vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I am submitting this follow-up complaint because several items on my credit report are still being reported inaccurately, and they continue to harm my credit profile. Despite my previous disputes, these errors remain, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ), 15 U.S.C. 1681i ( a ), 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), 607 ( b ), 15 U.S.C. 1681e ( b ), and 1681c-2 ( 605B ).

First, my file still lists an address that does not belong to me XXXX XXXX XXXX XXXX XXXX SC XXXX. Under FCRA 611 ( a ), this inaccurate personal information must be deleted immediately. 
I also continue to see accounts reported incorrectly as late or closed. For example, XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance XXXX XXXX XXXX is being misreported and does not reflect the true and accurate status of the account. 
Several charge-off accounts remain listed in error. XXXX, account XXXX, balance {$380.00}, and XXXX, account XXXXXXXX XXXX, balance {$0.00}, are both being reported as charge-offs even though they are not verifiable, which violates 15 U.S.C. 1681c-2 ( 605B ) and FCRA 611 ( a ). In addition, XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX, balance {$790.00}, is reported as a charge-off without any IRS Form 1099-C being issued. Because amounts over {$600.00} require a 1099-C if canceled, the absence of this form makes the reporting misleading and inaccurate in violation of FCRA 607 ( b ). 
XXXX accounts are also still being reported inaccurately. This includes XXXX, account XXXX, balance {$850.00XXXX XXXX, and XXXX XXXX, accounts XXXX ( {$210.00} ) and XXXX ( {$1400.00} ). These entries remain despite my disputes and are being reported unfairly in violation of 15 U.S.C. 1681c-2 ( 605B ). 
Finally, my reports continue to show numerous inquiries that I never authorized. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In addition, more recent inquiries include 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Since I did not provide permissible authorization, these inquiries violate FCRA 619, 15 U.S.C. 1681q and FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), and they must be deleted from my 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 2025-09-24 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: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service
State: MS

Complaint narrative:
I paid this account off it went into collections and they pulled it out of my drill checks automatically. It shows a zero balance but is still impacting my credit in a negative way. Ive called and asked them to take it off they said they do this was 3 months ago at least. Did a dispute they couldnt seem to figure out what Im talking about so maybe someone can help here. Im trying to build my credit and this is a silly thing to have to fight so hard to get off Ive paid it off closed the account and it still is showing up.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
cash app. twice now they have flagged my account for transactions that violate their terms even with appeals and attempts to reactivate my account they deny it and do not show why they believe i have violated the terms? 
twice now and i was only getting help with building a model car and sending money to my kids because i don't live with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX Balanced {$110000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$62000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I am submitting this complaint to the CFPB regarding inaccurate information on my TransUnion credit report, specifically several late-closed accounts. I request a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) for accuracy and 1681i ( a ) for proper reinvestigation. The first account, XXXX XXXX, is incorrectly reported 60 days late despite all payments being made on time. The second, XXXX XXXX XXXX, shows late payments in XX/XX/XXXX and XX/XX/XXXX even though the account was closed with a {$0.00} balance in XXXX. The third, XXXX XXXX XXXX, shows multiple late entries inconsistent with my mortgage records, all of which I paid on time. These inaccuracies violate 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( A ) and misrepresent my financial responsibility. I request that TransUnion reinvestigate and update my credit report to show : XXXX  closed, balance {$540.00}, all payments on time ; XXXX XXXX closed, balance {$0.00}, all payments on time ; XXXX XXXX closed, balance {$0.00}, all payments on time. I also request written confirmation and an updated report within 30 days, as required by FCRA 1681i ( a ) ( 1 ).

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 2025-09-24 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: GA

Complaint narrative:
I am submitting to formally dispute inaccurate information currently being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i, I am exercising my right to request an investigation into the following accounts, which are being incorrectly reported and are negatively affecting my credit profile. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} As required under FCRA 1681i ( a ) ( 1 ), the 3 Credit Bureaus must conduct a timely and complete investigation of these accounts. If the data furnishers are unable to verify the accuracy of the information, these negative marks must be promptly corrected from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive noticed late payment entries on my credit report that I believe are inaccurate. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be reported. I am requesting that these entries be validated, and if they can not be verified, they should be corrected or removed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only contain information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, I ask that they be corrected or removed.

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 2025-09-24 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: IL

Complaint narrative:
I am submitting this complaint to the CFPB regarding inaccurate information on my TransUnion credit report, specifically several late-closed accounts. I request a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) for accuracy and 1681i ( a ) for proper reinvestigation. The first account, XXXX XXXX, is incorrectly reported 60 days late despite all payments being made on time. The second, XXXX XXXX XXXX, shows late payments in XX/XX/XXXX and XX/XX/XXXX even though the account was closed with a {$0.00} balance in XXXX. The third, XXXX XXXX XXXX, shows multiple late entries inconsistent with my mortgage records, all of which I paid on time. These inaccuracies violate 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( A ) and misrepresent my financial responsibility. I request that TransUnion reinvestigate and update my credit report to show : XXXX  closed, balance {$540.00}, all payments on time ; XXXX XXXX closed, balance {$0.00}, all payments on time ; XXXX XXXX closed, balance {$0.00}, all payments on time. I also request written confirmation and an updated report within 30 days, as required by FCRA 1681i ( a ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I am submitting this complaint to the CFPB regarding inaccurate information on my TransUnion credit report, specifically several late-closed accounts. I request a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) for accuracy and 1681i ( a ) for proper reinvestigation. The first account, XXXX XXXX, is incorrectly reported 60 days late despite all payments being made on time. The second, XXXX XXXX XXXX, shows late payments in XX/XX/XXXX and XX/XX/XXXX even though the account was closed with a {$0.00} balance in XXXX. The third, XXXX XXXX XXXX, shows multiple late entries inconsistent with my mortgage records, all of which I paid on time. These inaccuracies violate 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( A ) and misrepresent my financial responsibility. I request that TransUnion reinvestigate and update my credit report to show : XXXX  closed, balance {$540.00}, all payments on time ; XXXX XXXX closed, balance {$0.00}, all payments on time ; XXXX XXXX closed, balance {$0.00}, all payments on time. I also request written confirmation and an updated report within 30 days, as required by FCRA 1681i ( a ) ( 1 ).

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe are inaccurate. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I request a thorough investigation of these accounts. If they can not be verified as accurate, I am requesting their removal from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: KY

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX TransUnion, Equifax XXXX Experian XXXX Review Attached Documents ) XX/XX/XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 
the person knows or has reasonable cause to believe that the information is inaccurate. 
REMOVE non mailing addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ID ATTACHED BELOW )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my card was used for XXXX XXXX and XXXX transactions. 
This same day - I was working in office all day, which I can provide an affidavit for if necessary. 
My card, as described in previous statements, is typically used for automated payments and occasionally for metered parking ( since it was attached to some servers for that purpose ). 
My card has clearly been compromised but Bank of America refuses to resolve this situation. They allege that my physical card was used. I was in office all day, however. So unless someone stole my wallet and brought it back ( very very unlikely ), then I have no other explanation but someone defrauding my account, using my personal information, taking advantage of my card being associated with these automated billing companies, or - I don't know. Im clearly not heard nor protected as a consumer.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX sent a written request for debt validation to debt collectors, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). They did not provide the required documentation proving the debt is valid, that I owe it, or that they are authorized to collect it. Despite this, they continued collection activities and/or reported the debt to the credit bureaus. This is a violation of 15 U.S.C. 1692g. Their actions have damaged my credit, caused financial harm, and created unnecessary stress. I am requesting that this debt collector be required to fully validate the debt or immediately cease collection and 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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i have been a victim of fraud on my credit cards with pen fed credit union Teletypewriter ( TTY ) for the hearing impaired Toll-Free U.S. : XXXX XXXX, XXXX : XXXX Phone XXXX or XXXX Monday - Saturday : XXXX XXXXXXXX XXXX XXXX Sunday : Closed they issued XXXX credit cards back to back due to recurrent frauds on the cards now they are making accounting errors transferring balances from one card to another resulting in error in balance due that is {$10000.00} more than what i had purchased

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 2025-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
In researching another issue with my student loan company MOHELA, I found that I have paid the following in interest on XXXX private student loans : XX/XX/XXXX - Original loan {$12000.00} -Advertised at an XXXX XXXX interest rate -Actual interest paid since is {$10000.00} ( XXXX XXXX  interest rate ) -Expected payoff XXXX with a monthly payment of {$99.00}. 

XX/XX/XXXX - Original loan {$12000.00} -Advertised at an XXXX XXXX interest rate -Actual interest paid is {$6800.00} ( 56.7 % interest rate ) -Expected payoff XXXX with a monthly payment of {$140.00}. 

I have been making payments since XXXX, with the exception of forbearances after giving birth in XX/XX/XXXX and XX/XX/XXXX. Interest accrued at this time, understandable but there is no justification for XXXX XXXX interest paid. 

I have spoken with Representatives numerous times regarding this major issue as well as several other issues with my account and I have been told that there is nothing that can be done.

Company response to consumer: Closed with explanation