vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
Account show up on my credit report without any notification. I am requesting an itemize bill of the services render or for this item to be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. 
As you are aware, Equifax experienced a significant data breach in 2017, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes. 
I have already submitted disputes regarding these inaccuracies, yet they remain unresolved. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes in a timely manner and correct any inaccuracies. The continued reporting of incorrect information, in light of the data breach, raises concerns about the accuracy and integrity of my credit report. 
I respectfully request that you : Immediately investigate these disputed items. Please conduct a thorough investigation of the accuracy of the information and correct any inaccuracies within the statutory 30-day period. 
Provide an update or resolution. Notify me of your findings and the actions taken to correct the inaccuracies. 
Remove any unverifiable or incorrect information. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report entirely. 
Additionally, please send me a written confirmation once the necessary corrections have been made, including an updated copy of my credit report reflecting the changes. 
I trust that you will act swiftly and in compliance with all applicable laws and regulations to resolve this matter. 
Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: IL

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 2025-10-22 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute ChargeOff / Collection Verification under 15 U.S.C. 1681i ( FCRA ) Dear Credit Bureau Representative, I am disputing the accuracy and completeness of the chargeoff and collection entries listed below in my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of each disputed item and delete or correct any information that can not be verified as accurate. 
Please investigate and verify the following items : XXXX XXXX Bank Acct # XXXX Reported as collection/chargeoff ; verify ownership, balance, and date of first delinquency. 
XXXX Acct # XXXX Reported as collection ; verify assignment and account accuracy. 
XXXX XXXX XXXX Acct # XXXX Reported as collection/chargeoff ; verify validation and original creditor details. 
XXXX Acct # XXXX Reported as collection ; verify consumer authorization and delinquency date. 
Requested verification for each item includes : ( 1 ) the complete chain of ownership/assignment, including the current furnisher ; ( 2 ) the date of first delinquency used to determine obsolescence ; ( 3 ) the current balance, status, and payment history ; and ( 4 ) the identifying documents relied upon to verify that I am the correct consumer. If any furnisher can not substantiate the data you are reporting, the item must be deleted pursuant to 1681i ( a ) ( 5 ) ( A ).

Please also provide the method of verification as permitted under 1681i ( a ) ( 6 ) ( B ) ( iii ).

Enclosed are copies of my government ID, Social Security card, and a recent utility bill to verify my identity and address. Upon completion, please send me written results of your reinvestigation and an updated credit report reflecting any corrections. 
Thank you for your prompt attention. 
Sincerely, 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 2025-10-22 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX CARD Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$220.00} Account name XXXX CREDIT MANAGEMEN Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$1200.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$970.00} Account name XXXX CREDIT MANAGEMEN Account number XXXX Account type Medical Date opened XX/XX/XXXX Balance {$960.00} Account name XXXX XXXX SERVICES Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I was charged a late fee for being a day late on payment. I reached out to the company and let them know my situation and they basically showed no concern and offered no help. I felt like I was disrespected and should have been treated a whole lot better.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OR

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused me significant emotional strain and mental fatigue. Ive attached all supporting documents and request its immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$830.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that reflects only accurate information. I am formally requesting that these items be investigated, and if they can not be confirmed as correct, they must be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
THIS IS A MISREPORTED HARD INQUIRY THAT REQUIRES IMMEDIATE ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-10-22 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:
After reviewing my credit reports from all three major credit bureaus, I discovered that XXXX XXXX XXXX is reporting late payments and delinquencies on an account that is no longer my responsibility. This account was transferred and assumed by another party, yet it continues to appear on my credit report as past due and delinquent. The company has failed to provide any proof of ownership, signed agreement, or validation of the alleged past-due balance. This inaccurate reporting has caused unnecessary harm to my credit standing and violates the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to the bureaus be accurate, complete, and verifiable. In addition, several hard inquiriesspecifically from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXappear on my report even though I never authorized or consented to any of these credit checks. These inquiries were made without a permissible purpose and represent unauthorized access to my personal credit file. Despite previous attempts to have these items validated or corrected, the companies have failed to provide any supporting documentation or remove the inaccurate 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 2025-10-22 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: TX

Complaint narrative:
After reviewing my credit reports from all three major credit bureaus, I discovered that XXXX XXXX XXXX is reporting late payments and delinquencies on an account that is no longer my responsibility. This account was transferred and assumed by another party, yet it continues to appear on my credit report as past due and delinquent. The company has failed to provide any proof of ownership, signed agreement, or validation of the alleged past-due balance. This inaccurate reporting has caused unnecessary harm to my credit standing and violates the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to the bureaus be accurate, complete, and verifiable. In addition, several hard inquiriesspecifically from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXappear on my report even though I never authorized or consented to any of these credit checks. These inquiries were made without a permissible purpose and represent unauthorized access to my personal credit file. Despite previous attempts to have these items validated or corrected, the companies have failed to provide any supporting documentation or remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been challenging these false and fraudulent accounts, thus I am asking that this account from XXXX be deleted. In my previous disagreement, I also included an FTC attachment. This is my last attempt to dispute this account, and I will then make a lawsuit against your company in civil court in my home state of Georgia. I'm requesting that this account be deleted and that an investigation be conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been challenging these false and fraudulent accounts, thus I am asking that this account from XXXX be deleted. In my previous disagreement, I also included an FTC attachment. This is my last attempt to dispute this account, and I will then make a lawsuit against your company in civil court in my home state of Georgia. I'm requesting that this account be deleted and that an investigation be conducted.

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 2025-10-22 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: CO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date fraud began:XXXX Total fraudulent amount : {$1500.00} XXXX XXXX XXXX Account Number:XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$5900.00} Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$6000.00}

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 explanation
Consumer complaint received 2025-10-22 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: CO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date fraud began:XXXX Total fraudulent amount : {$1500.00} XXXX XXXX XXXX Account Number:XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$5900.00} Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Total fraudulent amount : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
Good Morning i used my Cash app debit card to make a {$200.00} withdraw from a 3rd party ATM/ XXXX  ATM. The ATM glitched and gave an error code and did not dispense my cash but charged my account {$200.00}. I contacted the ATM company but was told i had to file a dispute with the bank so i contacted Cash app support and filed a dispute. Cash app denied the dispute with the reason being i authorized the charge. So i contacted the ATm company again and was told they never was reached out to by cash app support for supporting documentation. I was also told that there was a specific form or dispute that should have been done by cash app support. I also reached out to cash app to speak with a Manager and was not able to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that reflects only accurate information. I am formally requesting that these items be investigated, and if they can not be confirmed as correct, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief