vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - 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  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-07-09 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: MI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - 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  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
, I am filing a complaint against Cash App ( Square , Inc. ) regarding their complete lack of support and failure to respond to my fraud dispute. 

On XX/XX/year>, a fraudulent transaction occurred through my Cash App account. I filed a case through their in-app support system and provided all available details and documentation regarding the transaction. However, to this day, I have not received any response, update, or resolution.

Their app is also not functioning properly. I have tried to contact support multiple times through the app, but the messages either go unanswered or the app glitches. There is no accessible phone number, and they have not followed up by email despite me providing all contact information. I am left in the dark about a serious financial issue with no human contact or accountability.

This has not only caused financial damage ( {$1500.00} ) but also deep emotional stress. Ive been stuck between Cash App and XXXX XXXX, both of which are denying responsibility while Im left with a major loss.

I believe Cash App has failed to meet basic customer service standards and has neglected its obligation to investigate or even acknowledge legitimate fraud cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
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  Dear XXXX XXXX, I am writing to express my deep frustration and disappointment regarding a recent experience that has not only damaged my credit but also shaken my trust in your institution. 
I am a XXXX XXXX XXXX customer who has spent decades maintaining excellent credit. Ive paid my bills, lived within my means, and always honored my financial obligations. Thats why I was stunned to discover that your bank reported me and my wife to the credit bureaus for a {$0.00} maintenance fee charge - a charge we were never even made aware of - resulting in a derogatory mark on our credit report. 
XXXX, an associate with Fifth Thirds escalation department, determined your organization did nothing wrong and she could not help. This credit line was for emergencies only, we used it one time, all this damage over your maintenance fee. Please review our credit score when we first received our Equity line in XXXX, it was XXXX, a perfect number. It is now XXXX XXXX XXXX. Thats all it took for your system, which clearly values automation over judgement and metrics over people to inflict lasting on harm on our credit history. There was no courtesy call, no alert no waring, just a blind report to the credit bureaus over a few coins, less than the cost of a postage stamp.

This action not only disrespects loyal customers, but it exposes a dangerous flaw in your policies. An institution with your resources should never destroy someones financial reputation over a debt smaller than a gum ball.

Let me be clear, this wasnt about the money, its about dignity, common sense and the shocking absence of human decency in how your bank treats people- especially older customers who trust you with their live savings.

If your goal is to alienate responsible customers, damage reputations and gain attention for the wrong reasons, congratulations. Youve succeeded. I will be sharing our story publicly and contacting both my local elected representatives and customer advocacy groups to highlight how a major financial institution like your chooses profit over principle.

I expect an immediate investigation into this incident, the removal of the negative mark from my credit report and a formal written apology. Anything less will only confirm what this experience suggests : that your bank has lost sight of the people behind the account numberers.

PLEASE FIX THIS FOR US. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Equifax requesting an investigation into inaccurate information on my credit report. To support my request and verify my identity, I enclosed all necessary documentation : a copy of my government-issued photo ID, social security card , and a recent bank statement reflecting my current address.

In my dispute, I provided specific, detailed instructions requesting transparency in the verification process. I asked Equifax to disclose the following information : - The method used to verify the disputed item.

- The date Equifax contacted the creditor and furnisher.

- Contact information for both the creditor and the furnisher.

- The name of the individual who verified the item.

- The communication method used ( e.g., phone, email, mail ).

- Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process.

Despite providing a valid and well-documented request, Equifax has failed to issue any response or resolution, and over 30 days have now passed.

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a reasonable investigation and provide the consumer with the results of that investigation within 30 days. Their complete failure to respond constitutes a clear violation of federal law and a denial of my rights as a consumer.

This inaction is obstructing my ability to correct potentially harmful errors on my credit report and is causing continued and unnecessary damage to my financial standing.

I am attaching a copy of the dispute letter I originally sent to Equifax as supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
They repossessed my vehicle without first providing me with a required notice of default or right to cure, violating my states consumer protection laws. After repossession I was never given a notice of sale or a deficiency balance notice which is required under UCC 9-611 and 9-614.

This failure deprived me of my rights to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation violating the fair credit reporting act ( 15 U.S. code 1681s-2 ) I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-07-09 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 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: TN

Complaint narrative:
I am filing this complaint due to several unauthorized credit inquiries that continue to appear on my XXXX  credit report. These inquiries were previously disputed directly with the credit bureaus. I specifically requested verification documents or proof that I granted permission for these entities to access my credit file, but no documentation has been provided to date. Despite my formal disputes, the credit bureaus failed to conduct a proper investigation or remove the inquiries. 

The specific unauthorized inquiries I am disputing are clearly listed in the attached letter included with this complaint : XXXX XXXX XXXX XXXX XXXX XXXX 

I am escalating this issue to the CFPB because I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking fair resolution and proper enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv funding reporting twice on credit as just energy for the exact amount purchase unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
I am writing to formally demand that you immediately cease and desist all collection activities and/or credit reporting related to the account listed below : Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX Amount in Dispute : {$700.00} I dispute the validity of this account and request that no further attempts to collect this alleged debt be made. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you cease further communication with me. Additionally, if this account is being reported to any credit bureau, I demand that you investigate its accuracy and, if it can not be fully verified, remove it from all credit reporting databases.

Please provide written confirmation that : 1. All collection activities have ceased.

2. The account is no longer being reported, or that a dispute notation has been added to any reports.

3. If you believe this debt is valid, provide full validation including the original contract or proof of debt ownership.

If you continue to contact me regarding this matter or fail to comply with the obligations outlined in the FDCPA and the Fair Credit Reporting Act ( FCRA ), I will not hesitate to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursuing legal remedies.

This letter serves as a formal record of my dispute and demand. Please govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation