vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Dear TransUnion, I am writing to dispute the inaccuracies present on my credit report, and I request your assistance in investigating the following accounts under the guidelines of the Fair Credit Reporting Act. 

Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Please verify and correct the reported charged-off status of this account. 

Late Payments XXXX Account Number : XXXX Please investigate the reported late payment history and adjust if necessary. 

XXXX Account Number : XXXX Kindly verify and correct the payment history to reflect accurate information. 

XXXX XXXX Account Number : XXXX Please review and correct the payment history for accuracy.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Beginning in XXXX through XXXX, several bank accounts and inquiries were created or attempted without my authorization. Activity occurred across multiple financial institutions, including new account openings, account closures, negative balances, and account restrictions that I did not initiate or consent to. 

During this period, I experienced coercion, loss of control over my personal information, and unauthorized use of my identity, which resulted in several accounts reflecting adverse statuses such as Post No Debits, Closed, and negative balance postings. For example, an account repeatedly showed a negative balance of ( {$470.00} ) for an extended period without any activity made by me. 

In addition, from XXXX to XXXX, multiple inquiries were made across different banks on dates such as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, none of which were authorized by me. These inquiries were connected to attempts to open accounts or verify identity without my involvement. 

I did not open or manage these accounts, did not authorize these transactions, and did not approve any of the inquiries. The activity occurred during a time when my identity and personal information were misused, leading to inaccurate and harmful reporting. 

As a result, negative account statuses, unauthorized inquiries, and adverse balances appear on my file, all stemming from identity misuse and circumstances outside my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
I am disputing the accuracy of the following charged-off accounts and inquiries reported by Experian. These entries may be incorrect or incomplete, and I am requesting that they be investigated and corrected as per the FCRA. 

CHARGED OFF ACCOUNTS DPT EDXXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$0.00} INQUIRIES [ No inquiries listed for Experian ] LATE PAYMENT 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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have sent the credit bureaus my human trafficking and identity theft information several time under " THE DEBT BONDAGE ACT '' to no avail. According to the bondage Act It is important to note that information included on credit reports is gathered from original sources known as information furnishers, such as banks, credit card companies, or debt collection agencies. Through this new process, consumer reporting agencies remove the information from the credit reports they create but do not contact the furnishers of the information about the block, in the interest of survivor privacy and security. This means that the furnishers may continue to disseminate the blocked information in the future. Consumer reporting agencies may maintain an internal record of the blocked information in order to prevent the same information from being inadvertently reinserted into the report later. 

Experian and Equifax keep sending me generic letters via email stating that my documents aren't sufficient and they refuse to remove and block the accounts. I have submitted the documents several times and they keep refusing which is a violation of my consumer rights as a trafficking victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX What Happened A XXXX XXXX collection account ( Account No. XXXX ) is being reported inaccurately on my credit reports. The account shows as a collection/charge-off with an unpaid balance of {$420.00}, opened XX/XX/XXXX, and last activity reported XX/XX/XXXX. 

I have been contacted by multiple collectors regarding this same alleged XXXX debt, yet none have provided the legally required validation. XXXX typically assigns, not sells, accounts, which raises concerns about inaccurate reporting and improper collection attempts. 

I requested validation under 15 U.S.C. 1692g ( b ), but I did not receive : The original XXXX XXXX XXXX contract Itemized billing statements Proof of charge-off Proof of assignment, transfer, or sale A complete chain of custody Proof the collector has legal authority to collect or report this account Despite my written request to cease communication, I continued receiving calls, violating 15 U.S.C. 1692c ( c ).

The reporting also violates the Fair Credit Reporting Act : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 failure to verify before continuing to report Because XXXX and any collector involved can not validate or prove ownership, the account is inaccurate, incomplete, and unverifiable, and it is causing ongoing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: KY

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
NOTICE : FILE NOT FOUND REQUEST FOR MANUAL FILE REINVESTIGATION Re : FCRA 609 ( a ) file disclosure failure & 1681i reinvestigation request To Whom It May Concern : Your system states that no file could be located for me. This is incorrect. I have active and historical credit accounts, which means a consumer file must exist under FCRA 603 ( g ).

I am requesting a full manual reinvestigation and disclosure of my complete Equifax file per FCRA 609 ( a ) ( 1 ) and correction of any identity mismatch.

I am also submitting correction requests for my personal information : Add : XXXX XXXX XXXX XXXX XXXX XXXX Remove all outdated prior addresses and employers Once my file is properly located, please send me a full consumer file disclosure and update any inaccurate identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
since XX/XX/year>, I have attempted several times via phone and 3 letters requesting information regarding my loan. The company has failed to provide a complete respond as of today XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I paid a process server a total of {$200.00}, XXXX XXXX XXXX XXXX, XXXX, to serve my tenants. I was never given an affidavit as proof of service, and services were never completed. I brought this issue to cashapp, they only requested a refund which XXXX denied. Cashapp did not conduct a proper merchant dispute investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

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 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 2025-11-21 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: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
I am filing this complaint because there is an auto loan appearing on my credit report that does not belong to me. This account belongs to my father, who has the same name as me. I have never applied for, financed, used, owned, authorized, or cosigned for this vehicle or loan. 

I have contacted the credit bureaus and the furnisher and notified them that this is not my account. Despite doing so, the account continues to be reported under my profile. This is a mixed file issue and is causing negative and inaccurate reporting on my credit file. 

