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

Complaint narrative:
The account being reported is not mine and contains inaccurate information.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy XXXX XXXX of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerelyXXXX 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 2025-11-08 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: NY

Complaint narrative:
Hello Equifax! 

I am reaching out in regards to my credit profile. There has been a misunderstanding, some of my personal information is incorrect. I noticed that there are addresses that I do not live at. That being said, I do feel that Equifax has put my personal information at risk and can be compromised. I have attached to this letter my ID, and proof of my current address so that we both are on the same page moving forward. I also will be including other personal information that should not be on my report. 

INCORRECT ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Once the incorrect information is deleted off my report, send me the results WITH a UPDATED credit report. I will be keeping track of all our correspondences. 


XXXX XXXX XXXX

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

Complaint narrative:
I recently pulled my credit report and noticed several negative, charge offs and incorrect charges that are reporting inaccurately and without my knowledge.Please help me get these accounts removed immediately. I am a victim of identity theft, and the following accounts have been reported without my knowledge, authorization, or consent. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], you are legally required to block and remove all information that results from identity theft within four ( 4 ) business days after receiving : ACCOUNT : XXXX XXXX XXXX XXXX XXXX Charged off XXXX XXXX XXXX XXXX Fraudulent school closed from investigation 5 Student loans incorrectly information and dates 1 ) {$4000.00} 2 ) {$1500.00} 3 ) {$580.00} 4 ) {$2300.00} 5 ) {$110.00}

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 2025-11-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently pulled my credit report and noticed several negative, charge offs and incorrect charges that are reporting inaccurately and without my knowledge.Please help me get these accounts removed immediately. I am a victim of identity theft, and the following accounts have been reported without my knowledge, authorization, or consent. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], you are legally required to block and remove all information that results from identity theft within four ( 4 ) business days after receiving : ACCOUNT : XXXX XXXX XXXX XXXX XXXX Charged off XXXX XXXX XXXX XXXX Fraudulent school closed from investigation 5 Student loans incorrectly information and dates 1 ) {$4000.00} 2 ) {$1500.00} 3 ) {$580.00} 4 ) {$2300.00} 5 ) {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
Ive been unable to access my funds for the past XXXX days, which has made things extremely difficult. After finally regaining access to my Cash App account, I decided to open a traditional bank account and transfer my money over. However, immediately after initiating the transfer, my account was locked for XXXX hours. I urgently need this issue resolved, as I rely on these funds for daily living expenses and bills. 

Cash Apps customer service has been unhelpfu communication is slow, responses are limited to scripted excuses, and emails go unanswered. I had to escalate the matter and threaten legal action just to regain access to my account earlier today, only for it to be locked again shortly after. This situation is unacceptable, and I need my account unblocked immediately, or I will be forced to take this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a formal complaint against Equifax and TransUnion for willful non-compliance and illegal reinsertion of a fraudulent account after it was already verified as inaccurate and removed by another credit bureau. 

The XXXX XXXX XXXX account # XXXX was rightfully DELETED from my XXXX credit file as of XX/XX/year>, after I proved it did not belong to me. However, Equifax and TransUnion continue to illegally report this same account that has already been established as fraudulent. 

This constitutes a clear pattern of willful non-compliance under FCRA 1681n and illegal reinsertion under FCRA 1681i ( a ) ( 5 ) ( B ). The fact that one major bureau has confirmed the inaccuracy while others refuse to correct it demonstrates reckless disregard for accuracy.

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 2025-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
my identity was stolen i filed disputes oin this matter called the company also let them know it was indenity theft.

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 2025-11-07 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: WA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: 700 Credit Experts
State: NV

Complaint narrative:
Complaint Against XXXX  Credit Experts XXXX XXXX and Failure to Honor Money-Back Guarantee I was contacted by 700 Credit Experts in XXXX XXXX XXXX Utah, XXXX repairing my credit. They told me that if I paid {$120.00} per month for XXXX months, they could increase my XXXX XXXX by XXXX points. They also stated that if my score did not increase by that amount, they would refund my money as part of their guarantee. 

Before signing up, I informed them that I was being added as an authorized user on several credit cards, which would naturally improve my credit score. They acknowledged that and assured me that, in addition to the authorized user accounts, their services would further raise my score by XXXX points. 

After XXXX months, my XXXX XXXX increased by approximately XXXX points in total, but the majority of that increase ( around XXXX points ) clearly came from the authorized user accounts not from their work. The credit bureau that did not report the authorized user cards showed only a XXXX increase, which matches the limited improvement from their services. 

I reached out multiple times about issues during the process and never heard back. When I finally contacted them regarding the results, they admitted that the increase came from the authorized user cards but still claimed credit for those results and refused to provide a refund, despite their stated guarantee. 

