vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The company known by the name 'Experian.com ' has for over a decade misrepresented consumer credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute the inclusion of an inaccurate address on my Experian credit report : XXXX XXXX XXXX XXXX XXXX CA XXXX. Despite multiple attempts to have this erroneous address removed, Experian continues to report it and falsely claims it is associated with an active account. I do not believe this to be true. Even if such a connection existed, the inclusion of an incorrect or outdated address that is not mine remains a violation of my consumer rights under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the legal right to dispute incomplete or inaccurate information in my credit file, and Experian is obligated to conduct a reasonable reinvestigation. Their continued failure to remove the address after being notified in writing, and without providing any verifiable evidence of the alleged linkage, constitutes a failure to uphold their legal responsibilities under the FCRA. 

This inaccurate reporting is affecting my personal and financial integrity. I demand immediate investigation by the CFPB into Experians practices and request the following resolution : XXXX removal of the incorrect address from my Experian credit report. 
XXXX from Experian of any alleged account linked to this address, including the name of the creditor and the nature of the account. 
XXXX that this inaccurate information will not be reinserted into my report without proper certification and prior notice to me, as required by law. 

I have attached all relevant documentation, including my previous dispute correspondence to Experian. I respectfully request that this issue be escalated and resolved as soon as possible.

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 2025-06-27 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
There is a XXXX  account listed on my credit report that is being reported inaccurately. I was not properly notified about the debt, and I was denied my right to dispute or verify it prior to it being XXXX XXXX This violates my rights under federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/year> These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
Credit Report Hard Inquiries For Auto Loan : On XX/XX/year>, I gave XXXX XXXX XXXX, Illinois consent to pull a credit report for car purchase purpose. On XX/XX/year>, checking my credit report revealed total of 4 hard credit inquiries. Only 1 hard pull should have been valid which is XXXX, of XXXX. The hard inquiries in question that should not be on my credit report are XXXX XXXX, XXXX XXXX Services, and XXXX XXXX XXXX. COMPLAINT : Upon the initial auto application, I had expressed verbally to the salesman that only 1 credit lender/loan pull highly desired. My Transunion credit score of XXXX  according to copy given to me ( attached ) by XXXX. of XXXX, ACTION : I had notified Transunion on XX/XX/year> via telephone of this issue and was told to contact each of the creditor ( above ) as well XXXX XXXX XXXX, Illinois. XXXX of the creditors above said XXXX XXXX XXXX, Illinois pulled the credit. There were no results with any and all four creditors. I relayed this unresolved issue to Transunion. On XX/XX/year>, I called Transunion for an update and was told to contact FTC and send them a copy of this complaint to them by mail.

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 2025-06-27 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Credit Report Hard Inquiries For Auto Loan : On XX/XX/year>, I gave XXXX XXXX XXXXXXXX XXXX consent to pull a credit report for car purchase purpose. On XX/XX/year>, checking my credit report revealed total of 4 hard credit inquiries. Only 1 hard pull should have been valid which is XXXXXXXX XXXX XXXXXXXX. The hard inquiries in question that should not be on my credit report are XXXX XXXX, Truist Dealer Services, and XXXX XXXX XXXX. COMPLAINT : Upon the initial auto application, I had expressed verbally to the salesman that only 1 credit lender/loan pull highly desired. My XXXX credit score of XXXX according to copy given to me ( attached ) by XXXXXXXX XXXX XXXX ACTION : I had notified XXXX on XX/XX/year> via telephone of this issue and was told to contact each of the creditor ( above ) as well XXXX XXXX XXXXXXXX XXXX Two of the creditors above said XXXX XXXX XXXXXXXX XXXX  pulled the credit. There were no results with any and all four creditors. I relayed this unresolved issue to Transunion. On XX/XX/year>, I called Transunion for an update and was told to contact FTC and send them a copy of this complaint to them by mail.

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 2025-06-27 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Credit Report Hard Inquiries For Auto Loan : On XX/XX/year>, I gave XXXX XXXX XXXX, Illinois consent to pull a credit report for car purchase purpose. On XX/XX/year>, checking my credit report revealed total of 4 hard credit inquiries. Only 1 hard pull should have been valid which is XXXX, of XXXX. The hard inquiries in question that should not be on my credit report are XXXX XXXX, XXXX XXXX Services, and TD Auto Finance. COMPLAINT : Upon the initial auto application, I had expressed verbally to the salesman that only 1 credit lender/loan pull highly desired. My XXXX credit score of XXXX according to copy given to me ( attached ) by XXXX. of XXXX, ACTION : I had notified Transunion on XX/XX/year> via telephone of this issue and was told to contact each of the creditor ( above ) as well XXXX XXXX XXXX, Illinois. Two of the creditors above said XXXX XXXX XXXX, Illinois pulled the credit. There were no results with any and all four creditors. I relayed this unresolved issue to XXXX. On XX/XX/year>, I called XXXX for an update and was told to contact FTC and send them a copy of this complaint to them by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account currently being reported under my credit profile. I have reviewed my records and found no evidence of this debt. I was never contacted regarding the original obligation nor given the opportunity to validate or resolve the matter prior to its placement with a debt collector.

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 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made XXXX separate orders with XXXX using their store card and twice the order got cancelled. I have reason to believe I have my account flagged for some reason and I want all XXXX remarks and or flags removed otherwise this card is useless since they keep cancelling my order. The date is today XX/XX/year>

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-27 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: OH

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or 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 results 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. ''

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 2025-06-27 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have XXXX XXXX  my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Trans Union XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX  XXXX, XXXX XXXX These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned  consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I financed a used XXXX XXXX XXXX with XXXX miles through XXXX XXXX XXXX for {$14000.00} at an excessive XXXX XXXX APR. I paid {$4000.00} down and over {$14000.00} in monthly payments. Due to major mechanical failures, I voluntarily returned the vehicle in late XXXX under a verbal agreement with a company representative that the remaining balance would be forgiven. 

The vehicle was sold at auction for {$6300.00}. Despite this, XXXX XXXX XXXX continues to report the account as XXXX and more than XXXX XXXX past due, with an inflated balance of {$6100.00}. This is not only factually inaccurate, but appears to be a deliberate attempt to damage my credit through false reporting. 

Under FCRA and Metro2 guidelines, any account over XXXX XXXX  past due must be charged off not reported as XXXX and continuing to accrue delinquency. XXXX XXXX XXXX has failed to provide verification of this reporting or documentation disproving the verbal agreement, in violation of their legal obligations. 

This type of inaccurate and harmful credit reporting raises serious concerns of FCRA noncompliance, unfair debt collection practices, and possible predatory lending behavior. I am demanding immediate correction of the reporting across all bureaus ( Experian, TransUnion, Equifax ), removal of all late payments, and closure or charge-off of the account. 

Failure to resolve this matter may result in escalation, including formal complaints to the FTC, state AG, and consideration of legal action under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
Hi I'm tryna figure out how i can Access an an old Cash App account that have some funds on it that were deposited on XX/XX/year> for {$600.00} and {$1400.00} that was deposited on XX/XX/year> by XXXX 've gave the Customer service Representative all the account information I have such as the Account Number, Routing Number, My Name, Social Security Number, $ Cashtag, Phone Number for the Account, and Email Address .. They told me I only had a couple choices which was me making a new account and Verifying it so they can see if they will be able to transfer that information from my new account to my old account to see if it'll let me gain access to the funds that way or just transferring funds from old account to new account neither worked.ive talk to XXXX in they told me too give them my social Security Number.. The Customer Service Representative even told me they see the cash .. im tryna figure out what is it to do bout this cause I even called XXXX and XXXX XXXX XXXX  and everyone keeps giving me the run around .. I also tried back in XXXX  before I went to XXXX although the automated system kept hanging up on me.. there also telling me it's because of Security Reasons but I don't understand if I have my Social Security Number.. I just was wondering how can I Access my funds with Cash App because there telling me they see it in the Account

Company response to consumer: Closed with explanation