vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-11-14 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am writing to dispute several accounts that have been inaccurately reported on my TransUnion credit report. Below is the detailed information regarding the accounts in question : Charged-Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$21000.00} Bankruptcy, XXXX, XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX XXXX XXXX XXXX Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
CFPB Complaint On XX/XX/year>, I called Carrington Mortgage Services , LLC to inquire about a HELOC advertised on their website. The representative confirmed XXXX does NOT offer HELOCs, despite the advertisement, and pushed a refinance. I refused and stated I would seek a HELOC elsewhere. I ended the call without applying for anything. 
On XX/XX/year>, I received a Statement of Credit Denial dated XX/XX/year> from Carrington Mortgage Services , LLC, claiming a refinance application was incomplete. I never applied for a refinance.This unauthorized application triggered a hard credit inquiry we did not consent to. My family is now leading into financial hardship and still without HVAC going into winter months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am filing a dispute with Experian regarding the following accounts, as they do not accurately reflect my credit history and are negatively impacting my credit score. The issues detailed below need to be thoroughly investigated and corrected.

Charged Off Accounts : Bankruptcy Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Issue : This account is incorrectly reported as charged off under bankruptcy. The reporting does not accurately reflect the true nature of the accounts status, and I request a thorough investigation into its correction. 

XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Issue : The account shows a charged-off status, but this information does not match the actual repayment history. Please investigate and correct the balance and status accordingly. 

XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$580.00} Issue : The balance shown here is incorrect. It is essential for this amount to be adjusted to reflect the correct balance for accurate reporting. 

XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Issue : The account is listed as charged off, but the status and balance do not align with the actual repayment status. Please investigate and correct this discrepancy. 

Inquiries : XXXX XXXX Account Date : XX/XX/XXXX Issue : Multiple inquiries have been made without proper authorization. These unauthorized inquiries are negatively impacting my credit score and should be removed. 

XXXX XXXX Account Date : XX/XX/XXXX Issue : Another duplicate inquiry. I request an investigation to ensure this inquiry is properly authorized or removed. 

XXXX XXXX Account Date : XX/XX/XXXX Issue : Unwarranted inquiry. I ask that this entry be verified and removed to prevent further damage to my credit. 

XXXX XXXX Account Date : XX/XX/XXXX Late Payments : XXXX  XXXX  - 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
XXXX is reporting a Southwest Credit Systems/XXXX XXXXXXXX account with a removal date of XXXX, even though the debt originated in XXXX. 
This is an illegal re-aging of the account under FCRA. Southwest provided documentation that they obtained the account in XXXX, and the account number is no longer valid. XXXX  is refusing to allow me to upload additional documentation or provide the required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ).

I am requesting a full investigation, the true Date of First Delinquency, and deletion if the furnisher can not document the original delinquency date. The amount due on this account is {$500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
There has been an Improper use of my consumer report which violate the fair credit reporting law according to 15 US code 1635, I do not approve or have anything to do with the following accounts, kindly remove. 

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

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 2025-11-14 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: TX

Complaint narrative:
There has been an Improper use of my consumer report which violate the fair credit reporting law according to 15 US code 1635, I do not approve or have anything to do with the following accounts, kindly remove. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially.

time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
T

his is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Made small purchase in XX/XX/year>. 
I received no statement via email, hardcopy, etc from the card issuer. 
Was finally sent a notice in late XXXX. 
Called card issuer and discovered they had already reported me delinquent to all three bureaus and decreased my credit score between XXXX points. 
I plead my case due to late fees and min interest charges. They waived the delinquent fees but forced me to pay min interest charges. I immediately paid amount due plus interest ( approx {$53.00} ) and closed my card/account. Only delinquency on my report in XXXX years. I dispute their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
I tried to verify my identity to Cash App. They closed my account with no explanation as to how or why. They told me I would have to wait XXXX business days for my account to be reopened because I had violated their terms of service. Before my account was closed, I was trying to use their Borrow feature. Once I went to use it, the app prompted me to verify my identity. I tried twice, and after the second attempt they closed my account. To add further context, my full name is XXXX XXXX XXXX Ive also moved addresses since I created my account. So its understandable that they would think there was fraudulent activity. My complaint essentially is about the support team. In my special case, the support team was inefficient in helping or expediting the process to get my account back open. I am fully capable of verifying my identity to any representative they have ; the issue here is that I was unable to reach anybody through their support line or AI. Their support system is useless for my specific case and I do not want this to happen to others because of a misunderstanding or confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-14 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Savings account opened, money borrowed from my loan lines, transferred to my various accounts at the same time and untimately stolen {$17000.00} from 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 monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
These multiple entries are incorrect, duplicative, and misleading, as the account in question has already been paid off and should not continue to appear as separate or repeated inquiries. 
Items to be Investigated & Removed : - CAPITAL ONE BANK USA reported on XX/XX/XXXX - CAPITAL ONE BANK USA reported on XX/XX/XXXX - CAPITAL ONE BANK USA reported on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ DATA XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$210.00} XX/XX/XXXX XXXX  {$9000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE FILLED OUT IDENTITY, THEFT, REPORTS, I ALSO HAVE COURT DOCUMENTS I HAVE BEEN TRYING REMOVE THESE COLLECTIONS FOR XXXX YEARS. 

Collection Agency Pursuing to consumer law 15 USC 1692 E ) ( 15 USC 1692 J They Are Not Your Original debtor and you dont have a signed agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation