vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
My Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital tole and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Account Name : XXXX XXXX XXXX  Account Number : XXXX The 3 Bureau that these payments were late on different days. I spoke with the bank and fixing but fallowing reporting that I was late. I demand these payments be updated to on time as they should be as I was NEVER late.

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 2025-07-26 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Possible, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX  is reporting incorrect information on my credit report in error. Stating that XX/XX/year> was the date this was reported. That is an error coming from XXXX. This is a clear error and I want it deleted from my report. This is not accurate! For XXXX dollars inaccurate Also XXXX XXXX  is also stating to be the original creditor of debt and I never had an agreement with XXXX XXXX. That is inaccurate reporting and they possibly purchased allegiant debt and it's not accurate there is two different balances one balance for XXXX and XXXX both inaccurate and I want deleted from my report for reporting negatively and false narrative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My Cash App account was hacked, and nearly all of my funds were stolen only {$70.00} was left. The stolen money was sent out of my account through a XXXX transaction that I did not authorize, approve, or initiate. 

Transactions happened XX/XX/year>, from XXXX to XXXX. 

I contacted Cash App immediately to report the fraudulent activity and requested an investigation and reversal of the transaction. However, they have not provided a timely or satisfactory response. This has caused significant financial distress, and I am unable to recover the funds on my own. 

I am requesting the XXXX  help in holding Cash App accountable and recovering my stolen funds. 

In my account, there was {$500.00}. {$70.00} was left.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
RE : Complaint Against TransUnion for Failure to Remove Inaccurate and Legally Disputed Accounts I am filing this formal complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. 
Despite multiple dispute attempts and formal written notices, TransUnion continues to report numerous inaccurate and unverifiable accounts on my credit file. This includes, but is not limited to : - XXXX XXXX XXXX XXXX XXXXXXXX - Charged-off with no signed agreement or verification - XXXX  - Reported as repossessed without proof of deficiency balance or repossession notice - XXXX XXXX  XXXX XXXX Account marked as resolved but continues to show with negative status - XXXX XXXX XXXX XXXX XXXX XXXXXXXX in litigation since XX/XX/year> yet still appears as a charge-off on my credit file. Account also reported as sold and not updated properly - XXXX XXXX - Charged-off with no supporting documentation - XXXX XXXX XXXX - Actively in litigation since XX/XX/year> yet still appears as a charge-off on my credit file.

Under FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), the bureau is required to ensure maximum accuracy and conduct proper investigations. They have failed to do so. 
Furthermore, the continued reporting of the XXXX  account during active litigation may represent willful noncompliance and defamation under FCRA 623 and 1681n. 
I am requesting immediate enforcement action, investigation into this credit bureau 's practices, and permanent deletion of the aforementioned derogatory accounts. 
Sincerely,

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 2025-07-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am disputing negative accounts reporting on my credit file : Aldous and Associates is reporting a debt opened on XX/XX/year> for {$320.00}. 
This debt is over XXXX years old and XXXX be past the statute of limitations in my state. It continues to be reported without recent updates or validation. I submitted a dispute but have not received documentation or correction. 



I am requesting that both accounts be removed or fully verified, with documentation provided. These negative entries are damaging my credit, and I believe they are being reported inaccurately or in violation of federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 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: MS

Complaint narrative:
Under law 15USC1681A4 I request for the immediate removal of an outdated bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c ( a ) ( 1 ) and 15 U.S. Code 1681a ( t ).

The bankruptcy in question was filed on October 2009 and is now beyond the maximum allowed reporting period of [ 7 or 10 ] years. Under federal law, adverse information such as bankruptcies must not be reported beyond the permissible time frame.

Please investigate and delete this outdated bankruptcy

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 2025-07-26 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: IL

Complaint narrative:
Please assist me in initiating an investigation regarding these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within the next 15 days. I have attached all necessary documentation for your review. Additionally, the data reported for these accounts is inconsistent across the three credit bureaus and contains several discrepancies.

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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I am filing this complaint against IC Systems for reporting inaccurate information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 

IC Systems is furnishing information to one or more of the credit bureaus that includes a collection account associated with my name.

This inaccurate reporting has damaged my credit profile and resulted in denials for credit, housing, and other essential services. I have suffered financial harm and emotional distress due to the negligence and inaccuracy of IC Systems. 

I request that the Consumer Financial Protection Bureau investigate this issue and ensure IC Systems conducts a full and lawful reinvestigation to validate the trade line, provide me with copies of agreements, balance breakdown including fees.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
At XXXXXX/XX/XXXXon Sunday XX/XX/XXXX, I went to the Bank of America bank in XXXX XXXX  on XXXX XXXX. I attempted to withdrawl the amount of {$10.00}, but the machine failed to dispense the money. However, that amount was still deducted from my account. Bank of America has failed to respond or do anything to resolve this. This the second time this incident has happened and it is absolutely unacceptable. Bank of America needs to be harshly punished for their mistreatment of their consumers. i would happily give up that {$10.00} to see bank of america hit with a huge fine. Instead I'll only get the {$10.00} back WITHOUT INTEREST. If i ovedrafted, Im penalized -- yet the bank can do this without consequence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to request the removal of the charge-off entry listed on my credit report for the account referenced above. I acknowledge my past financial difficulties that led to this situation, but I am now committed to resolving any outstanding issues and improving my credit.

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 2025-07-26 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: AL

Complaint narrative:
I am writing to request the removal of the charge-off entry listed on my credit report for the account referenced above. I acknowledge my past financial difficulties that led to this situation, but I am now committed to resolving any outstanding issues and improving my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccurate and misleading reporting of a closed XXXX XXXX account listed on my Experian credit report. The account was opened in XX/XX/XXXX and charged off, but I never made any payments on this account after it became delinquent. Despite this, Experian is reporting a " Date Last Active '' of XX/XX/XXXX which is inaccurate since I did not make any payments or activity on the account after the original delinquency.

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), as it may be an attempt to re-age the account to extend the reporting period. The balance is listed as {$1100.00} with charge-offs being reported repeatedly, but no clear indication of whether the debt was sold, assigned, or resolved.

I previously disputed the account and it is still being reported with inaccurate information. I am requesting that the credit bureau conduct a proper reinvestigation, verify the correct Date of First Delinquency, and correct or remove the account from my report if they can not validate the information.

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 2025-07-26 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: PA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my TransUnion and on my Experian credit report. After carefully reviewing my report, I noticed an inquiry for each bureau from the creditor that I did not authorize.

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 2025-07-26 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15U.S.C. 1681 ). I believe that companies and third party company 's accessed or reported information to credit reporting agencies without my consent or permissible purpose ( 1681b ).

This led to inaccurate and negative entries on my credit report. When I applied for a car loan on my application was denied ( or I was offered significantly less favorable terms ). This constitutes an adverse action under 1681a ( k ).

I timely disputed the entry via ALL CRA 's dispute process under 1681i, but the information was neither corrected nor removed within 30 days. I was not informed if the furnisher certified the accuracy of the disputed item.

As a result, I have suffered actual harm : denial of credit, increased cost of borrowing, and damage to my credit score. I respectfully request CFPB to investigate and direct appropriate remedial actions, including removal of the erroneous entries and enforcement of FCRA 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