vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
I sent cease and assist letter and asked for original documents from the debt that was brought

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by Sunrise Credit Services. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC laws.

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 2025-08-09 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-08 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: PA

Complaint narrative:
Failure to Provide Method of Verification & Continued Reporting of Unverified Accounts In XXXX XXXX I submitted a formal dispute to Experian regarding the following accounts, which I believe are inaccurate and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian responded with a generic verified result without providing evidence, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

On XXXX XXXX XXXX, I sent a Method of Verification request pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), asking Experian to disclose : 1. The method used to verify each disputed account.

2. The name and contact information of the furnisher ( s ) who verified the accounts.

3. A description of all steps taken to investigate. 

On XXXX XXXX XXXX I even sent an additional request for a method of verification. Experian has still failed to provide this information and continues to report the disputed accounts without proof of their accuracy. This violates : 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 6 ) & ( a ) ( 7 ) Failure to provide method of verification 623 ( a ) ( 1 ) ( A ) Reporting information without verification

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 2025-08-09 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: FL

Complaint narrative:
Subject : Inaccurate and unverifiable information on my credit report XXXX XXXX XXXX XXXX XXXX I am disputing inaccurate and unverifiable information reported by Equifax related to an account from XXXX XXXX XXXXXXXX reported as Charge-off . There are inconsistencies in the Date of First Delinquency, estimated removal dates, and historical balances compared to other credit bureaus. I requested documentary verification under FCRA 611 but was not provided with the original signed contract or account statements. I request Equifax to conduct a full reinvestigation and remove the account if it can not be properly verified. 

Request : Complete documentary verification of the debt. 

Immediate correction or removal if proof is not provided. 

Investigation into discrepancies found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Demand for Permanent Deletion Unlawful Reinsertion of XXXX XXXX Credit Card Account ( Balance : {$1500.00} ) Not My Account To Whom It May Concern, I am formally disputing the reporting of the following account, which has been unlawfully reinserted into my Equifax credit report : Creditor : XXXX XXXX XXXX XXXX Account Type : Credit Card Balance : {$1500.00} Ownership : Belongs to my father, not me This account does not belong to me and has never been my legal responsibility. It was previously deleted from my credit report after investigation and validation under the Fair Credit Reporting Act ( FCRA ). Its recent reinsertion constitutes a direct violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which explicitly prohibits reappearance of deleted information unless the furnisher has certified its accuracy and the consumer is notified in writing within 5 business days of the reinsertion. I have received no such notice, further confirming that this is an unlawful reinsertion. 

Under FCRA 15 U.S.C. 1681i ( a ), Equifax is obligated to conduct a reasonable reinvestigation of disputed information. This requires you to : Immediately delete the XXXX XXXX account from my credit report, Provide written confirmation of the permanent deletion within 15 days, and Supply all documentation Equifax relied upon to reinstate this account, including the certification of accuracy from the furnisher as required by law. 
Additionally, FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Reporting my fathers debt as my own is both inaccurate and unlawful. 
If Equifax fails to comply, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. I will also consider initiating civil action for actual, statutory, and punitive damages under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

This letter serves as your official notice under the FCRA. You are required to respond in writing within the statutory timeframe. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX of 2025 twenty-six times for the amount of XXXX cents, twice for the amount of {$1.00}, and once for the amount of XXXX cents i need my money back on my account or i will be contacting my lawyer and moving forward with a lawsuit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-09 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: GA

Complaint narrative:
dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened a new account with Huntington Bank. The disclosure on their website says new account funds will be available in 1-2 business days. I deposited 4 of my pay checks at XXXX. At XXXX that afternoon, I received an email stating my funds would be held until XXXX  I called and had a conversation with an employee who said yes I agree with you about the disclosure on the website but too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Experian is reporting a student loan tradeline containing factually inaccurate and unverifiable information. The account shows : An open date of XXXX ; First recorded payment history starting in XXXX ; Missing 7 years of payment history between the reported open date and first payment ; An undisclosed address identifier tied to this tradeline that is not documented within my current credit file. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy by reporting an open date without corresponding, complete payment history.

611 ( a ) ( 1 ) ( A ) Failure to provide verification from the original creditor records that substantiate the open date, full payment history, and identifying address data.

611 ( a ) ( 5 ) ( A ) Incomplete history and unverifiable identifying information render the tradeline inaccurate and require deletion. 

Required Action : This tradeline must be deleted unless Experian can produce, within this CFPB case : Full payment history from the reported open date through the present ; Original creditor documentation showing the exact date the account was opened ; Original creditor documentation showing the identifying address information used when the account was first reported. 

Failure to produce these exact records constitutes non-compliance with 607 ( b ) and 611 ( a ) ( 5 ) ( A ) and requires deletion not modification.

Additional Notice : This dispute is for full deletion only ; partial corrections or date changes are not acceptable resolutions.

Any reinsertion of this account after deletion must comply with 611 ( a ) ( 5 ) ( B ) - ( C ) including furnisher certification

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 2025-08-09 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: PA

Complaint narrative:
This morning, I spotted inaccurate accounts on my credit report and have no explanation for why theyre there. I usually check my credit report regularly, but these discrepancies popped up unexpectedly. I refreshed my browser hoping it was a glitch, but the inaccurate entries stayed. Therefore, I kindly ask for a careful review of the documents I sent to ensure I dont have to worry about this again.

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 2025-08-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
These accounts are not mine and appear to have been created fraudulently. I request their immediate removal and a detailed investigation. Relevant evidence has been attached.

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 2025-08-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i have a previous compaint you are working on i went thru my history and i believe this is the website, not 100 percent sure but this website is claiming to be able to show the balance of amex and isnt amex and i dont want this to happen to someone else.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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
On XX/XX/XXXX the equipment was return to the optimum facility XXXX was paid then another XXXX was paid the equipment balance was XXXX we returned the equipment email sunrise collections the receipt of the return equipment and they balance was still not balance and to zero spoke to XXXX was told that they update Their system and credit should have received the update that the XXXX was Credited because of the equipment being returned summarize never updated their system. We end up paying the XXXX to clear the balance out. I have been requesting a paid in full letter from sunrise credit for one month now every day it has been it has been emailed and I have never received email. Ive never received an email of confirmation of payment from the prior to payments. This is a huge problem a huge problem. The corporation is rude. Theyre nasty when you try to get information from them and ask for confirmation. Its hard to receive it. The only thing I am asking for is a paid in full letter and I have yet to receive it every day. Its a 24 to 48 hours. I have been patiently waiting and havent received anything. Im also requesting for a credit a refund of {$270.00}

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 2025-08-09 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: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Good evening, XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX has closed their doors. 

I continue to be Harassed by Comenity personnel attempting to obtain financial gain. The sources/actions and types of Harassment is with continuous daily Phone calls, Automatic calls, Fabrications of the numbers being used multiple times a day. 


Also, leaving live or autogenerated voice messages on our phones serves. 
Again, causing financial XXXX  and harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: NY

Complaint narrative:
A company called XXXX  is charging me for a balanced of XXXX XXXX It says the account was open XXXX XXXX, closed XXXX XXXX but last reported XXXX XXXX. No payments have been made I have 0 knowledge of this account I would like for it to be removed off my account

Company response to consumer: Closed with explanation