vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: OK

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX XXXX XXXXXXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/year>- XX/XX/year>. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am filing this complaint because my Equifax credit report shows several charged-off accounts that I believe are either inaccurate, outdated, or unverifiable. I am requesting that Equifax perform a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) to verify these accounts with the original creditors and furnishers. 

Charged-Off Accounts in Dispute : XXXX XXXX  XXXX Acct XXXX XXXX Reported : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Acct : XXXX Reported : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Acct : XXXX Reported : XX/XX/XXXX Balance : {$910.00} XXXX XXXX XXXX Acct : XXXX Reported : XX/XX/XXXX Balance : {$1200.00} I request that Equifax verify the accuracy of these items directly with the original creditors. If verification can not be provided with documentation, I am requesting that these accounts be corrected or deleted from my report pursuant to FCRA 611 ( a ) ( 5 ).

There are no inquiries or late payments in dispute at this time.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation Charged Off : XXXX - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX  - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$1200.00} XXXX  XXXX - XXXX Date : XX/XX/XXXX | Amount : {$5600.00} XXXX XXXX  - XXXX Date : XX/XX/XXXX | Amount : {$8600.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XX/XX/XXXX | Amount : {$1100.00} XXXX  - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX - XXXX XXXX XXXX XX/XX/XXXX | Amount : {$0.00} XXXX - XXXX Date XXXX XX/XX/XXXX | Amount : {$2100.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$23000.00} XXXX XXXX - XXXX Date : XX/XX/XXXX | Amount : {$0.00} XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX | Amount : {$9600.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/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 2025-10-30 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 notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 FCRA 605B ) and 623, as a verified victim of identity theft. I have repeatedly submitted documentation and supporting evidence, including my XXXX Police Report, regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions, these accounts or their related information continue to appear or remain unblocked in my file. 

The following fraudulent accounts must be permanently blocked and deleted from my credit file, and any future reinsertion of these or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2025. 

All of these accounts were opened by an unknown party using my stolen identity, as confirmed in the FTC Identity Theft Report and the XXXX XXXX Police Department report. I never authorized or consented to these credit applications. 

I demand that under FCRA 605B ( b ) you : Permanently block all information related to the fraudulent accounts listed above ; Delete any and all existing records, inquiries, or derivative data connected to these accounts ; Ensure future suppression, preventing these or related accounts from ever reappearing in my credit report ; Provide written confirmation of the completed block and deletion within the statutory XXXX business days of receipt of this notice ; Notify all furnishers involved that the information has been identified as fraudulent and must not be re-reported under 623 ( a ) ( 6 ) ( B ). 

This request also extends to any fraudulent accounts or information not currently visible in my credit file but explicitly mentioned in my FTC or police reports those must be preemptively blocked to prevent reappearance. 

Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ), exposing your agency to statutory damages, attorney fees, and civil liability under 15 U.S.C. 1681n and 1681o. 

Please confirm in writing that all fraudulent accounts and related information have been permanently removed and blocked from future 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 2025-10-30 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: OK

Complaint narrative:
I am filing a complaint against Experian because my credit report dated XX/XX/year> contains information that is inaccurate, incomplete, and unverified, despite my written dispute under the FCRA 611. Experian has not demonstrated maximum possible accuracy as required by FCRA 607 ( b ) and my file also shows hard inquiries that I did not authorize in writing and for which no permissible purpose ( FCRA 604 ) has been proven. I request that Experian conduct a complete reinvestigation, delete or correct any item that can not be fully verified with the original data furnisher, remove any unauthorized inquiries, and update my personal identifiers ( name, address, and date of birth ) to match my verified information exactly. Please provide a written confirmation of the results, including the method of verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ), and a free updated copy of my credit report reflecting all corrections.

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 2025-10-30 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: TN

Complaint narrative:
I am submitting this complaint to dispute unauthorized credit inquiries that appear on my Experian report. Instead of mailing the dispute separately, I have attached my dispute letter directly to this CFPB complaint to make sure it is received and processed. The inquiries I am challenging are : 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 

I want to be sure that Experian reviews my dispute properly and provides a timely response. I trust that the CFPB will forward this submission and its contents to the credit bureau as part of their standard complaint process.

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 2025-10-30 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 writing to request an investigation into the following accounts currently reflected on my credit reports. I believe that the information being reported is inaccurate and requires correction in accordance with the Fair Credit Reporting Act ( FCRA ). Please investigate the following discrepancies and provide me with a response detailing the outcome of your investigation Charged Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$450.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX  CA, XX/XX/XXXX XXXX, XX/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 2025-10-30 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
This items are inaccurate because the balance is incorrect, date of first delinquency are wrong and I never signed an agreement authorizing this accounts.

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 2025-10-30 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 XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$280.00} - Date Opened : XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

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 XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given th
e opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agenc
y 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information 
relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-30 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 complaint because my Experian credit report may contain entries that are inaccurate or unverifiable. I request a reinvestigation under FCRA 611. 

Charged-Off Accounts in Dispute XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} Please verify this account with the original creditor or court records. Remove it if it can not be verified. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify that these inquiries were authorized by me. Remove any inquiry that can not be verified. 

Late Payments There are currently no late payments in dispute with Experian. 

There are currently no positive accounts in dispute with Experian.

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 2025-10-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted an American Express prepaid gift card as a gift. This was a gift for my service as a XXXX XXXX XXXX XXXX 
The card was later compromised, and the full balance was stolen through unauthorized transactions. I did not authorize or make the purchases. I tried making purchases before my trip to XXXX XX/XX/XXXX however, by surprise I had no funds available on my prepaid card!! 

When I contacted American Express to report the fraud, they opened a case and later denied my claim ( TWICE!! ) They refunded only about {$10.00} dollars if I am not mistaken, even though the total stolen amount was approximately {$300.00}. I requested a review and spoke with multiple representatives, but they refused to restore my funds or provide a clear reason for denial. 

This is truly unfair - as a gift that I never was able to use - the funds were clearly stolen, and I have no access to them at all. I acted promptly, followed all instructions, and provided the requested documentation. Despite this, American Express still refused to take responsibility and was hopeful that they would help me. They failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Charged Off Accounts : XXXX XXXX XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please investigate and update this account to reflect accurate information. 

XXXX XXXX Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and correct the account status. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$1000.00} is incorrect. I request a review and correction of this account. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$0.00} is inaccurate. Please investigate and provide the corrected entry. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$4100.00}. Please investigate the account and correct any discrepancies. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$1300.00} is inaccurate. Please review and update accordingly. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$740.00}. I request a verification and update of this account. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$14000.00} is incorrect. Please verify and correct the account status. 

XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$3800.00}. Please investigate and correct the entry. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$2400.00} is inaccurate. Please verify and correct this account. 

Inquiries : There are no specific inquiries listed for Experian in this case.

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 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
I've reached out to cash app and still haven't got my claim settled due to fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate or unauthorized information appearing on my credit report. Please provide written verification of its accuracy or remove it from my credit file as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

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