status : Closed This account is fraudulent and inaccurate for the following reasons : 1. I have no valid or verified contract with XXXX XXXX XXXX XXXX 
2. The company is believed to have engaged in predatory lending and illegal finance practices against truck drivers and small-business owners.

3. This account was previously removed or not reported by other credit bureaus ( XXXX  and XXXX  ), yet it was suddenly re-inserted only on XXXX, which indicates possible data re-aging or unauthorized reporting. 
4. The re-reporting in XX/XX/XXXX violates the Fair Credit Reporting Act ( FCRA 605 and 623 ) since it misrepresents the age and legitimacy of the debt. 
5. XXXX  continues to display this unverifiable and damaging information despite my prior dispute. 

This selective and inaccurate reporting has harmed my credit reputation and financial opportunities.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 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:
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 XXXX 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 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 2025-11-09 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: VA

Complaint narrative:
I am submitting a new complaint referencing CFPB Complaint # XXXX because Equifax has failed to correct or delete inaccurate information on my credit report for the following account : Creditor : XXXX XXXX XXXX / Resolution Department Account # : XXXXXXXX XXXX XXXX XXXX XXXX Despite my previous complaint and Equifaxs response dated XX/XX/XXXX, the account continues to display multiple contradictions and factual inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). Equifax verified the information as accurate, but the following issues remain : 1. Conflicting Account Status XXXX  and XXXX  show Paid, while Equifax continues to show Derogatory/Charge-off. This violates FCRA 1681e ( b ) requiring maximum possible accuracy.

2. Re-Aging / Continued Reporting The account shows a {$0.00} balance, yet Equifax continues to update it monthly ( last reported XX/XX/XXXX ) as Charge-off. This is misleading and violates FCRA 1681c ( a ) ( 4 ) - ( 5 ).

3. Conflicting Dates Date of Last Payment and Date Last Active are inconsistent with other bureaus ( Equifax shows XX/XX/XXXX while others show XX/XX/XXXX ), violating FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

4. Failure to Conduct a Reasonable Reinvestigation Equifax verified the account without addressing documented discrepancies, violating 1681i ( a ) ( 1 ) ( A ).

5. Failure to Delete Unverifiable Information Because the account remains inaccurate across all bureaus, Equifax must delete it under 1681i ( a ) ( 5 ) ( A ).

These errors are materially damaging and show that Equifax did not ensure maximum possible accuracy under the law. I am requesting immediate deletion of this account from my Equifax credit report under FCRA 1681e ( b ), 1681i ( a ), and 1681c ( a ) ( 4 ) - ( 5 ).

Please require Equifax to remove this unverifiable and contradictory data from my file and provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I asked Equifax to verify all accounts under usc. 1681 I 7, This law requires a full detailed investigation of the name of company, email address, phone number, fax number and all other important information. I got verify with no details. Not vero.

Now I am requesting for matching Dofd ( date of first delinquency ). None matching dofd. Disputing 30,60,90 days late, I am using 15 usc 1637 A and 15 usc 166B. My last verification of debt from your company was a joke and not verified. They always come back saying verified with no details. This company is breaking the law. Today is XXXX XXXX and you will have 15 calendar days only. By XXXX XXXX I need my accounts verified or removed by not being verified like required by law. This is your last chance. You will be in federal court house being sued for {$10000.00} for damages plus {$1000.00} per violation liked required by law.

Ucc 1-308 Without recourse XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains inaccurate address information that does not reflect my current or correct residence. My current and only address is XXXX XXXX XXXX, XXXX, CA XXXX, yet Equifax continues to report incorrect prior and current addresses, including XXXX XXXX XXXX, XXXX, CA XXXX. 

These inaccuracies create potential risks for identity confusion, misattributed accounts, and improper reporting of financial activity. Incorrect address information can impact credit decisions, lending approvals, and the overall accuracy of my credit profile.

Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to maintain maximum possible accuracy in all consumer credit reports. Continuing to report incorrect addresses without verification violates this federal law and exposes me to potential financial and personal harm. 

I have previously disputed these inaccuracies with Equifax, yet they remain uncorrected. This demonstrates a failure to conduct a reasonable and complete reinvestigation, as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: NY

Complaint narrative:
I am submitting this complaint because my credit reports from XXXX XXXX, and Equifax are inaccurately reporting a late payment on an account that is Paid and Current. The continued reporting of this item is incorrect and violates my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ), 1681i ), which require credit reporting agencies to ensure that all information is accurate, complete, and properly verified. 

The account in dispute is : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> Balance : {$0.00} Past Due : {$0.00} XXXX XXXX This account is fully paid and current, and there is no outstanding balance or past-due amount. Its appearance as a late payment misrepresents my creditworthiness and has negatively impacted my credit score. I have previously contacted the bureaus to dispute this inaccurate reporting, but no effective correction or removal has been made. 

By continuing to report this inaccurate late payment, the bureaus are failing to comply with their obligation under the FCRA to conduct a reasonable reinvestigation of disputed items. Such negligence not only violates federal law but also causes tangible harm to my financial standing, including credit denials, higher interest rates, and ongoing stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
statement should have a balance of 0. Unauthorized charges on the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 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:
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 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 2025-11-09 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:
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 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 2025-11-09 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: CA

Complaint narrative:
Subject : False and unverifiable collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account for XXXXXXXX XXXX XXXX with an open date of XX/XX/year> a future date. 
It is currently XX/XX/year>, which makes this entry factually impossible and a violation of federal reporting laws. 

This tradeline violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 607 ( b ) Failing to maintain maximum possible accuracy FDCPA 807 ( 2 ) ( A ) Misrepresenting the amount, character, or legal status of a debt FDCPA 809 ( b ) Failure to provide validation of the debt upon request I have * * never received any validation or itemized accounting * * for this alleged apartment balance, and no lease documents or final statement have been provided to verify the amount claimed. 

Additionally, the account is being reported as * * active and opened in the future * *, which is a clear data fabrication or system error. 
Under FCRA 611 ( a ) ( 1 ) ( A ), information that can not be verified must be deleted immediately. 

I am requesting that the CFPB require XXXX XXXX XXXX to : 1. Provide a full validation package including signed lease, move-out statement, and payment ledger ; XXXX XXXX XXXX XXXX XXXX 2. Delete this unverifiable and inaccurate tradeline from all credit bureaus within 30 days. 

This false reporting is materially damaging my credit and preventing housing approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
Subject : False and unverifiable collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account for XXXXXXXX XXXX XXXX with an open date of XX/XX/year> a future date. 
It is currently XX/XX/year>, which makes this entry factually impossible and a violation of federal reporting laws. 

This tradeline violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 607 ( b ) Failing to maintain maximum possible accuracy FDCPA 807 ( 2 ) ( A ) Misrepresenting the amount, character, or legal status of a debt FDCPA 809 ( b ) Failure to provide validation of the debt upon request I have * * never received any validation or itemized accounting * * for this alleged apartment balance, and no lease documents or final statement have been provided to verify the amount claimed. 

Additionally, the account is being reported as * * active and opened in the future * *, which is a clear data fabrication or system error. 
Under FCRA 611 ( a ) ( 1 ) ( A ), information that can not be verified must be deleted immediately. 

I am requesting that the CFPB require XXXX XXXX XXXX to : 1. Provide a full validation package including signed lease, move-out statement, and payment ledger ; XXXX XXXX XXXX XXXX XXXX 2. Delete this unverifiable and inaccurate tradeline from all credit bureaus within 30 days. 

This false reporting is materially damaging my credit and preventing housing approvals.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP
State: GA

Complaint narrative:
On XX/XX/year> around XXXX XXXX, I went to the Ameris Branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ). I wanted to acquire a new debit card. I froze my card on the Ameris Bank app previously before going to the branch. On the app it states that you could obtain a new debit card at certain branches within the same day. I explained my situation to the bank teller. She mentioned that she had never heard of receiving a card within the same day at any bank. It was clear to me that the bank teller was discriminating when she responded like that. When I mentioned calling a different Ameris branch, her demeanor changed, as if she didn't want me to call. As per her statement, a branch cant help me because I have an online account but I can give calling a shot. To my surprise, she offered me the chance to receive a new debit card by mail and I agreed. After canceling my card, I wrote a cash check for {$390.00} from my checking account. A few weeks went by and I didnt receive a card. I'm was upset because of the previous experience with Ameris and I know for a fact that this was done purposely. Eventually, I took matters into my own hands and spoke with a representative from Ameris customer service ( XXXX ). XXXX mentioned that there was no order made for a new debit card. XXXX scheduled me the next day to pick up a replacement debit card at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I feel disrespected and disgusted by the experience in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
Subject : Duplicate and inaccurate reporting with mismatched balances XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off my account and transferred it to XXXX XXXX XXXX, yet both companies are reporting the same debt with different balances. 

XXXX XXXX  lists the account as charged-off but still shows a past-due balance of {$790.00}. 
XXXX XXXX XXXX reports a collection for the same debt with a different balance of {$990.00} and the same original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

This is duplicate and inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

It also violates FDCPA 807 ( 2 ) ( A ) ( misrepresenting the amount of a debt ).

I previously disputed this directly through Experian, but it was verified without documentation. No chain of assignment or itemized breakdown of the added charges was provided. 

I request that the CFPB require either XXXX or XXXX to delete its tradeline and correct all balances to {$0.00} where applicable. 

Attached : screenshots of both tradelines showing duplicate entries and conflicting amounts.

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