vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: AZ

Complaint narrative:
I am filing this complaint against Equifax. for multiple FCRA violations, Metro 2 compliance failures, and unlawful reinsertion/re-aging of a charged-off credit card account ( ending in XXXX ). 
This account was previously deleted from my credit reports but later reinserted without proper certification and without the required written notice within 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ). 

In addition, XXXX XXXX has furnished inaccurate and contradictory data across all three CRAs : Date of First Delinquency ( DOFD ) : Equifax reports XX/XX/XXXXXXXX XXXX  omits entirely, XXXX  omits entirely. 
Payment History Grid : XXXX  shows XXXX and 150 day late codes in XXXX, while Equifax skips XXXX entirely, and TransUnion provides no grid at all. 
Charge-Off Reporting : All three CRAs show continuous CO codes into XXXX despite DOFD in XXXX, unlawfully re-aging the account and extending derogatory reporting beyond the 7-year limit. 
Last Payment Date : Conflicting across bureaus ( Equifax XX/XX/XXXXXXXX XXXX  conflicting, TransUnion missing ). 
Compliance Condition Code : XXXX XXXX has not applied the required XB code ( consumer disputes, investigation pending ), violating Metro 2 standards.

These contradictions show systemic noncompliance with 623 ( a ) ( 5 ), 623 ( b ) ( 1 ), and 607 ( b ) ( maximum possible accuracy ). Equifax is not conducting reasonable investigations, but instead continues to verify ownership while ignoring field-level inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have received notifications through my XXXX XXXX XXXX plan that someone tried to open bank accounts with my information at XXXX XXXX, Citi Bank and XXXX XXXX. I got a letter from XXXX XXXX stating they blocked the application as they couldn't verify my information. Also, I received a physical debit card in the mail from Citi Bank to activate my card.

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 2025-08-19 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the payment history reported for the XXXX account listed on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date XX/XX/XXXX XXXX XXXX  XXXX. XXXX Late Date XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX. XXXX Late Date XX/XX/XXXX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-08-19 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Items reported on credit inaccurate, removal being requested.

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 2025-08-19 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: VA

Complaint narrative:
Items reported on credit inaccurate, removal being requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Insurance debt on car insurance didnt even know that I had asked them to remove have no knowledge of car insurance and they put this on my credit when I dispute it they keep saying it will remain on my credit report with no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint against Transunion for its repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Transunion with multiple FTC Identity Theft Reports, proof of identity, and sworn statements, Transunion has failed to comply with its obligations under FCRA 605B and 611 ( a ) by refusing to block or delete fraudulent accounts from my credit file and by failing to complete a proper reinvestigation. The fraudulent accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of which remain on my report in direct violation of federal 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I DO NOT RECOGNIZE THESE ADDRESSES PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY THANK YOU XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: HI

Complaint narrative:
I called XXXX XXXX  directly to resolve Debt, they informed me they sold this debt to Tru Accord and told me to call Tru Accord as they could not help me, but XXXX XXXX  still shows on my credit report as an outstanding debt of {$1800.00} when it should show {$0.00} and as a charge off ... Unethical and immortal to sell the debt to a debt collection agency and still report the debt on my credit report then have XXXX individual debts for the same debt ... XXXX XXXX  sold the debt and needs to remove themselves from my credit report or buy the debt back from Tru Accord whom they sold they debt to....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit Corp Solutions IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Request for Debt Validation  Pursuant to FDCPA, 15 U.S.C.  1692g &  1692c\nTo Whom It May Concern,\nI am writing in response to your recent communication regarding an alleged debt. This letter is a formal request for validation of the debt, as provided under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g.\nPlease provide me with the following:\n1.\tThe name and address of the original creditor.\n2.\tThe amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges.\n3.\tA copy of the original signed agreement or contract creating the obligation.\n4.\tProof that Credit Corp Solutions has the legal right to collect this debt (chain of custody/assignment of debt).\n5.\tVerification that this debt is within the statute of limitations for collection in my state.\nBe advised that until validation is provided, you must cease all collection activities, including phone calls and written correspondence, as required under 15 U.S.C.  1692c(c). Additionally, any attempt to report unverifiable information to the credit reporting agencies will be considered a violation of the FDCPA and the Fair Credit Reporting Act (FCRA).\nPlease send all correspondence regarding this matter in writing to the address listed above.\nThank you for your cooperation.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX BALANCED : {$0.00} XXXX  XXXX BALANCED {$0.00}

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted several disputes to Equifax regarding fraudulent accounts that were reported on my credit file. Each dispute included my identity theft report and supporting documents, yet these accounts remain unchanged on my report. Equifax has not complied with its obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably investigate and correct inaccurate or fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( operated by Block XXXX XXXX ) for failure to provide required transaction information and failure to properly address a mistaken peer-to-peer ( XXXX ) transfer. 

Between XX/XX/XXXX and XX/XX/XXXX, I mistakenly sent multiple payments totaling {$390.00} to another Cash App user. I immediately contacted Cash App support, requested reversal, and asked for transaction receipts that would identify the recipient for enforcement purposes. Cash App refused to supply this information, leaving me without a way to pursue recovery of my funds. 

I was forced to file a subpoena to obtain basic transaction records that should have been made available to me as the account holder. Cash Apps refusal to provide this information obstructed my ability to resolve the issue, both directly with the recipient and through legal enforcement. 

I believe this violates my rights under Regulation XXXX ( Electronic Fund Transfer Act ), which requires providers to investigate and resolve errors in electronic fund transfers, including mistaken or unauthorized transactions. Cash App also failed to maintain meaningful customer support for resolution, consistent with the XXXX recent Consent Order ( XX/XX/XXXX ) against Block , Inc. for systemic failures in handling fraud and dispute resolution. 

I am requesting : Immediate release of all receipts and records associated with these mistaken transfers. 

A full investigation of the disputed transactions as required under Regulation XXXX. 

Reimbursement or other relief as deemed appropriate under federal law. 

Attachments/ Supporting Evidence : Screenshots of payments. 

Copies of your requests to Cash App for receipts. 

Any correspondence with Cash App support. 

Proof of your subpoena filing.

Company response to consumer: Closed with explanation