vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
b'I am submitting this complaint to formally dispute multiple inaccuracies on my credit reports, as reporting from several creditors is incomplete, inconsistent, and, in many cases, entirely false, and I am requesting a thorough reinvestigation under my rights provided by the Fair Credit Reporting Act, including 602, 604(a)(3), 605(a), 607(b), 609, 611, 623(a)(1)(A), 623(a)(2), 623(b), and 15 U.S. Code 16661666a; specifically, XXXX XXXX XXXX XXXX XXXX is reporting a XXXX  balance with a 30-day late payment across TransUnion, Experian, and Equifax despite my timely payments, violating FCRA 623(a)(2) and 623(b) for failure to update and investigate disputed information; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are showing XXXX  balances with 30-day late payments across all bureaus, which is false and obsolete, contrary to FCRA 605(a) and 607(b), creating undue harm to my credit profile; XXXX XXXX XXXX XXXX reports multiple late payments including 30, 60, 90, and 120 days between XXXX XXXX XXXX XXXX XXXX inconsistently across the three bureaus, violating FCRA 611 and 623(a)(2), and XXXX XXXX XXXX XXXX XXXX  is reported as a XXXX  charge-off incorrectly tied to an open account, failing to meet FCRA 623(a)(1)(A) and 623(b) requirements for accuracy and investigation; throughout this process, I have maintained my obligations, yet these repeated errors misrepresent my creditworthiness and cause significant XXXX, and under FCRA 609, I am entitled to full disclosure of supporting documentation, which I request you verify with XXXX XXXX XXXX XXXX XXXX XXXX to correct or delete any information that cannot be fully substantiated, while also ensuring compliance with 15 U.S. Code 16661666a regarding prompt investigation and resolution of billing errors.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 XXXX years. 

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 ( 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
The original creditor, XXXX XXXX, never gave me a chance to resolve the debt. Now security credit has never gave me a chance to resolve the debt either and is reporting the wrong amount. This account should be removed from my credit report according to the credit reporting laws. This is the companies keep minorities in high interest rates by negativity impacting their credit report. Security Credit services is a XXXX and XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
subject : CFPB COMPLAINT & DEMAND FOR DELETION - FAILURE TO COMPLY Account : XXXX XXXX XXXX This letter serves both as a formal demand for deletion of the XXXX XXXX XXXX account from my Experian file and as documentation accompanying my CFPB complaint for your repeated failure to comply with FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and IRS 6050P reporting requirements. You have ignored XXXX prior lawful requests for a copy of IRS Form 1099-C and have provided no validation, documentation, or written confirmation. Those letters will be attached to this compliant. Under federal law, any creditor who cancels or discharges a debt of {$600.00} or more must issue a Form 1099-C to both the debtor and the IRS for the tax year in which the event occurred. Please provide within 15 days : 1. A copy of the 1099-C, if filed. 2. The date and tax year of cancellation. 3. The name and IRS contact information of the reporting department. 4. If no 1099-C exists, a written statement confirming that no cancellation occurred. Due to your lack of compliance and ongoing reporting of inaccurate information, I am demanding immediate deletion of this account from all consumer reporting agencies. This complaint is being filed with the Consumer Financial Protection Bureau citing : Failure to provide proof of debt cancellation or Form 1099-C issuance.Failure to verify account accuracy as required under FCRA 623 ( b ) .Failure to provide a Method of Validation under 611 ( a ) ( 7 ). You will be required to respond directly to the CFPB within their investigation timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Inaccurate information appears on my Experian Credit Report regarding the XXXX XXXXXXXX account reported under my name, XXXX XXXX XXXX. This account is listed as closed, with XXXX XXXX late payments. The reporting is incomplete and does not meet the standards required under the Fair Credit Reporting Act FCRA. The account is reporting with a dash. ( - ) For the balance update, monthly payment terms, and several other fields, which means Experian and the furnisher have failed to provide complete and accurate data as required by FCRA 602 ( A ) and FCRA 607 ( B ). If an account is reported, it must be an accurate, complete, and verifiable account. Additional discount shows a high balance of {$440.00}, despite the credit limit being {$300.00}, which is inconsistent, inaccurate, and contradicts standard reporting multiple fields as blank, which constitutes incomplete reporting and violate FCRA 623 ( a ) 1 ) A because furnished may not supply information they know or should know is incomplete or inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Inaccurate information appears on my Experian Credit Report regarding the XXXX XXXXXXXX account reported under my name, XXXX XXXX XXXX. This account is listed as closed, with XXXX XXXX late payments. The reporting is incomplete and does not meet the standards required under the Fair Credit Reporting Act FCRA. The account is reporting with a dash. ( - ) For the balance update, monthly payment terms, and several other fields, which means Experian and the furnisher have failed to provide complete and accurate data as required by FCRA 602 ( A ) and FCRA 607 ( B ). If an account is reported, it must be an accurate, complete, and verifiable account. Additional discount shows a high balance of {$440.00}, despite the credit limit being {$300.00}, which is inconsistent, inaccurate, and contradicts standard reporting multiple fields as blank, which constitutes incomplete reporting and violate FCRA 623 ( a ) 1 ) A because furnished may not supply information they know or should know is incomplete or inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am being sued for money that I am being told I owe to a lawyer I know nothing about. My information was giving to them. I also have other disputes under my name that I have no idea where they came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
I woke up Saturday morning XX/XX/XXXX and seen there was a charge on my Cash App card for {$270.00} that I didnt make. I immediately called Cash App customer service and they told me to block the pending transaction ( {$270.00} ) from a company I never heard of ( XXXX XXXX ) which I did. The guy told me to get a new card and I paid {$20.00} for the new card. 

