vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: WI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX and 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 have sent written disputes since the month of may and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 
Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

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 2025-10-24 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I did a transaction by western union to XXXX  bank in XXXX since XX/XX/XXXX at XXXX XXXX  by an agent location the amount is {$530.00} us.but the receiver doesnt receive it, when I call wester union they said they cant give me back the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: MO

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-24 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-10-24 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an XXXX XXXX XXXX collection account that appears on my credit report. XXXX sued me in XXXX County Justice Court, Case No. XXXX. On XX/XX/year>, the court granted XXXX own Motion to Dismiss, meaning the case was dismissed with no judgment against me. Despite this dismissal, this continues to report the XXXX XXXX account as a valid collection. I previously disputed the account through their online system and provided a copy of the Order of Dismissal, but they have not removed this. I am requesting that the CFPB review this issue because XXXX XXXX has not provided proof that the debt is valid or that they have a right to report it. Continuing to report this account after dismissal appears to violate the Fair Credit Reporting Act ( FCRA ), including Sections 1681i and 1681s-2 ( a ) ( 1 ) ( A ) regarding accuracy and reinvestigation. I am asking that they remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
I am writing to dispute the inaccurate and inconsistent reporting of late payments on my credit file. The following accounts are being reported with errors and require immediate correction or deletion pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX, 15 U.S.C. XXXX ( a ). 

Account Name : XXXX XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Account Name : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$17000.00}

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: GA

Complaint narrative:
XXXX XXXX locked my benefits card XXXX  months ago. They have so far sent me XXXX or XXXX new cards and NONE of them are able to receive my benefits on them. I keep getting told they have to replace a specific card and they promise me my funds will be on the new card and it never is!!!! They owe me over {$1700.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
A lease was started on my name for an address in XXXX I have never lived in, I contacted the main debtor they do not even have my ssn on file, this is fraudulent activity

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
I have been going through XXXX and back to try to resolve an issue Ive had with cash app for too long now. Since XX/XX/year> Ive been tooken advantage of XXXX from my bank account through my cashapp account. After constant back and forth with both my bank ( XXXX  ) and Cashapp just to keep being told that I authorized these unauthorized transactions. If I authorized these transactions I wouldnt be fighting this matter at all. You lazy XXXX keep repeating the same scripted lines with no actual evidence provided to me. I want the public to know what kind of scumbags you companies are and to never use your business ever. You dont protect your clients and blame them for something that wasnt authorized or completed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am formally requesting a reinvestigation and deletion of the following inaccurate and unauthorized items on my TransUnion credit file. This letter serves as a notice under the Fair Credit Reporting Act ( FCRA ). 
Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$1800.00} Opened : XX/XX/XXXX Issue : This tradeline is reporting inconsistently across bureaus and lacks full verification of accuracy, completeness, and ownership. The furnisher has not provided proper validation, and therefore, this entry fails FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( duty to reinvestigate disputed accuracy ).

Requested Action : Please delete this item from my credit file for failure to verify and for reporting incomplete and inaccurate information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Reported : {$190.00} Opened : XX/XX/XXXX Issue : This collection account does not belong to any current or verified debt obligation. There is no substantiated proof of permissible purpose or valid assignment of debt under 604 ( a ) of the FCRA. I request full deletion for lack of verification and ownership evidence. 
Requested Action : Delete this item immediately as unverified and inaccurate under FCRA 1681i ( a ).

Unauthorized Hard Inquiries ( FCRA 604 ( a ) Lack of Permissible Purpose ) Please remove the following hard inquiries not associated with any approved or active credit account in my file : XXXXXXXX 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 XXXXXX/XX/XXXX These inquiries are unrelated to my open positive accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and therefore lack permissible purpose under FCRA 604 ( a ) ( 2 ). Please remove them or provide documentary proof of authorization ( e.g., signed credit application ).

Method of Verification Request FCRA 1681i ( a ) ( 7 ) If you claim to have verified any of the above items, please provide the complete description of your reinvestigation procedure, including : The business name, address, and phone number of each furnisher contacted ; The documents reviewed ; and The verification method used.

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 2025-10-24 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: GA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2025, I mailed a formal dispute letter to Experian regarding several inaccurate and unverifiable negative items that appear on my credit report. My dispute letter included detailed explanations of each error, referenced the FCRA requirements, and enclosed all required identification documents ( copy of my government-issued ID, Social Security card , and proof of address ) to verify my identity. 

As of XX/XX/2025, I have not received any acknowledgment, response, or results of investigation from Experian. This lack of response exceeds the 30-day limit mandated by FCRA 611 ( a ) ( 1 ) and constitutes a clear violation of my consumer rights. 
The items disputed in my letter included : XXXX inconsistent reporting across bureaus, contradictory payment history, and incomplete account data. 

XXXX  inconsistent statuses and balances, missing payment terms, and unverifiable bankruptcy remarks. 

XXXX XXXX contradictory account statuses ( open/closed/charged off ) and inaccurate bankruptcy-related reporting. 

XXXX XXXX XXXX  ( XXXX XXXX : XXXX ) incomplete and unverifiable court information with missing financial details. 

Unauthorized Inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect Addresses listings for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are not associated with me. 

Because Experian failed to respond or complete a reasonable investigation within the required 30 days, these items remain on my report in violation of the Fair Credit Reporting Act.

611 ( a ) ( 1 ) Requires credit bureaus to investigate consumer disputes within 30 days.

611 ( a ) ( 6 ) Requires bureaus to notify consumers of the investigation results.

607 ( b ) Requires credit bureaus to maintain maximum possible accuracy in credit reports.

Experians failure to comply with these provisions is a direct violation of federal law and has caused ongoing harm to my creditworthiness and financial opportunities.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am writing to formally file a complaint against Ally Financial for reporting inaccurate information on my credit report, which has severely impacted my credit standing. 

Ally Financial has reported an incorrect balance and late payments on my account. Previously, these negative items were removed from my credit report after I disputed them and Ally Financial acknowledged the errors. However, I recently discovered that the same negative informationspecifically the incorrect balance and reported late paymentshas been re-added to my credit report. 

This repeated reporting of inaccurate information violates the Fair Credit Reporting Act ( FCRA ), as it constitutes the furnishing of false or outdated data. The negative entries have significantly damaged my credit score and caused undue distress.

I have attempted to resolve this issue directly with Ally Financial and through the credit bureaus but have not received a satisfactory resolution. I am requesting the CFPBs assistance in investigating this matter and ensuring that Ally Financial : Removes the incorrect balance and late payment information from my credit report ; Corrects any inaccuracies associated with my account ; and Implements measures to prevent these erroneous entries from reappearing in the future. 

Attached are copies of my correspondence with Ally Financial, my credit reports showing the disputed items, and any supporting documentation related to my prior dispute and resolution. 
Thank you for your attention to this matter. I look forward to your prompt investigation and assistance in ensuring my credit file accurately reflects my payment history. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I saw where it said check if you are reapproved with no credit pull, I did and I didnt apply and I got a credit pull and a notification to complete my application which I didnt and couldnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, my wife 's purse was stolen from her car at daycare in XXXX, Texas. The purse contained her driver 's license, Bank of America debit card, and credit cards. We immediately froze all cards, placed credit freezes with all three credit bureaus, and filed a police report with XXXX Police Department ( Report # XXXX ). 
On XX/XX/year>, I received a mobile notification from Bank of America stating my available account balance had dropped below {$100.00}. I opened the mobile app and discovered eight suspicious transactions, all pending, processed that same day. I immediately called Bank of America customer service to report these fraudulent charges and request they be stopped or declined given their pending status.

The representative stated there was nothing they could do except wait until the transactions completed, then call back to file a fraud claim. I reiterated that these were unauthorized fraudulent charges that needed immediate intervention. The same response was provided with no further assistance. I continued following up through multiple calls over the next several days, none of which resulted in any assistance or provisional relief.

The eight fraudulent transactions totaling {$7900.00} were subsequently completed. Investigation revealed that fraudsters had created eight checks using a XXXX XXXX XXXX XXXX ( XXXX XXXX ) account from XXXX XXXX, Arkansas ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AR XXXX ). These checks were made payable to " XXXX XXXX '' using my wife 's stolen driver 's license information. The checks were deposited into my wife 's Bank of America account and then withdrawn in person at Bank of America branches across multiple transactions.

This occurred despite : ( 1 ) our immediate XX/XX/XXXX notification that the debit card was stolen, ( 2 ) the account being flagged for suspicious activity, ( 3 ) my XX/XX/XXXX real-time reporting of pending fraudulent transactions before they completed, and ( 4 ) multiple follow-up calls requesting Bank of America 's assistance and be provided the fraud packet a month after fraud claim filed, and ( 5 ) negligence sending fraud claim denial letter when fraud packet had been submitted back within the required 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 monetary relief