vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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 am submitting this complaint because Experian, Equifax, and TransUnion are all reporting inaccurate account information for my XXXX  and XXXX  accounts, and despite my formal disputes and attempts to correct the errors, each bureau has continued to maintain reporting that does not reflect the true history of how these accounts were handled. Experian is currently reporting my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, last activity XX/XX/XXXX ) with late payment entries showing 60-day lates in XX/XX/XXXX and XX/XX/XXXX, along with 90-day lates for XXXX, XXXX, XXXX, and XX/XX/XXXX, which is inaccurate and misrepresents the manner in which I fulfilled my agreement with the creditor. Equifax is reporting a different set of late entries for the same XXXX  account ( opened XX/XX/XXXX, last activity XX/XX/XXXX ), showing 30-day lates in XXXX and XX/XX/XXXX and XX/XX/XXXX, along with a 60-day late for XX/XX/XXXX again inconsistent with the true payment history and not reflective of payments made as agreed. TransUnion is also reporting inconsistent and inaccurate delinquencies for the same XXXX  account ( opened XX/XX/XXXX, last activity XX/XX/XXXX ), showing a 30-day late in XX/XX/XXXX, XXXX lates in XX/XX/XXXX and XX/XX/XXXX, and 90-day lates for XXXX through XX/XX/XXXX. All three bureaus are displaying different late-payment patterns for the same account, which clearly indicates conflicting data and inaccurate furnishing. Additionally, for my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was opened on XX/XX/XXXX with last activity on XX/XX/XXXX for Experian, XX/XX/XXXX with last activity on XX/XX/XXXX for Equifax, and XX/XX/XXXX with last activity on XX/XX/XXXX for TransUnion, the account is closed with a XXXX balance yet is still being reported with late-payment information that does not represent the accurate closing status of the account and does not reflect that it was paid as agreed. These issues violate multiple sections of the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ), which requires the credit bureaus to conduct a reasonable reinvestigation of disputed information ; FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information ; FCRA 623 ( b ), which mandates that furnishers conduct an investigation upon receiving notice of a dispute ; and FCRA 602, which establishes Congresss requirement for maximum possible accuracy in consumer 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 2025-11-29 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified specific Metro 2 compliance violations related to this account. These include, but may not be limited to : - Failure to report the required Compliance Condition Code " XB '' while this account is under active consumer dispute.

- Inaccurate Account Status Code reporting ( e.g., reporting " 11 - Current account '' when late history exists ).

* Incorrect Date of First Delinquency ( DOFD ) affecting reporting period.

* Reporting of a balance on a charged-off account in violation of Metro 2 guidelines.

These reporting inaccuracies are in direct violation of the Metro 2 Format specifications and FCRA 623 ( a ) ( 1 ) ( A ), which reguires furnishers to provide accurate information. I am requesting an immediate reinvestigation of this account with attention to the specific Metro 2 fields and codes listed above. If the furnisher can not verify the data in full compliance with Metro 2 standards, the account must be updated or deleted as required by law.

Requested Action : - Conduct a full investigation with the data furnisher via the ACDV/E-Oscar system.

- Require the furnisher to either correct the Metro 2 coding or delete the tradeline entirely it proper verification can not be made.

- Provide me with a written response detailing the results of this investigation within 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 non-monetary relief
Consumer complaint received 2025-11-29 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: LA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-29 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$3600.00} - Date Opened : XX/XX/XXXX XXXX # XXXX Balance : {$1300.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$4700.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX XXXX  XXXX Account # : XXXX [ TransUnion, Equifax, Experian ] Issue : Duplicate reporting and unverifiable charge-off.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

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 2025-11-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-29 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau-consumerfinance.gov/complaint. I disputed every delinquency, collection, and inquiry on my Experian report-literally everything-back on XXXX first. They came back verified across the board, no explanation, no proof, no name of anyone they called. Thats not how 1681i works. I want them to either show me the real evidence or delete it all. If XXXX just auto-verifying

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 2025-11-29 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: AL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report. The previous address listed is incorrect, and this inaccuracy has been causing issues with my credit applications, which is extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
XXXX XXXX reported a business card under my personal credit as a collection account. 

The XXXX XXXX cards are under a business account and the account was enrolled in one of the programs called XXXX XXXX and a payment plan was set up back in XX/XX/year>. 
The employee said that if a payment was done before XX/XX/XXXX the account would not be reported as a late payment. 

The 1st electronic payment was processed in XX/XX/year> and the account was reported under my personal credit as a collection account when in fact should not had per the XXXX XXXX employee. A new address was reported under my Experian personal Credit Report is a business address location. I had called XXXX XXXX many times and they keep lying to me, placed me on hold for more than 45 minutes. 
XXXX XXXX also removed my access online, and I told them that I should be able to see the payments being posted and the credit card statements and they said no because the account is closed. I have never heard of something like this. They also removed the online access on other XXXX XXXX XXXX and I have called them more than 8 times and asking them that I need to reset my password so I can make a payment. 
I recorded a call just recently and according to the XXXX XXXX employee said to wait 24hrs and I should have access to the account. Well I try and no access yet. I went ahead and call the number to make a payment over the automated phone system and I was successful making a payment. They reported this account as a collection account as well. I had never received any letters from them saying that this other account is in collection. Obviously it seems that whatever department they have overseas is maniuplating their system so the account goes on collection and they might get paid more or get bonuses for doing it that way. 


I really don't know where else to go and get help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
In XX/XX/year>, I became aware that Credit Collection Services was reporting a collection account for {$280.00}. I reached out to the company to request information and verification of this debt. I did not receive any response or documentation from them. Since the company has not confirmed the validity of this debt, I am requesting that this {$280.00} collection entry be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-29 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies I have discovered in my credit report, which has been provided by EQUIFAX. The entries in question, particularly the accounts listed under " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  '' with a balance of {$3300.00} and {$1600.00}, both dated XX/XX/year>, are incorrectly reported under my name. These accounts do not reflect the true nature of my financial obligations, and the reporting of these inaccurate balances on my credit report has negatively impacted my credit score. Furthermore, both entries appear to violate the provisions of the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 1681i ), which requires that credit bureaus accurately investigate and correct information. The failure to correct these inaccuracies violates FCRA 607 ( b ), which mandates the credit bureaus obligation to maintain accurate information. Additionally, I believe these accounts should be reported under a Form 1099-C, as outlined in FCRA 607 ( b ), considering the balances and date of last activity, yet they have not been. I am requesting that the Consumer Financial Protection Bureau intervene and ensure that these inaccuracies are corrected promptly by EQUIFAX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
I filed complaint with cfpb. Cash app gives the same generic response of will look into issue. Will give XXXX  in XXXX  days. We'll I have heard that response for each complaint I've ever had with them. XXXX have never corrected any mistakes or returned any thefts. I say theft because when my transfer is sent to their company and not placed in my account that's steal. And when my cash tag is given away and the account and it's XXXX as well that's stealing again. My money is not theirs ever. So I am stating that XXXX response they just gave is unacceptable. It will resolve nothing. They have been given proof of all mentioned accusations. It is in their files about my accounts. I will not be submitting it to them again. They have it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
This account was paid off completely, yet it still shows late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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 submitting this follow-up complaint to demand the permanent removal of multiple inaccurate and unverifiable items that continue to appear on my credit report and cause ongoing harm. The account from XXXX, Account XXXX. XXXX, Balance : {$0.00}, continues to report conflicting information inconsistent with my records; under FCRA XXXX ( a ), any item that can not be verified must be deleted, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they can not prove accurate. The charged-off accounts XXXXXXXX XXXX XXXX, Balance : {$580.00}, XXXX, Account No. XXXXXXXX XXXX XXXX  XXXX : {$0.00} * *, and XXXX, Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} * *, remain on my file despite lacking proper documentation, including required 1099-C forms for balances over {$600.00}, violating FCRA 607 ( b ) and 605B, which mandate deletion when data can not be validated. Collection accounts XXXX, Account XXXX. XXXX, XXXX : {$220.00}, XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$700.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} * *, and XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$930.00} * * remain unverified, and furnishers have failed to provide meaningful validation as required under FDCPA XXXX and XXXX, further mandating removal under FCRA 605B. Inquiries from XXXX ( XX/XX/year> ) and XXXXXXXX XXXX XXXX XXXXXX/XX/year> ) were made without demonstrable permissible purpose, violating FCRA 604 ( a ), 604 ( f ), and 619, and must also be deleted. I request that all of these items be permanently removed from my credit report because they are inaccurate, unverified, and reported without proper authority.

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 2025-11-29 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 am submitting this complaint because Experian, Equifax, and TransUnion are all reporting inaccurate account information for my XXXX  and XXXX  accounts, and despite my formal disputes and attempts to correct the errors, each bureau has continued to maintain reporting that does not reflect the true history of how these accounts were handled. Experian is currently reporting my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, last activity XX/XX/XXXX ) with late payment entries showing 60-day lates in XX/XX/XXXX and XX/XX/XXXX, along with 90-day lates for XXXX, XXXX, XXXX, and XX/XX/XXXX, which is inaccurate and misrepresents the manner in which I fulfilled my agreement with the creditor. Equifax is reporting a different set of late entries for the same XXXX  account ( opened XX/XX/XXXX, last activity XX/XX/XXXX ), showing 30-day lates in XXXX and XX/XX/XXXX and XX/XX/XXXX, along with a 60-day late for XX/XX/XXXX again inconsistent with the true payment history and not reflective of payments made as agreed. TransUnion is also reporting inconsistent and inaccurate delinquencies for the same XXXX  account ( opened XX/XX/XXXX, last activity XX/XX/XXXX ), showing a 30-day late in XX/XX/XXXX, XXXX lates in XX/XX/XXXX and XX/XX/XXXX, and 90-day lates for XXXX through XX/XX/XXXX. All three bureaus are displaying different late-payment patterns for the same account, which clearly indicates conflicting data and inaccurate furnishing. Additionally, for my XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was opened on XX/XX/XXXX with last activity on XX/XX/XXXX for Experian, XX/XX/XXXX with last activity on XX/XX/XXXX for Equifax, and XX/XX/XXXX with last activity on XX/XX/XXXX for TransUnion, the account is closed with a XXXX balance yet is still being reported with late-payment information that does not represent the accurate closing status of the account and does not reflect that it was paid as agreed. These issues violate multiple sections of the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ), which requires the credit bureaus to conduct a reasonable reinvestigation of disputed information ; FCRA 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information ; FCRA 623 ( b ), which mandates that furnishers conduct an investigation upon receiving notice of a dispute ; and FCRA 602, which establishes Congresss requirement for maximum possible accuracy in consumer reporting.

Company response to consumer: Closed with non-monetary relief