vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a late payment currently listed on my credit report. My verified records demonstrate that all payments were made on time, making this reported entry incorrect. The continued presence of this false information is damaging to my credit standing and misleading.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: CA

Complaint narrative:
Sezzle, Inc with multiple violations and inaccuracies regarding my account. Buy Now, Pay Later '' ( XXXX ) credit and credit reporting through " Sezzle XXXX. '' The Issue : Sezzle is engaging in deceptive and unlawful credit reporting practices that have severely damaged my credit score and violate the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws. 

1. Fraudulent Utilization Inflation : Sezzle extends a line of credit ( e.g., {$150.00} ) and then, * * mid-active loan * *, unilaterally lowers the credit limit ( e.g., to {$120.00} ) without my consent. This artificially and deceptively inflates my credit utilization ratio, which is a key factor in credit scoring. For example, a {$100.00} balance on a {$150.00} limit is 73 % utilization, but on a lowered {$120.00} limit, it becomes 87 % a significant difference that tanks a credit score.

2. Failure to Investigate & Correct : I have demanded they delete these inaccurate tradelines as required by FCRA 611. They refused, falsely claiming they are " required by law '' to report the distorted data and that the only way to stop it is to close my account ( which would leave the damaging history on my report ). This is a willful violation of their duty to report accurate information.

3. Pattern of XX/XX/XXXX: This is not an isolated error. I have a perfect payment history with Sezzle, having paid off over a dozen loans early. Despite this, they have repeatedly punished me by lowering my spending power, demonstrating a systemic, bad-faith practice. 
4. Current Extortion & Imminent XX/XX/XXXX: I currently have an outstanding balance of ~ {$230.00}. Due to their previous illegal actions, I have withheld payment as a form of protest against their scheme. I am now facing the imminent threat of them reporting delinquent payments on top of the falsified utilization, which would cause catastrophic and irreversible credit damage based on their initial misconduct. 

Dates : These violations have occurred over the past 4 months, with the most critical communications happening in late XXXX XX/XX/year> XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing inaccurate late payment reporting by XXXX XXXX. My payment, due on XX/XX/year>, was incorrectly reported as XXXX days late even though I did not receive the legally required XXXX advance notice. I contacted the creditor and filed disputes with the credit bureaus, but the account is still showing late instead of current. 

PLEASE SEE ATTACHMENTS BELOW

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 2025-08-29 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: NV

Complaint narrative:
I am disputing inaccurate late payment reporting by XXXX XXXX. My payment, due on XX/XX/year>, was incorrectly reported as XXXX days late even though I did not receive the legally required XXXX advance notice. I contacted the creditor and filed disputes with the credit bureaus, but the account is still showing late instead of current. 

PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
hello my name is XXXX XXXX who resides at XXXX XXXX XXXX XXXX Ny XXXX and I haVe wrote This report because OF TWO unauthorized credit inquiries that has hit my credit report and hurt my score and profile. i did not give consent or provide my signature for these and i was alerted via TransUnion app. this is totally wrong please i need this removed from my credit report as soon as possible. I have tried to contact Transunion with no luck for resolution of this. They fail to connect me to manager to rectify this and investigate for removal. I need help

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 2025-08-29 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: FL

Complaint narrative:
I have no responsibility for the accounts listed. They were opened without my consent, and I request their deletion under USC 1681g within 15 days. Supporting files are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Credit Report Dispute Inaccurate Account Information Dear Credit Bureau Representative, I am writing to formally dispute multiple inaccurate entries currently listed on my credit report. After reviewing my report, I identified several accounts that are reported as open, which I believe to be inaccurate. Please investigate and update the following accounts accordingly. 

Disputed Accounts : XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open Account Type : Education Reason for Dispute : These accounts are inaccurately listed as open. I am requesting that your bureau verify each account with the original creditor and correct or update the status as needed including closing the account if it is no longer active or belongs to another party. 

As required under the Fair Credit Reporting Act ( FCRA ), please complete your investigation within 30 days and provide written confirmation of any actions taken.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
XX/XX/2025 I sent my rent money to the wrong person. And I request a refund from cash app but they just said I can request it directly from the person but that's all they'll do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX  I was a victim of scam by phone and the hacker took money from my bank and send it to overseas. After some attemps he sent 4 times : {$1800.00}, {$1800.00}, {$1500.00} and {$1900.00} After I realized it was a scam, I called to report to my bank to frozen my account telling all the situation that I had. 
In the same way I reported to : Report Fraud FTC ; Internet Crime Complain IC3 ; XXXX XXXX ; Police Department in XXXX  and the 3 bureau of credit ( XXXX, XXXX  and XXXX  ) Now ; my bank ask me to pay the credit card amount that I never use.

This is my situation and I ask you see this one and get a solution.

Thxs

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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear [ XXXXXXXX XXXX XXXXXXXX or XXXX XXXX  ], Im reaching out regarding a discrepancy I noticed on my credit report about a month ago. The report shows XXXX student loans, but I only have XXXX loan with XXXX, which has a balance of {$20000.00} and a monthly payment of {$150.00}. 
However, my credit report also lists a second loan with a balance of {$41000.00}, which does not belong to me. I disputed this with TransUnion and XXXX, but both returned the account as verified. 
On XX/XX/XXXX, I spoke with a representative from your credit department who confirmed verbally that the account in question is not mine. When I asked why it hadnt been removed, I was told it may be a system glitch. 
Given this confirmation, I respectfully request that this incorrect account be formally removed from my credit report. It appears the dispute process may not have been properly conducted, and I would appreciate your assistance in resolving this matter promptly. 
Please let me know if any additional documentation is needed from my end. 
Thank you for your attention to this issue.

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 2025-08-29 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:
Dear [ XXXXXXXX XXXX XXXXXXXX or XXXX XXXX  ], Im reaching out regarding a discrepancy I noticed on my credit report about a month ago. The report shows XXXX student loans, but I only have XXXX loan with XXXX, which has a balance of {$20000.00} and a monthly payment of {$150.00}. 
However, my credit report also lists a second loan with a balance of {$41000.00}, which does not belong to me. I disputed this with XXXX  and Equifax, but both returned the account as verified. 
On XX/XX/XXXX, I spoke with a representative from your credit department who confirmed verbally that the account in question is not mine. When I asked why it hadnt been removed, I was told it may be a system glitch. 
Given this confirmation, I respectfully request that this incorrect account be formally removed from my credit report. It appears the dispute process may not have been properly conducted, and I would appreciate your assistance in resolving this matter promptly. 
Please let me know if any additional documentation is needed from my end. 
Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
In XXXX I received an email from Aidvantage saying I had till the end of the month to contact/pay a payment to avoid being reported as 90 days late. I made my payment on the last day of the month as the email required yet they still reported by accounts past due even though payment was made on time per their email. Also multiple small ( semester loans ) are reported individually on my report however the entire student loan is combined into XXXX payment on Aidvantage so I feel it is unethical and legally not right to report XXXX student loan payment due as XXXX multiple late payments. If the loans are combined into XXXX payment then they should be reported as XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This correspondence is a formal dispute concerning a fraudulent account listed under my credit file. I did not authorize or open this account, nor do I have any connection with it. Its reporting is inaccurate and continues to harm my financial standing.

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 2025-08-29 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. SYNCB/AMAZON XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} .Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these account. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts that are not reporting to the credit bureaus ( Experian, TransUnion, and Equifax ). The accounts are : loan account # XXXX, # XXXX, and # XXXX. I also have XXXX credit cards not reporting. A cash rewards visa ending in XXXX and a go rewards ending in XXXX. All XXXX of these accounts are from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several accounts that are not reporting to the credit bureaus ( Experian, TransUnion, and Equifax ). The accounts are : loan account # XXXX, # XXXX, and # XXXX. I also have XXXX credit cards not reporting. A cash rewards visa ending in XXXX and a go rewards ending in XXXX. All XXXX of these accounts are from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation