vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). 

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-10 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} DPEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} DPEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
Some one used my social to open credit cards with XXXX XXXXXXXX and others took out loans back taxes my credit score was at XXXX in XXXX niw its at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: DC

Complaint narrative:
I recently reviewed my consumer report and I noticed some discrepancies that require attention. 

Please see attached document

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 2025-07-10 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : DEPT OF EDUCATION/XXXX XXXX Balance : {$3300.00} late 90 days XXXX  2025, 120 days late XXXX 2025 DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3300.00} late 90 days XXXX  2025, 120 days late XXXX 2025 DEPT OF EDUCATIONXXXX XXXX Balance : {$2700.00} late 90 days XXXX  2025, 120 days late XXXX 2025 DEPT OF EDUCATIONXXXX XXXX Balance : {$2100.00} late 90 days XXXX  2025, 120 days late XXXX 2025 DEPT OF EDUCATIONXXXX  XXXX Balance : {$1800.00} late 90 days XXXX  2025, 120 days late XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
I'm requesting validation of a debt. I haven't received the requested documentation, and the company keeps reporting this account. I want them to stop doing so until they legally verify the debt. I want it investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Experian for failing to conduct a reasonable reinvestigation of multiple disputed items on my credit report. When I previously submitted evidence showing reporting errors by XXXX XXXX XXXX XXXX XXXX, Experian merely forwarded the dispute to those furnishers and accepted their responses without independently verifying anything. 

This is not a reinvestigation its a rubber stamp process that violates the FCRA. Experian failed to evaluate the validity of the accounts or the evidence I submitted. This exact issue was highlighted in a CFPB lawsuit against Experian, and my case reflects the same systemic failures. 

I am demanding that Experian reopen my disputes, conduct a full and independent reinvestigation, and remove all inaccurate or unverifiable information from my credit report immediately.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX  and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is XXXX XXXX correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by 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 2025-07-10 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: NY

Complaint narrative:
I was involved in the XXXX and the XXXX data breach i have been fighting with everyone about these accounts XXXX XXXX XXXX ( total XXXX bank XXXX missouri ) XXXX lvnv XXXX ( revvi visa mrv banks ) XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
I am disputing a rent collection reported by [ XXXX XXXX XXXX XXXX / SOUTHWEST RECOVERY SERVI ] on my credit report. 

I paid my rent on time every month. The landlord tried to charge me unauthorized and unexplained fees. When I refused to pay the additional charges which they couldnt justify they filed for eviction. 

However, after reviewing the facts, the eviction was dropped, because I had been paying my rent in full and on time. Instead of pursuing the case, the landlord offered me {$1700.00} to voluntarily vacate, which I accepted. I moved out by the end of XX/XX/year>, which the landlord agreed to extend while I find another place to live. 

They also returned my security deposit, which proves that no money was owed. There was no judgment, no debt, and no agreement stating I owed any amount. 

Despite this, a collection account was placed on my credit report, which is false and damaging. Ive disputed this with the credit bureaus, but it still remains. This is a clear violation of the Fair Credit Reporting Act, and I am requesting that the CFPB investigate and help get this collection fully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
I received a payment from a friend to send to another friend through a different form of payment. They asked for their money back and I explained I already transferred and sent the money over. I do believe that he reported my account and in result it was closed. I have never had any problems with cashapp and I dont believe as if 1 little report should have closed my account. I use my account for many things and would love if it can be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
A few months ago I took out a loan with Tower Loan of XXXX, Alabama. Recently I responded to an offer to increase my loan amount and responded to the offer. They had me come in to sign paperwork in order to do this. Additionally, they had me declare " collateral '' in order to take out this loan. The loan is only around XXXX I would only receive XXXX from this loan after they used the rest to pay off the previous loan. What they did not tell me and what I did not know was they would immediately make my loan a public record by filing a UCC filing with the Secretary of State of Alabama. I have taken out many personal loans in my life and I have even taken out previous loans with Tower Loan and have always paid them off. My loans have never been made public like this. I have always thought borrowing money was private and my credit information was private. Had I known that my loan would be made public, I would have never agreed to this. I am asking that this be removed.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Written statement On XX/XX/XXXX at around XXXX XXXX, I attempted to log into my Chime account. I immediately noticed that my Face ID was turned off and I always have it on. my password did not work so I reset it through my email. When I was able to log into my account, I saw that {$1500.00} was taken. There were two transactions of a Chime to Chime transfer to a person named XXXX XXXX. I do not person know anyone by this name nor have them in my contacts. I immediately contacted Chime to report these transactions and the fraud department to secure my account the same day, XX/XX/XXXX. After filing the dispute, I uploaded the evidence that I had available. The same day I got a email saying that there was no error found. Immediately contacted Chime again to re-file the dispute and ensure them that these transactions were unauthorized, and my account had been hacked. 

Later in my email trash folder, three emails from Chime. These emails included : 1. The confirmation for the XXXX dollar transfer XXXX. The confirmation for the {$500.00} transfer XXXX. And alert from Chime saying that there was a new login into my account from a XXXX device and in the approximate location of XXXX XXXX  I did not see these emails with my initial disputes because the person was able to also compromise my email and put those specific emails into my trash folder. I also had to change my email password. I immediately contacted Chime again to give them this new information. 

I also provided proof that I do not use a XXXX device and I have an XXXX XXXX to always log into my chime account. I also am not nor have ever been in XXXX XXXX. I also work in XXXX  full-time. so it is evident that I did not login to my Chime account from a different state or a different device. 

I have also filed a police report on XX/XX/XXXX for these transactions. I have requested a copy from the police department. It concluded that the money was stolen from my account. 

I also filed fraud complaint with the federal Bureau of investigation. I have given them all information and the only information that I have of the person that received the money is the name XXXX XXXX, since he is a member, Chime has the other information. 

I know that I have provided Chime with all necessary information that I possibly could. The evidence is concrete and self explanatory that my account had been compromised. 
After 9 disputes filed, Chime continues to disregard all the evidences and not issue a full refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I just noticed that your company is reporting the following account listed below on my credit report. Account number : XXXX, Please validate this debt. Please investigate and get back to me Fast. This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof of how your company assessed the outstanding debt. 5. Payment history from the original creditor. 6. Name and address from the original creditor. 7. Copy of the original contract bearing my signature. 8. Chain of title on this debt. 9. Proof that you can collect this debt from me. 10.Do you own or is this debt assigned? 11.Copies of all letters sent to me from you and the original creditor regarding this debt. 12.How much did you buy the debt for? 13.When was the last date a payment was made on this debt? 14.What fees/interest was tacked onto the debt? 15.How were the fees determined? Thank you for your time and cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: AZ

Complaint narrative:
XXXX XXXX is withholding over XXXX dollars from me.. I have been trying to get it for over a year now but they locked the card because the name they printed on it is not my full namethey wont give me any way to provide proof of who I amthey give me the run around I have called them over 50 times about it with no resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Payment History Request for Verification Under FCBA & FCRA I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the ongoing inaccurate reporting of a payment history entry on my credit report. This dispute is being submitted directly by me, not by a third party, and is a follow-up to my original dispute filed 35 days ago. 

Despite my initial notice, the reporting agency has failed to correct or validate the late payment being reported. I am exercising my legal rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), both of which mandate the accurate reporting and verification of consumer credit information. 

Disputed Account : XXXX ( Late Payment - Open ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute : Under 15 U.S.C. 1666 ( b ), billing errors include : Failure to properly apply or credit a payment Clerical or accounting mistakes Failure to provide adequate advance notice ( minimum of 21 days ) before charging late fees or reporting delinquencies No documentary evidence has been provided to support the late payment reporting. Therefore, under both the FCBA and FCRA, the data is considered unverifiable and inaccurate and must be removed or corrected immediately.

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