vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Im writing regarding an account currently listed on my credit report. I need immediate confirmation in writing that every single piece of information attached to this account can be fully certified as mine.

Let me be absolutely clear : Im not just asking whether this account exists in your records. Im demanding that you verify and certify that every detail tied to this account including the name, Social Security number, address, date of birth, phone number, employment information, and any associated activity is 100 % accurate and specifically linked to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
I live in XXXX XXXX and was defrauded by a XXXX individual named XXXX XXXX XXXX who claimed he would ship goods ( electronics and gadgets ) to me in exchange for a payment. I sent him a total of {$5000.00} USD to his Fifth Third Bank account, but after he received the funds, he stopped replying and never sent the items. 

I have detailed proof including : A copy of the drivers license he sent me ( showing his name and Georgia address ) Screenshots of the conversation where he confirmed receipt and promised to ship Receipts of the bank transfer Images of the goods I was promised I attempted to report this directly to Fifth Third Bank, but I have not received a response. I am requesting the CFPB to contact the bank and require them to investigate this account and reverse the funds or assist with recovering my money. 

I am attaching documents with all the above evidence if needed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX. 
[ Subject : Cease and Desist Request under 15 U.S.C. 1692 ( c ) and Removal of Unverified Collection from Credit Report To Whom It May Concern, I am writing to formally notify you, XXXX XXXX XXXX, to cease and desist all forms of communication with me in regard to an alleged debt of {$300.00}, which you are currently reporting on my credit file. This request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ).

This statute provides that once a written request is made by the consumer asking the debt collector to cease communication, you are required by law to stop all further contact, except for limited purposes outlined by the statute ( such as advising of legal remedies you may pursue ). 

Additionally, I formally dispute this debt and request that you provide complete and legally sufficient validation of the debt. Until and unless you can fully verify this account with original documentationincluding the original creditors name, itemization of the amount claimed, and proof of my responsibility for the debtyou are required to immediately remove this collection from my credit report under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you are unable to validate this debt, or if you fail to comply with this cease and desist notice, I will pursue all legal remedies available to me, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing a report with the Federal Trade Commission ( FTC ) Initiating legal proceedings for violations of the FDCPA and FCRA Therefore, I request the following actions : 1. Cease all further communication with me immediately 2. Delete the {$300.00} collection entry from all credit reporting agencies ( Equifax, Experian, and TransUnion ) 3. Provide written confirmation that this account has been removed and closed 4. Refrain from selling or transferring this account to any other third-party collector This letter is being sent via certified mail with return receipt requested to ensure proof of delivery. I expect your written response within 30 days of receiving this notice. 

Thank you for your attention and immediate compliance. 

Sincerely, 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 2025-06-20 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: CA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 2025-06-20 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: CA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NH

Complaint narrative:
Cash App is claiming they never received my refund of {$270.00}. I contacted the merchant and they issued the refund on XX/XX/XXXX and it was received. When I called cash app they told me to dispute it. When I disputed it on grounds that I never received the service and I was supposed to get a refund, they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LA

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 non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
Auto-payment failed multiple times and the companies end. This is a credit card that is suppose to pull payments daily. They failed to notify me of the deliquent payment. Now they are inaccuratly reporting the late payment which is negatively effecting my credit score and ability to purchase life needing essentials

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Auto-payment failed multiple times and the companies end. This is a credit card that is suppose to pull payments daily. They failed to notify me of the deliquent payment. Now they are inaccuratly reporting the late payment which is negatively effecting my credit score and ability to purchase life needing essentials

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 2025-06-20 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: GA

Complaint narrative:
I am writing this formal pre-litigation settlement demand letter concerning the continued, inaccurate, and unlawful reporting of a dismissed XXXX  XXXX bankruptcy on my Equifax credit file under the above reference number. Despite multiple disputes, including the most recent one which was incorrectly " verified, '' Equifax continues to report this public record in violation of the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15 1681c. 

Background & Facts : - The XX/XX/XXXXXXXX Bankruptcy in question was dismissed, not discharged. 
- Date Opened : XX/XX/XXXX - Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Georgia XXXX XXXX XXXX ) - As of XX/XX/XXXX, I confirmed via XXXX XXXX XXXX ( consultation with XXXX at XXXXXXXX XXXX  ) that no bankruptcies are currently reported on my consumer file with XXXX, who Equifax lists as a source for public record verification. 
- Your own website directs disputes related to bankruptcy public records to XXXX, yet they have verified that no such record exists. 
- This contradicts your claim of verification and constitutes willful misreporting.

Legal Basis & FCRA Violations : According to 15 U.S. Code 1681c ( a ) ( 1 ) : No consumer reporting agency may make any consumer report containing any ... [ bankruptcy case ] that, from the date of entry of the order for relief or the date of adjudication, antedate the report by more than 10 years.

A dismissed bankruptcy has no order for relief and no adjudication. It is legally treated as if it never existed. Thus, the reporting of a dismissed bankruptcy constitutes : - Inaccurate reporting under FCRA 1681i ( a ) - Failure to reinvestigate in good faith - Willful noncompliance under 1681n - Negligent noncompliance under 1681o Related Precedent & Public Complaints : Numerous complaints with the CFPB and XXXX  have been filed against Equifax and other CRAs for : - Improper reinsertion of dismissed bankruptcies - False verification with XXXX when the record no longer exists - Misleading consumers about data sources Examples include : - CFPB Complaint ID # XXXX ( Improper bankruptcy verification ) - XXXX Complaint Case # XXXX ( Dismissed XXXX  XXXX not removed despite multiple disputes ) These demonstrate a pattern of FCRA violations XXXX strengthening my legal standing. 

Harm Caused : This unlawful reporting has : - Caused repeated credit denials- Resulted in emotional distress, XXXX XXXX XXXX XXXX Hindered my ability to secure stable housing and financial opportunities since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I am writing to dispute inaccurate and inconsistent information appearing on my credit reports from all three major credit reporting agencies ( XXXX XXXX, and Equifax ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following account ( s ) are being disputed : Creditor Name : XXXX XXXX Account Number : XXXX Dispute Reason : This account is not only inaccurate or unverifiable, but is also being reported differently across the XXXX bureaus, which further undermines the validity and accuracy. 

According to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

Under FCRA 611 [ 15 U.S.C. 1681i ], when a consumer disputes information, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information can be verified. If it can not be verified or is found to be inaccurate, it must be promptly deleted from the consumers file, typically within 30 days. 

Given the inaccurate and inconsistent reporting across the bureausand the lack of verifiable documentation provided to support the validity of these accountsI am formally requesting that these accounts be immediately removed from my credit reports as required by law. 

I have enclosed documentation to support my dispute. Please complete the reinvestigation and provide written confirmation that the disputed accounts have been deleted. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am bringing this matter to your attention to seek the urgent removal and blocking of several unauthorized accounts from my credit report. I did not initiate, authorize, or recognize these accounts, and I have no information on how they were added. Pursuant to USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for your review. I also want to highlight that the information related to these accounts differs across the credit bureaus and is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I'm reaching out regarding an account currently appearing on my credit report that is completely unfamiliar to me. I have no knowledge of this account, Ive never opened it, and I have never authorized anyone else to open it on my behalf. In short : this account does not belong to meand it absolutely should not be on my credit file. 

After carefully reviewing my report, its clear that this is a case of mixed file datawhere someone elses account has been incorrectly linked to my personal information. Whether this error occurred due to a similar name, a social security number mix-up, or some other database mistake, it needs to be corrected immediately. I am not liable for debts or accounts that were never mine to begin with, and I should not be forced to deal with the consequences of reporting errors that violate the standards of accuracy under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC is reporting a collection account with a balance of {$53000.00} that appears to derive from a charged-off debt originally associated with XXXX XXXX XXXX  XXXX Based on the reporting history across all three credit bureaus ( see Exhibit C ), the original account was charged off no later than XXXX and remained dormant until LVNV began reporting it as a new, open collection account in XXXX. 

This reporting lacks prior charge-off notations and gives the misleading impression of a newly delinquent debt. Monthly updates by LVNV, marked as current as of XXXX, appear to simulate recent delinquency a tactic often referred to as constructive re-aging. This type of furnishing behavior is a known credit reporting abuse flagged in past CFPB enforcement actions and creates immediate harm, especially when the debt appears time-barred under New Yorks three-year statute of limitations for written contracts. 

No payments, acknowledgments, or consumer activity have occurred since XXXX. Despite that, LVNVs XXXX entry makes the account appear recent and collectible, which is deceptive and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Upon examination of my credit report, I discovered accounts that are clearly not mine. I never authorized or initiated these accounts, and they were opened without my knowledge. These fraudulent entries should be removed at once. In compliance with 15 U.S. Code 1681g, I ask that they be deleted within 15 days. I have included supporting materials for 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 2025-06-20 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 non-monetary relief