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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint because several items on my credit reports appear inaccurate or unverified. I am requesting the CFPBs assistance in having each credit bureau properly investigate and correct or remove any information that can not be verified. 
1. Charged-Off Account Disputed XXXX XXXX  ( XXXX  XXXX ) Account : XXXX Date Reported : XX/XX/year> Balance : {$810.00} I am disputing the accuracy of this account. I request proper verification of the account, including ownership, balance, and dates. Please delete the account if it can not be verified. 

2. Inquiries No inquiries included for Experian in this dispute.

3. Late Payment Disputed XXXX XXXX Account : XXXX The late payment reporting appears inaccurate. I request verification of the dates and payment history. Please correct or remove any unverified 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 2025-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I went to XXXX XXXX and was told that my total out-of-pocket cost for the visit was {$340.00}. I paid the {$390.00} in full on the day of service. I was never told that I might owe anything additional. 

Later, XXXX XXXX contacted me and said I owed an additional {$840.00} because my insurance did not pay. I immediately contacted the office multiple times asking for an itemized bill, an explanation of the charges, and proof of the insurance denial. Instead of helping me, the staff was dismissive and repeatedly told me to call your insurance. They never provided any breakdown or documentation showing how the original quote increased to {$840.00}. 

Despite my attempts to resolve this directly with XXXX XXXX, they sent the alleged balance to Harris & Harris , Ltd. for collections without giving me the information I requested. I dispute this debt. I already paid the amount I was told was my full responsibility. I would not have agreed to treatment if I was told it would cost over {$1200.00} out of pocket.

I am requesting that the CFPB require Harris & Harris , Ltd. to validate the debt and require XXXX XXXX to provide a full explanation of the charges. I am also requesting that no negative credit reporting occur while this dispute is open.

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 information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, good afternoon. 



I would like to open a dispute regarding a credit report entry for my credit card account, because the information submitted by the bank does not accurately reflect my actual balance on the statement closing date. 



Issue details : XX/XX/year> My payment was scheduled on the XXXX. 
The bank did not process the payment on time, even though it was authorized by me. 
As a result, a higher balance than what I really owed was reported, which increased my utilization percentage and negatively impacted my credit score. 
This report does not reflect my real consumer behavior, as there was no late payment or missed payment. 




I respectfully request that an investigation be opened and that the reported balance be corrected to accurately reflect the payment that was scheduled before the statement closing date.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the following items on my credit report. I believe the listed accounts are inaccurately reported and need to be corrected. Below, I have detailed the accounts in dispute, separated by bureau. 

XXXX XXXX XXXX : XX/XX/year>

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reviewing my credit report from TransUnion and noticed discrepancies regarding the charged-off accounts and inquiries. I request that TransUnion investigate these accounts thoroughly, and if any of these items can not be verified, they should be removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No : XXXXXXXX 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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, ND XXXX LVNV Funding XXXXXXXX XXXX XXXX XXXX, SC XXXX RE XXXX Immediate Cease and Desist Unlawful and Harassing Debt Collection Attempts To Whom It May Concern, This letter is a final and formal Cease and Desist demand regarding your ongoing and harassing attempts to collect an alleged debt from me. Your continued communication and collection tactics are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), and your conduct has crossed into unacceptable and unlawful behavior. 
Effective immediately, you are ordered to STOP ALL CONTACT with me in every form including calls, messages, emails, mailed notices, or contact with third parties. You are further prohibited from any additional attempts to collect this alleged debt unless and until you provide legally required full and complete written validation, including : A detailed breakdown of the alleged amount The name and information of the original creditor Legal documentation proving that you have the right to collect Any contract, agreement, or document bearing my signature You have failed to provide this information, yet continue collection attempts. This is a violation of federal law. 
If you continue your unlawful conduct or fail to comply with this Cease and Desist notice, I will immediately take action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with the North Dakota Attorney General Pursuing civil litigation seeking statutory damages, legal fees, and any additional relief available under federal law I am not required to warn you again. You are required to confirm in writing within 10 days that all collection activity has ceased. 
This is your final notice. Any further contact other than written confirmation of compliance will be documented and used as evidence of willful violation. 
Sincerely, XXXX XXXX

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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: MI

Complaint narrative:
I am filing this complaint because my consumer report continues to show multiple inaccurate items even after repeated disputes, and these errors are harming me. I have consistently requested proper reinvestigation under the FCRA, yet the reporting continues without verification, which violates my rights. I am requesting immediate review and correction or deletion of all inaccurate information listed below, as these entries do not belong to me and have created ongoing financial and personal hardship. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX This address is not mine and has never been associated with me. Reporting an address I have never lived at is inaccurate and violates my right to fair and verifiable reporting. 
FCRA 602 ( a ) FCRA 603 ( d ) FCRA 607 ( b ) FCRA 611 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have no connection to this address and it should not appear anywhere in my file. Continued reporting after prior disputes reflects failure to maintain maximum possible accuracy. 
FCRA 602 ( a ) FCRA 603 ( d ) FCRA 607 ( b ) FCRA 611 ( a ) ACCOUNT ACHIEVE PERSONAL LOANS XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Chargeoff I have no knowledge of this alleged account and have never entered into any agreement with this lender. Reporting an unknown chargeoff without providing proper verification after a dispute violates the FCRAs reinvestigation and accuracy requirements. This account must be deleted. 
FCRA 602 ( a ) FCRA 603 ( d ) FCRA 604 ( a ) ( 2 ) FCRA 607 ( b ) FCRA 611 ( a ) INQUIRIES XXXX XXXX XXXX XX/XX/XXXX I never authorized this inquiry or provided permissible purpose. Reporting inquiries without consent violates permissible-purpose requirements. 
FCRA 604 ( a ) ( 2 ) FCRA 607 ( b ) FCRA 611 ( a ) XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry was not authorized by me and must be removed. Reporting unverified access to my credit file violates permissible-purpose requirements under the FCRA. 
FCRA 604 ( a ) ( 2 ) FCRA 607 ( b ) FCRA 611 ( a ) These errors have harmed my ability to obtain credit and created ongoing financial strain. I am requesting that the CFPB require the credit bureau and furnishers to conduct a full, lawful reinvestigation, remove all unverifiable information, and confirm compliance with all FCRA obligations.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: LA

Complaint narrative:
I ordered a cash app card 4 months ago and I've tried XXXX times to activate it. I've called emailed and used the chat on the cash app app. They either won't reply or tell me to try activating it again. I can use the app only for accepting a deposit from family or friends but I have to transfer it to my linked debit card. I've lost my job due to not being able to use my cash app card. I lost {$750.00} to be exact.

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: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Disputed Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to dispute the following accounts and inquiries appearing on my credit report. These accounts are in dispute due to inaccuracies and issues related to reporting. Please see the details below, separated by each bureau. 

Charged Off Accounts XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries None listed for Experian.

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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has failed to properly investigate a company who is falsely claiming debt that is not mines. The company is not reporting accurate information an are not providing original documentation with my signature. Transunion is harming my credit report and placing inaccurate monthly payment information which is harming 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 2025-11-27 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of certain accounts on my credit report. The following items are currently under dispute and require your immediate attention. I believe these accounts may be inaccurately reported, and I request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account is inaccurately reported. Please verify the details of this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Please verify the account status, as this XXXX not reflect accurate reporting. 

UNAUTHORIZED COLLECTION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19.00} Dispute Reason : This collection account is unauthorized and should be removed from my report.

Company response to consumer: Closed with explanation