They later tried to claim that they had emailed me monthly progress reports, but that is not true I have only XXXX report, which was sent while I was on the phone with them requesting a refund. I will attach proof of my communications and the lack of prior updates. 

This company is misleading consumers by : Making false promises of guaranteed score increases Advertising a refund policy they do not honor Failing to communicate or follow up with paying clients Taking credit for improvements they did not cause I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate 700 Credit Experts for deceptive business practices and for failing to uphold their advertised money-back guarantee.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments on my credit report by TransUnion. Several accounts are showing late payments that are completely false, I made these payments on time. Despite this being clearly incorrect, these late marks are still present on my report, unfairly damaging my credit score and reputation.

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 2025-11-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
XXXX XXXX XXXX card services has stolen over {$2000.00} from my child support card and will not participate to get my money refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint against NATLCRSYS for reporting an inaccurate and unverified collection account on my credit report. The account, NATLCRSYSXX/XX/XXXXXXXXXX/XX/XXXX, is being reported with a high balance of {$6100.00} and a date opened of XX/XX/year>. I have no knowledge or record of this alleged debt, and I have never received any validation notice, contract, or supporting documentation from this company to prove the accuracy or ownership of the debt as required by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). Despite failing to provide verification, NATLCRSYS continues to report this account to the credit bureaus, which constitutes a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) for furnishing information that is inaccurate or can not be verified. This false reporting has negatively affected my credit score and caused reputational and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: IL

Complaint narrative:
When I choose the option to reset my passcode it gives to number to send my secret passcode to that I am NOT familiar with. CAN you say DANGEROUS? This has been happening for XXXX years and the representatives just hang up or pass me around. Company is Discover

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I am filing a complaint against CIG Financial for inaccurate and unfair credit reporting regarding a closed and paid auto loan ( Account XXXX : XXXX ). 
My vehicle was declared a total loss in XX/XX/year>. My insurance company and I made repeated attempts to contact the lender to pay off the remaining loan balance. Calls and messages went unanswered or unresolved for several months, despite active efforts by myself and my insurer to resolve the account. 
Because of this failure in communication, the lender reported XXXX late payments XX/XX/year> through XX/XX/year> even though payment was delayed due to the lender being unreachable to accept payment. The account has since been paid in full and closed. 
I requested removal of the late marks through both the lender and the credit bureau, but I was incorrectly told they can not remove late payments because the account is closed. This statement is misleading lenders are able to correct or remove reporting at any time under the Fair Credit Reporting Act. 
These entries are severely impacting my ability to obtain student loans necessary for my education and career, despite the issue resulting from the lenders failure to communicate during a total-loss insurance settlement. 
I am requesting : Removal of the inaccurate late payments off of my credit report Correction of the account status to reflect positive resolution I am happy to provide proof of my and my insurers attempts to contact the lender. I ask the CFPB to assist in resolving this matter so I may continue my education without unfair barriers.

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

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This letter is a formal follow-up regarding previously disputed inaccurate and unverifiable accounts that remain on my Experian and Transunion credit reports. 

After XXXX completed investigation, both of the following accounts were deleted from my credit file, confirming that they are inaccurate and unverified. Despite this, both bureaus continues to report them, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Account No. : 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 2025-11-08 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-08 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 complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : JPMorgan Chase Bank , N.A . Verified Wrong Account in Prior CFPB Case # XXXX This complaint is being filed as a follow-up to my previous CFPB case XXXX XXXX.JPMorgan Chase Bank, N.A. submitted a response on XX/XX/XXXX, in which they attached payment records for an account ending in XXXX. 

That account is not the account I disputed. The account under dispute is the JPMCB Auto tradeline currently reporting on my XXXX credit file, which shows a {$32000.00} charge-off / profit and loss write-off last updated XX/XX/XXXX ( opened XX/XX/XXXX, XXXX term ). 

Chases uploaded documentation refers to an older loan that was repossessed and charged off in XXXX during the moratorium -Covid, and no longer appears on my report. By referencing a completely different vehicle loan, Chase failed to conduct a reasonable investigation into the disputed information as required by 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

This constitutes a false verification and non-compliance with CFPB XXXX XXXX XXXX, which mandates that furnishers must review all relevant information and investigate the correct account. 

I am requesting that the CFPB reopen this matter as a mis-verification case, direct JPMorgan Chase Bank , N.A . to conduct a proper reinvestigation of the correct account, and order the deletion of the inaccurate tradeline from my TransUnion credit report. 

Supporting evidence attached : Screenshot of the Chase response referencing account # XXXX Payment history pages confirming that accounts closure in XXXX XXXX  credit-report screenshot showing the disputed tradeline ( {$32000.00}, updated XX/XX/XXXX ) This filing is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and CFPB authority over furnisher compliance.

Company response to consumer: Closed with explanation