vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> 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 2025-10-27 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: FL

Complaint narrative:
I am disputing multiple inaccurate and unverified entries appearing on my Experian report dated XX/XX/year>. The following accounts contain errors in balance, status, or payment history : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ) XXXX / XXXX XXXX XXXX XXXX XXXX entry violates FCRA 607 ( b ) and 611 ( a ) by displaying inconsistent or duplicate data across bureaus. These inaccuracies also breach Metro-2 reporting requirements for complete and uniform data. 
The following inquiries were performed without my authorization and must be removed under 604 ( a ) ( 3 ) : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These constitute unauthorized access of my private data, a potential GLBA 501 ( b ) violation.

Provide documentation verifying each entry and the permissible purpose for each inquiry within 30 days. If verification can not be produced, delete these items under 611 ( a ) ( 5 ) ( A ).

Non-compliance will be escalated to the CFPB, FTC, and the Florida Attorney General under 616617.

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 2025-10-27 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-27 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 filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - EQ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by reporting an unverified late payment mark on my credit reports associated with XXXXXXXX XXXX  ( Account No. XXXX ). The credit bureaus failed to ensure the accuracy of this information and ignored my disputes, despite the furnishers ( XXXXXXXX XXXX  ) lack of evidence to validate the delinquency. Summary of Violations Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : The credit bureaus did not conduct a proper investigation after I disputed the late payment mark. XXXX XXXX has not provided proof of : Notification of the first delinquency, as required by the FCRA. Verification of the late payment, including copies of billing statements or proof of delivery of notices. Reporting Inaccurate and Unverifiable Information ( 15 U.S.C. 1681e ( b ) ) : The late payment remark lacks substantiation. US Bank can not demonstrate compliance with 15 U.S.C. 1666b, which mandates that creditors must mail periodic statements 21 days before the payment due date to treat a payment as late. Failure to Notify of Negative Information ( 15 U.S.C. 1681s-2 ( 7 ) ) : XXXX XXXX never provided written notice before reporting the late payment to credit bureaus, violating my right to dispute the information beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by reporting an unverified late payment mark on my credit reports associated with XXXXXXXX XXXX  ( Account No. XXXX ). The credit bureaus failed to ensure the accuracy of this information and ignored my disputes, despite the furnishers ( XXXXXXXX XXXX  ) lack of evidence to validate the delinquency. Summary of Violations Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : The credit bureaus did not conduct a proper investigation after I disputed the late payment mark. XXXX XXXX has not provided proof of : Notification of the first delinquency, as required by the FCRA. Verification of the late payment, including copies of billing statements or proof of delivery of notices. Reporting Inaccurate and Unverifiable Information ( 15 U.S.C. 1681e ( b ) ) : The late payment remark lacks substantiation. US Bank can not demonstrate compliance with 15 U.S.C. 1666b, which mandates that creditors must mail periodic statements 21 days before the payment due date to treat a payment as late. Failure to Notify of Negative Information ( 15 U.S.C. 1681s-2 ( 7 ) ) : XXXX XXXX never provided written notice before reporting the late payment to credit bureaus, violating my right to dispute the information beforehand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: VT

Complaint narrative:
Square mobile checking refuses to process legitimate checks, citing incompatibility with their system, despite them processing the same type of checks from the same employer beforehand. When asked several times, I received a runaround, being asked to re-upload, find different lighting, and even to request another check from the employer. Finally after 4 months of trying their requests, they simply said the check was not compatible, which is false. The amount was for {$10000.00}, and I can only surmise they don't want to deposit it. They claim their limit is {$10000.00} for mobile checking, and I was within that limit. I need to pay off a loan with them, but am unable to as they won't process my mobile deposits. Meanwhile, loan interest accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NV

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency did not provide this information within the XXXX period required by law. This lack of response constitutes a clear and direct violation of my rights under the 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 2025-10-27 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 respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Beginning in early XXXX, I discovered several unauthorized accounts and hard inquiries that appeared across all three credit bureaus XXXX XXXX XXXX  Equifax. 
These accounts were never opened or authorized by me, and they appear to be the result of identity theft and data exposure from the Equifax data breach that compromised my personal information. 
Despite providing valid proof of identity ( drivers license, Social Security card, and bank statement ) and filing official dispute letters under FCRA 605B, the credit bureaus have failed to block or delete these fraudulent accounts within the required four-day period. 
The fraudulent items include multiple auto loans, charge-offs, and credit card accounts that do not belong to me, along with several unauthorized hard inquiries. These inaccurate reports have caused damage to my credit profile and have interfered with my ability to obtain financing and credit approvals. 
I have repeatedly contacted the bureaus, provided supporting documentation, and referenced my rights under the Fair Credit Reporting Act ( FCRA ). However, the bureaus have not fulfilled their legal obligation to investigate and remove fraudulent or inaccurate information. 
Given the prior Equifax data breach and ongoing consumer harm, I believe my personal data was compromised through no fault of my own, resulting in continued fraudulent activity being reported under my credit profile. I am requesting the CFPBs assistance to ensure that all bureaus comply with the FCRA, block and delete the fraudulent accounts and inquiries, and confirm these corrections in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency did not provide this information within the 15-day period required by law. This lack of response constitutes a clear and direct violation of my rights under the 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 non-monetary relief
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/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 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I was the victim of fraud involving a XXXX payment. On XX/XX/XXXX, I sent a {$400.00} XXXX transfer to XXXX XXXX at the direction of XXXX XXXX for the purchase of a XXXX XXXX XXXXy. After payment, the seller refused to deliver the puppy and has given multiple false excuses and delays. I was manipulated into paying based on lies and misrepresentation. 

This transaction was not friends or family it was a commercial sale for goods that were never delivered. The bank is incorrectly claiming that because the XXXX payment was authorized, XXXX  XXXX protections do not apply. However, fraud nullifies consent, and federal law requires that I receive provisional credit while the case is investigated. 

Timeline of events : XX/XX/XXXX Paid {$400.00} via XXXX for purchase of XXXX XXXX confirmed payment and promised pickup date Seller repeatedly delayed and changed story Seller ultimately admitted she sold the puppy to someone else No refund or delivery provided Financial institution response : The bank told me the investigation could take up to 90 days and they will not provide provisional credit, stating it is an authorized XXXX transaction. They are misapplying XXXX XXXX and failing to follow required fraud investigation procedures for unauthorized or fraudulent digital transfers. 

Legal documentation : XXXXXXXX XXXX XXXXt report : XXXXXXXX XXXX XXXX cybercrime complaint : XXXX Evidence attached includes : XXXX payment receipt Screenshots proving misrepresentation and non-delivery Contact information of the fraudsters All written correspondence Requested resolution : Immediate provisional credit of {$400.00} during investigation XXXX compliance with XXXX XXXX for fraud-related digital payment disputes Full investigation of the transaction and reimbursement if the seller fails to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Management Incorporated
State: FL

Complaint narrative:
XXXX XXXX calls me XXXX to XXXX times a day asking for me to give them a call back from different random numbers when I called the numbers back they are disconnected or not in service. There is no way to contact this collector and they harassed me daily XXXX to XXXX times a day.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts appearing on my credit report. I did not open, authorize, or approve these accounts, and I was never notified about their addition. The information being reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy of reported information.

This situation also breaches 15 U.S.C. 1681i, which states that any disputed information must be investigated and either corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which gives consumers the right to receive a complete and accurate disclosure of their credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 
The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief