vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to bring to your attention a serious and unacceptable error on my credit report. There is an account showing up on my file that does not belong to me. It appears that my credit information is being mixed with someone elses, and as a result, Im being held responsible for an account that I have absolutely nothing to do with.

Let me be crystal clear : This account is not mine. I never opened it. I have no connection to it. This is a blatant case of file mixing and its already affecting my credit in ways that are both damaging and entirely undeserved.

You are required by law to report only 100 % accurate and verifiable information. Allowing another persons account to appear on my credit report is not just careless its a direct violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-06-12 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX and I had a cash app account with about {$1700.00} in it. Between XX/XX/year>XXXX  and XX/XX/year>XXXX  someone hacked into my account and stole the entire {$1700.00} out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 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 looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 2025-06-12 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: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 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 looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
XXXX XXXX  put a collection on my credit report. I Had contacted them years ago about this bill and they did not bill the correct insurance. The person I spoke with told me that she saw I had insurance and was going to bill the correct insurance and resolve this matter. I never heard anymore. Never received anymore bills. Today I was looking at my credit score and noticed they just put a collection on there for a matter that should have been handled years ago. I was under the impression this was taken care of by the office manager at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am reporting multiple fraudulent credit card accounts that were opened and charged off without my knowledge or consent. These accounts were not authorized by me, and I have never had access to them, made payments on them, or received any benefit from them. 

The accounts are : XXXX XXXX XXXX XXXX Reporting a charge-off with a balance of {$4800.00} and multiple delinquencies I am not responsible for. 
XXXX XXXX XXXX XXXX Reporting a charge-off for {$450.00}. I have never opened an account with XXXX or conducted any business with them. 
Capital One Reporting a charge-off for {$6500.00}. This account shows high utilization and long-term delinquency that I had no knowledge of until checking my credit report. 

These accounts are the result of identity theft. I have submitted an FTC Identity Theft Report and will also be filing a police report. I am requesting that all three accounts be removed from my credit file and permanently blocked from being reported under my name in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am reporting multiple fraudulent credit card accounts that were opened and charged off without my knowledge or consent. These accounts were not authorized by me, and I have never had access to them, made payments on them, or received any benefit from them. 

The accounts are : XXXX XXXX XXXX XXXX Reporting a charge-off with a balance of {$4800.00} and multiple delinquencies I am not responsible for. 
USAA Federal Savings Bank Reporting a charge-off for {$450.00}. I have never opened an account with USAA or conducted any business with them. 
XXXX XXXX Reporting a charge-off for {$6500.00}. This account shows high utilization and long-term delinquency that I had no knowledge of until checking my credit report. 

These accounts are the result of identity theft. I have submitted an FTC Identity Theft Report and will also be filing a police report. I am requesting that all three accounts be removed from my credit file and permanently blocked from being reported under my name in the future.

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 2025-06-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against JPMCB CARD for failing to properly investigate, verify, and correct inaccurate information on my credit report. Despite submitting a detailed written dispute and requesting the Method of Verification, JPMCB CARD has continued reporting multiple unverifiable and factually incorrect accounts. These errors have negatively affected my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). I have requested verification of this alleged delinquency and any documentation validating its accuracy. JPMCB CARD has not provided evidence and I believe this reporting is incorrect and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CT

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 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 2025-06-12 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I called to this debt collector and asked the itemized bill and forward flow agreement, when did this XXXX of their customer specials hang up the phone on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
THERE ARE MULTIPLE ACCOUNTS THATS DO NOT BELONG TO ME I HAVE DISPUTE THEM SEVERAL TIMES AND NO ACTION HAS BEEN TAKEN. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX I HAVE ALSO SENT IN MY DRIVER LICENSE AND PROOF OF RESIDENCE MULTIPLE TIMES TO CLEAR THAT I AM NOT THAT PERSON, HE IS MY FATHER, AT HIS ACCOUNTS KEEP SHOWING UP ON MY CREDIT REPORT. MY ADDRESS FOR THE LAST XXXX YEARS IS AND HAS BEEN THE SAME AND THEY HAVE ADDRESSES THAT I DO NOT EVEN KNOW ABOUT I HAVE FILED THIS DISPUTRE WITH EXPERIAN MULTIPLE TIMES ALREADY. THE MOST RECENT ON BEING ON XX/XX/year>, AND BELOW IS THE COPY AND PASTE FROM THERE WEBSITE SHOWING THAT I SUBMITTED THE DISPUTES. 

