vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
Can you audit this entry? Its late and may contain errors.

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 2025-12-08 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:
All three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting materially false, inaccurate, and impossible information regarding an account listed as XXXX XXXX. 

I disputed the account directly with the credit bureaus. Instead of correcting or deleting the account, the bureaus came back with a lazy, automated verified response, even though the information they verified is factually impossible and violates federal law. 

Major violations I am reporting : 1. The bureaus are reporting a balance of {$950.00}, even though the original/highest balance on the loan is only {$610.00}. 
A closed installment loan can not exceed its original loan amount. This is a blatant violation of FCRA 1681e ( b ) ( duty to report accurate information ). 
2. The account shows late payments occurring AFTER the account was closed on XX/XX/year>. 
Reporting new delinquencies on a closed account is fraudulent, misleading, and illegal. 
3. All three bureaus verified the account despite these clear mathematical and factual impossibilities, proving they did not conduct a reasonable reinvestigation under FCRA 1681i ( a ). 
4. I am being harmed by their refusal to correct obvious errors. This is impacting my creditworthiness and causing financial damage. 

The bureaus did NOT correct the inaccuracies. 
They did NOT request proper verification. 
They simply rubber-stamped the same false data. 

This is exactly why Congress created the CFPB because credit bureaus continue to verify information that is probably false, harming consumers.

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 2025-12-08 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:
All three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting materially false, inaccurate, and impossible information regarding an account listed as XXXX XXXX. 

I disputed the account directly with the credit bureaus. Instead of correcting or deleting the account, the bureaus came back with a lazy, automated verified response, even though the information they verified is factually impossible and violates federal law. 

Major violations I am reporting : 1. The bureaus are reporting a balance of {$950.00}, even though the original/highest balance on the loan is only {$610.00}. 
A closed installment loan can not exceed its original loan amount. This is a blatant violation of FCRA 1681e ( b ) ( duty to report accurate information ). 
2. The account shows late payments occurring AFTER the account was closed on XX/XX/year>. 
Reporting new delinquencies on a closed account is fraudulent, misleading, and illegal. 
3. All three bureaus verified the account despite these clear mathematical and factual impossibilities, proving they did not conduct a reasonable reinvestigation under FCRA 1681i ( a ). 
4. I am being harmed by their refusal to correct obvious errors. This is impacting my creditworthiness and causing financial damage. 

The bureaus did NOT correct the inaccuracies. 
They did NOT request proper verification. 
They simply rubber-stamped the same false data. 

This is exactly why Congress created the CFPB because credit bureaus continue to verify information that is probably false, harming consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
1. Immediate Release of Funds : I request the immediate release of the {$120.00} refund. I provided valid Proof of Release from the merchant ( Authorization Code XXXX ) on XX/XX/XXXX, but Cash App failed to act, holding my funds for 10 days unnecessarily. 
2. Compensation for Deceptive Advertising : I request that Cash App either honor the {$200.00} overdraft limit as advertised for " Green Status '' ( which I qualified for ) or compensate me for the lost bank interest ( 4.5 % XXXX ) I incurred by moving my funds to their platform under false pretenses. 
3. Fix Support Protocols : I request a written explanation for why their support system blocked my attempt to file a grievance by directing me to a " Law Enforcement '' portal, and confirmation that this system error has been corrected to allow future consumer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am filing a formal complaint against XXXX for reporting false derogatory payment history and failing to conduct a lawful investigation, which is causing ongoing harm to my credit profile. 

1. The account is paid in full but still reporting derogatory information The account ( XXXX  ) shows a {$0.00} balance and clearly states that I have paid off 100 % of this loan. 
Despite this, the furnisher continues to report multiple late payments and derogatory marks, including : Numerous late payments across XXXX A derogatory indicator Inconsistent reporting even after the account was closed and paid This is factually inaccurate, misleading, and violates FCRA 602 ( A ) and 607 ( B ).

2. The reporting is incomplete, erroneous, and unsupported The furnisher has never provided me with any validation, documentation, billing records, payment schedules, or proof supporting these late payments.

Under FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ), a furnisher may not report information they can not verify.

3. Failure to investigate disputes I disputed this account with the credit bureaus.

The furnisher either : Failed to properly investigate, Verified information they can not validate, or Did not provide adequate documentation to the bureaus.

This is a violation of : FCRA 611 ( a ) : Failure to conduct a reasonable investigation FCRA 623 ( b ) : Failure of the furnisher to investigate and correct inaccurate info 4. This continued reporting is intentionally damaging The account is closed, paid, and should not be showing ongoing derogatory marks. This inaccurate reporting is harming me financially by impacting : My creditworthiness My ability to obtain fair credit terms My FICO score

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 2025-12-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am a documented victim of identity theft. My personal identifying information, including my Social Security number, date of birth, and address history, was exposed in the Equifax data breach. As a result, fraudulent and unauthorized accounts, inquiries, and derogatory information appeared on my consumer credit reports. 

I provided the credit reporting agency with a valid FTC Identity Theft Report, a police report, proof of identity, proof of address, and documentation of my Equifax data breach exposure. These documents meet all requirements under the Fair Credit Reporting Act. 

I formally requested mandatory identity theft blocking under FCRA 605B, including the removal of fraudulent accounts, inquiries, late payment histories, and incorrect personal information. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and disclosure of information sources under 611 ( a ) ( 7 ). 

Despite receiving this documentation, the credit reporting agency failed to block or delete the identity-theftrelated information within the required four business days. The agency continues to report derogatory information tied to compromised personal identifiers and has failed to provide the requested method of verification or documentation supporting its reporting. 

This constitutes ongoing noncompliance with the Fair Credit Reporting Act, including violations of FCRA 605B, 611, and 607 ( b ). I am requesting CFPB assistance to ensure compliance and proper correction of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am a documented victim of identity theft. My personal identifying information, including my Social Security number, date of birth, and address history, was exposed in the Equifax data breach. As a result, fraudulent and unauthorized accounts, inquiries, and derogatory information appeared on my consumer credit reports. 

I provided the credit reporting agency with a valid FTC Identity Theft Report, a police report, proof of identity, proof of address, and documentation of my Equifax data breach exposure. These documents meet all requirements under the Fair Credit Reporting Act. 

I formally requested mandatory identity theft blocking under FCRA 605B, including the removal of fraudulent accounts, inquiries, late payment histories, and incorrect personal information. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and disclosure of information sources under 611 ( a ) ( 7 ). 

Despite receiving this documentation, the credit reporting agency failed to block or delete the identity-theftrelated information within the required four business days. The agency continues to report derogatory information tied to compromised personal identifiers and has failed to provide the requested method of verification or documentation supporting its reporting. 

This constitutes ongoing noncompliance with the Fair Credit Reporting Act, including violations of FCRA 605B, 611, and 607 ( b ). I am requesting CFPB assistance to ensure compliance and proper correction of my credit 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 2025-12-08 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: TX

Complaint narrative:
Please assess the materials ; the questions were received without advance notice and might not have clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
When using credit cards and/or debit cards, banks retain a " junk fee '' which is to be refunded to the consumer. Bank of America owes me {$2300.00} in junk fees, which are about to expire. I want this money deposited into my account ASAP. 

Bank of America knows the law and refuses to enforce it unless requested. I realize that most of the employees are unaware of this law, and BofA Executives don't want their slush fund depleted by knowledgeable consumers. ( Example : I buy {$200.00} shoes thru XXXX. I pay with my debit card. XXXX 's bank receives {$180.00} and BofA pockets {$20.00}. ) I am requesting that this money be placed into my account ASAP and that all future fees be funded.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
SECURITY CREDIT SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I accidentally sent {$850.00} of my kids XXXX money to the wrong person on Cash App on XX/XX/year> at XXXX. I have never sent this person money before. I dont know why he came up as suggestion for me to be able to select his name. I have tried to search him on XXXX and reach out to him, with no response. I have tried to request the money back from him, with no response. I have tried to dispute the transaction with Cash App and they denied my dispute. Please help me get my money back or my kids wont get XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I checked my payment history and its stating Im late 2 payments which is incorrect. Im submitting a dispute to challenging the accuracy of the information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I checked my payment history and its stating Im late 2 payments which is incorrect. Im submitting a dispute to challenging the accuracy of the information being reported

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 2025-12-08 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: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I made a purchase at a XXXX gas station in XXXX XXXX, Ca an hour XXXX later multiple purchases of {$40.00} were made at at XXXX stores in North Carolina til card was either emptied of all funds or Frozen by Money Network totaling {$1100.00} in stolen funds. I wasnt alerted of this, until I tried to use the card on a new edd claim. Money network has been reviewing many appeals and disputes for this issue since XX/XX/year>. Ive provided many declarations of proof,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
My name is XXXX XXXX To Whom It May Concern : I am writing to notify you that, effective immediately, you must cease and desist all communication with me regarding the account referenced above.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I hereby request that your office stop all contact with me, including but not limited to phone calls, letters, emails, or any other form of communication.

This request applies to me, my home, my workplace, my relatives, and any third parties. Any further contact from your agencyother than those permitted by law, such as a single notice confirming that collection efforts have been terminated or that specific legal action may be takenwill be documented and may be considered a violation of federal law.

Please provide written confirmation that you have received this notice and that all communication will stop immediately.

Thank you for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern : I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and I request the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees and interest.

3. Documentation bearing my signature showing that I am legally obligated to pay this debt.

4. Proof that your agency is licensed to collect debts in my state.

5. A full accounting of the chain of custody if the debt was sold or transferred.

Please note that until you provide the documentation requested, you must cease all collection activity, including reporting this debt to credit bureaus. Any failure to comply may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or my states Attorney General. 

I expect a response within the timeframe allowed by law.

Company response to consumer: Closed with explanation