vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: TX

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complain agains ash App ( Block, Inc. ) que to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TN

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : XXXX. Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7300.00} XXXX. Account Name : DEPT OF ED/XXXX  Account Number : XXXX Date Opened : XX/XX/scrub>XXXX  Balance : {$1200.00} I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from 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 explanation
Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Subject : Ongoing Dispute with Equifax Inaccurate Credit Reporting on Charged-Off Account that has been closed, paid in full and paid as agreed.

To Whom It May Concern, I am writing to formally dispute inaccurate information being reported by Equifax ( XXXX XXXX ) regarding a charged-off account thats has been closed and paid in full listed on my credit report. Despite initiating a dispute on XX/XX/XXXX, the issue remains unresolved, and the information continues to negatively impact my credit profile. 
Account Details : Creditor Name : XXXX XXXX Account Number ( partial ) : XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Charge-Off Amount : {$1100.00} Credit Limit : {$920.00} XXXX Credit : {$1100.00} Balance : {$0.00} Date of Last Payment : XX/XX/XXXX Status : Charge Off when this account has been closed and paid in full Disputed Issues : 1. Inconsistent Reporting of Account Status and Activity : o The account is marked as Charge Off yet shows ongoing payments through XX/XX/XXXX. 
o The balance is reported as {$0.00}, and the past due amount is also {$0.00}, which contradicts the charge-off status and has been paid in full and paid as agreed.

2. Date Closed vs. Payment History : o The account is listed as closed in XX/XX/XXXX, yet payment activity is reported for several years afterward.

3. Credit Limit vs. High Credit : o The high credit exceeds the stated credit limit, which may indicate inaccurate reporting or over-limit usage not properly documented.

4. Missing or Incomplete Fields : o Several fields such as Date of Last Activity, and Activity Designator are blank or incomplete, which may affect how the account is interpreted by lenders. 
5. Narrative Codes : o The use of codes XXXX ( XXXX ) and XXXX ( Variable/Adjustable Rate ) may not accurately reflect the nature of the account when the account has been paid in full and pays as agreed.

Resolution Requested : I respectfully request that the CFPB investigate this matter and ensure Equifax provides accurate and complete information. Specifically, I ask that : The account status be corrected to reflect its true nature ( e.g., Paid in full and paid as agreed ) Any inaccurate payment history or dates be updated. 
The account be reviewed for compliance with the Fair Credit Reporting Act ( FCRA ). 
I have attached supporting documentation including screenshots of the credit report, payment records, and prior correspondence with Equifax. 
Thank you for your attention to this matter. I appreciate your assistance in ensuring fair and accurate credit reporting. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
The website to pay off your balance for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Card Accounts are issued by Comenity Capital Bank ) credit card never works and doesnt have a streamlined login process, even when following a login link through email. Anytime I access the site my password is marked wrong even though I keep track of my login each time I have to change it because of the login issues. This makes it easy to miss payments, which they are banking on. Ive had this problem for over a year with this credit card and its online portal. If the login doesnt work, you can easypay as a guest but exposing your SS number each time which doesnt feel safe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 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: AZ

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
I received a notice from the credit bureau XXXX  that my credit score decreased from high XXXX ( I am always high XXXX or low XXXX ) due to an account in collections. I contacted the debt collection agency Sunrise Credit Service ( website : www.sunrisecreditservices.com ; phone number : XXXX ). I verified my personal information and said it was an XXXX XXXX XXXX collections from Texas. I said I never lived in Texas and requested proof of my debt and proof that it was me. They said they would email me the documentation. I've never lived in Texas and that debt does not belong to me. They also never even contacted me prior to reporting the collection to the XXXX. I believe this is a violation of The 30-Day Validation Notice Rule. If they had done so they would have known that it was not my debt and would not have reported it to the credit bureaus.

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 2025-08-11 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: TN

Complaint narrative:
I am formally disputing and demanding reinvestigation and deletion of the inaccurate and/or unauthorized information appearing on my Equifax file XXXX pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
Disputed Items ( remove if unverifiable ) : - XXXX XXXX XXXX - Hard Inquiry dated XX/XX/year> - Unauthorized inquiry. No permissible purpose exists under 15 USC 1681b.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX acct ending XXXX XXXXXXXX - Balance approx {$140.00} ; status 'Unpaid'.- XXXX XXXX XXXX - multiple entries ( accts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balances approx $ XXXX {$500.00} ; inconsistent XXXX  and reporting.- XXXX, XXXX ( Closed/Transferred ), acct ending XXXX  XXXX - Conflicting charge-off and transfer codes.- Any inaccurate late-payment notations on open-end credit accounts. 
My Rights and Your Obligations : - Under 15 USC 1681i ( a ), you must conduct a reasonable reinvestigation, delete or correct any item that can not be verified, and report the results to me within 30 days. Provide the Method of Verification for any item you continue to report.- If any item involves identity theft or unauthorized activity, block it from my file pursuant to 15 USC 1681c-2.- Notify furnishers of my dispute and require their 1681s-2 ( b ) investigation. If they can not substantiate with original-source records, the item must be deleted.- Reporting must comply with Metro 2 standards, using the correct Condition Code ( XB ) while under dispute. - For third-party collectors, continued reporting without proper validation violates FDCPA, 15 USC 1692g ( b ).

What I Request : 1 ) Delete the unauthorized XXXX XXXX XXXX inquiry. 
XXXX ) Delete any unverifiable collection/debt-buyer tradeline. 
XXXX ) Correct or remove inaccurate late-payment notations. 
XXXX ) Send me an updated credit report with all changes and the written Method of Verification for any item retained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX 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

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 2025-08-11 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: FL

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-11 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

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 2025-08-11 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: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-11 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems added a debt collection to my credit report on XX/XX/year>. I didn't receive notice of right to dispute. And they didnt validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AL

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