Today on XX/XX/XXXX I checked my account and the charge went through. I had blocked the company and Cash App let the charge go through Knowing it was a fraudulent charge. I BLOCKED this company ( XXXX ) on the app! I contacted Cash App again today and they said I have to file a dispute which could take up to 45 days!! So because they messed up on their end I had to wait for my money which Im hoping gets returned. I am a victim and feel victimized that money I really need for my bills was stolen and Cash App did NOTHING to help me at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While i was taking a look at my credit report I realized inquires that I believe do not belong to 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 explanation
Consumer complaint received 2025-11-17 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: UT

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports, which I have identified across Experian, Equifax, and TransUnion. My addresses are inconsistently reported as XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX in Experian, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX in TransUnion. These discrepancies violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 607 ( b ), which require both furnishers and CRAs to maintain maximum possible accuracy of reported consumer information. The inconsistent reporting of my residence has resulted in confusion, inaccurate account tracking, and possible mixed-file reporting, necessitating an immediate correction to reflect my accurate addresses across all bureaus.

In addition, several charge-off accounts are inaccurately reported with conflicting balances and statuses across the three credit bureaus, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ). XXXX XXXX XXXX XXXX appears with balances of {$590.00} and {$1000.00} across Experian, Equifax, and TransUnion. XXXX XXXX XXXX shows {$420.00} in all three bureaus, while XXXX  XXXX XXXX is reported twice with balances of {$810.00} and {$430.00} in Experian. Additional accounts, including XXXX XXXXXXXX ( {$1000.00} ), XXXXXXXX XXXX XXXX ( {$640.00} ), and XXXX XXXX XXXX XXXX ( {$980.00} ), are inaccurately reported in TransUnion. Each of these accounts must be reinvestigated, corrected, and reconciled to accurately reflect the actual balances, statuses, and dates of first delinquency to ensure my credit report is accurate and compliant with FCRA regulations. 
Furthermore, multiple collections are inconsistently or inaccurately reported in violation of FDCPA 809, 807, 808 and FCRA 605 ( a ) / 605 ( c ). XXXX XXXX shows a balance of {$1900.00} across all three bureaus. XXXX XXXX, with original creditor XXXX, is reported with a {$1600.00} balance in all three bureaus. Additionally, XXXX XXXX XXXXXXXX ( {$750.00} ) and XXXX ( {$590.00} ) appear in Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$750.00} ) in TransUnion. These accounts include duplicate reporting, inconsistent balances, and outdated information. I request a full reinvestigation of all accounts, including verification of balances, original creditors, and dates of first delinquency, and require that all unverifiable or inaccurate information be promptly corrected or removed as mandated under FCRA and FDCPA. Please provide written confirmation of the results of your investigation in accordance with FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: UT

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports, which I have identified across Experian, Equifax, and TransUnion. My addresses are inconsistently reported as XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX in Experian, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX in TransUnion. These discrepancies violate FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 607 ( b ), which require both furnishers and CRAs to maintain maximum possible accuracy of reported consumer information. The inconsistent reporting of my residence has resulted in confusion, inaccurate account tracking, and possible mixed-file reporting, necessitating an immediate correction to reflect my accurate addresses across all bureaus.

In addition, several charge-off accounts are inaccurately reported with conflicting balances and statuses across the three credit bureaus, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ). XXXX XXXX XXXX XXXX appears with balances of {$590.00} and {$1000.00} across Experian, Equifax, and TransUnion. XXXX XXXX XXXX shows {$420.00} in all three bureaus, while XXXX  XXXX XXXX is reported twice with balances of {$810.00} and {$430.00} in Experian. Additional accounts, including XXXX XXXXXXXX ( {$1000.00} ), XXXXXXXX XXXX XXXX ( {$640.00} ), and XXXX XXXX XXXX XXXX ( {$980.00} ), are inaccurately reported in TransUnion. Each of these accounts must be reinvestigated, corrected, and reconciled to accurately reflect the actual balances, statuses, and dates of first delinquency to ensure my credit report is accurate and compliant with FCRA regulations. 
Furthermore, multiple collections are inconsistently or inaccurately reported in violation of FDCPA 809, 807, 808 and FCRA 605 ( a ) / 605 ( c ). XXXX XXXX shows a balance of {$1900.00} across all three bureaus. XXXX XXXX, with original creditor XXXX, is reported with a {$1600.00} balance in all three bureaus. Additionally, XXXX XXXX XXXXXXXX ( {$750.00} ) and XXXX ( {$590.00} ) appear in Equifax, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$750.00} ) in TransUnion. These accounts include duplicate reporting, inconsistent balances, and outdated information. I request a full reinvestigation of all accounts, including verification of balances, original creditors, and dates of first delinquency, and require that all unverifiable or inaccurate information be promptly corrected or removed as mandated under FCRA and FDCPA. Please provide written confirmation of the results of your investigation in accordance with FCRA 611.

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