Your Account Dispute has been updated. 

XXXX XXXX, XXXX You have opened an Account Dispute on your Experian credit report. 

XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 

XXXX XXXXXXXX XXXX You have opened an Account Dispute on your Experian credit report. 

XXXX XXXX, XXXX You have opened an Account Dispute on your Experian credit report. 

XXXX XXXX, XXXX  You have opened an Account Dispute on your Experian credit report. 

XXXX XXXX, XXXX You have opened an Account Dispute on your Experian credit report. 

XXXX XXXX, XXXX You have opened an Account Dispute on your Experian credit report. 

XXXX XXXX, XXXX  You have opened an Account Dispute on your Experian credit report. 

XXXX XXXX, XXXX You have opened an Account Dispute on your Experian credit report. 

XXXX XXXX, XXXX I CONTINUE TO GET TOLD THAT THE ACCOUNTS ARE VERIFIED BUT HOW ARE THEY VERIFIED WHEN MY NAME IS NOT EVEN CORRECT ON MY CREDIT REPORTS

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 2025-06-12 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: CA

Complaint narrative:
TransUnion is currently reporting several charge-off accounts on my credit file that I dispute as inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX ( account ending in XXXX * * * * ), opened on XX/XX/XXXX, with a reported balance of {$600.00} ; XXXX ( account ending in XXXX * * * * ), opened on XX/XX/XXXX, with a reported balance of {$1700.00} ; and XXXX XXXX  XXXX ( account ending in XXXX * * * * ), opened on XX/XX/XXXX, with a reported balance of {$5900.00}. 

I formally dispute the accuracy, completeness, and current validity of these charge-off entries. I have not been provided with any legally sufficient documentation from the data furnishers that verifies the ownership, origin, contractual basis, or calculation of the balances for these accounts. No original account agreements, charge-off notices, or payment history records have been provided. Without this verification, these entries remain unsubstantiated and potentially the result of clerical error, data misattribution, or improper reporting by the furnishers. 

Under XXXX XXXX. XXXX ( b ), TransUnion is required to implement reasonable procedures to ensure that the information contained in consumer reports is as accurate and complete as possible. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), TransUnion must conduct a reasonable and timely reinvestigation of any item a consumer disputes. If the disputed information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ). The continued presence of these charge-offsabsent proof that I am legally and contractually obligated for these debtsconstitutes a material inaccuracy that misrepresents my creditworthiness. 

These charge-offs, particularly those with high balances like the XXXXXXXX XXXX XXXX entry, have a significant negative impact on my credit file. Without evidence confirming their legitimacy and accuracy, they do not belong on my report and should be removed in accordance with federal law.

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 2025-06-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I'm a victim of Identity theft. I reported this to Equifax Credit Bureau 3 times. 

I just received another letter from Equifax stating under Section 605B of the Fair Credit Reporting Act, I need proof of my identity, the specific information that is the result of identity theft and a complete and submitted Identity Theft Report with Federal Trade Commission. All this information was submitted to Equifax 3 times. On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  and XX/XX/year>. 

This is an example of how Equifax refuse to follow the Federal guidelines governed by the Consumer Financial Protection Bureau and the Fair Credit Reporting Act This is just another unnecessary delay of a Company refusing to abide by the rules.

Company response to consumer: Closed with explanation