Under the Fair Credit Reporting Act, specifically : Section 602 ( A ) which requires maximum possible accuracy Section 611 regarding consumer dispute rights Section 623 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information they know is inaccurate I am requesting that the CFPB assist in removing this incorrect reporting from my file. I am not legally responsible for this auto loan and should not be associated with it in any way. 

Account numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 dispute the following inaccuracies on my Equifax credit report. These items are either incorrect or unauthorized, and I request that they be investigated and corrected. Below are the details of the disputed accounts : Charged Off Accounts : XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} Dispute Reason : The balance and status of this account are incorrect. I request a full investigation to verify the account 's reporting and update or remove it if found inaccurate. 

Inquiries : XXXX, XXXX Date : XX/XX/XXXX Dispute Reason : I do not recognize this inquiry and believe it to be unauthorized. Please verify if this inquiry was made with my consent. 

Late Payments : XXXX XXXX, Account No : XXXX Dispute Reason : I believe the late payment reported on this account is inaccurate. Please verify the payment history and remove any inaccuracies. 

XXXX, Account No : XXXX Dispute Reason : This account is reporting a late payment inaccurately. I request a review of the payment history and correction if necessary

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
My personal information was exposed in the XXXX XXXX data breach. As a result, unauthorized and fraudulent accounts/collections appeared on my credit report. I did not open or authorize these accounts. This is causing serious harm to my credit score I have disputed the accounts and requested validation, but the credit bureaus and furnishers continue reporting inaccurate information. This is harming my credit score and preventing me from being approved for credit. I am a victim of identity theft, and I need this corrected immediately.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, a payment I submitted on XX/XX/XXXX was returned, even though my account had sufficient funds. This payment was returned on XX/XX/XXXX, the same day my paycheck was deposited. On XX/XX/XXXX, my paycheck had been rejected, but it was still deposited on XX/XX/XXXX despite my account being restricted. I had been informed that any deposits would be returned. 

On XX/XX/XXXX, Chase sent me an email claiming I had chosen to stop sharing my data, which I had not. On XX/XX/XXXX and XXXX, Chase sent emails instructing me to read letters in my Chase app. I can not access these letters because my account has been blocked since XX/XX/XXXX. I also received a photocopy of a check that I did not deposit. 

As a result, I have been unable to access my funds, pay bills, or monitor my account, causing significant financial stress and disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian does not have the ability to talk to a live agent with his disgusting and ridiculous. And its also impossible to do a dispute for their website. Ive tried it forever, and I constantly get an error message at the end of taking all my time and effort into creating a dispute only to get a stupid error message at the end every single time. My bankruptcy XXXX  XXXX from XX/XX/XXXX of XXXX  is officially over and closed and completed and I want Experian to reflect that on their report instead of me having to write them and send them in XXXX XXXX documents and utility bills and all this other garbage I would like them to do that now through CFPB to save me the hassle of going through all that nonsense because their website is not working correctly and never has work correctly. Its impossible to viral a dispute through Experian on their website. Ive tried. Its always an error message. My bankruptcy chapter XXXX as of XX/XX/XXXX has been closed and completed. My attorney informed me that the judge has released the discharge paperwork and its in the mail. In the meantime you could use the attachment I will include from XXXX which is the trustees website. LOOK AT THE ATTACHMENT YOULL SEE PROOF THAT MY CASE IS OVER AND THAT IT IS CLOSED AND COMPLETED AS OF XX/XX/XXXX. I AM JUST WAITING ON THE OFFICIAL DISCHARGE PAPER, BUT IN THE MEANTIME, IVE INCLUDED THAT ATTACHMENT FROM THE TRUSTEES WEBSITE FOR PROOF OF CLOSURE PLEASE REFLECT THAT ON YOUR EXPERIAN CREDIT REPORT AND FOR XXXX SAKES FIX YOUR XXXX WEBSITE SO I COULD ACTUALLY DO A DISPUTE THROUGH YOUR WEBSITE. IVE TRIED MULTIPLE TIMES OVER THE COURSE OF TIME. IT ALWAYS COMES UP WITH AN ERROR MESSAGE AFTER ALL THAT HARD WORK OF CREATING THE DISPUTE ONLY TO GET TO SUBMIT IT AND A STUPID ERROR MESSAGE POPS UP PLEASE GET A GRIP ON YOUR COMPANY AND GET YOUR TECHNICIANS TO FIX THAT PLEASE. IN THE MEANTIME, PLEASE SEE MY ATTACHMENT OF PROOF THAT MY BANKRUPTCY XXXX  XXXX IS OVER AND CLOSED AND COMPLETED AS XX/XX/XXXX. HOPEFULLY YOU CAN UTILIZE THAT TO CLOSE IT ON YOUR REPORT EVEN WITHOUT MY ACTUAL DISCHARGE PAPER WHICH IS COMING IN THE MAIL ANYWAY IN THE NEXT WEEK OR 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( XXXX ), XXXX  ( XXXX ), and XXXX ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2200.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$42000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$13000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$17000.00} XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$41000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am submitting this complaint because Equifax is reporting information on my credit file that I believe is inaccurate or unverified. I have disputed these items with Equifax, but they remain without proper documentation or validation. 

CHARGED-OFF / COLLECTION ACCOUNTS CREDENCE RESOURCE MANAGEMENT Acct : XXXX Reported XX/XX/XXXX Balance : XXXX This account appears incorrect and Equifax has not provided verification confirming the accuracy of the balance or ownership. 

ONLINE IN SV Acct : XXXX Reported XX/XX/XXXX Balance : XXXX I do not recognize this account and Equifax has not supplied proof validating the reporting. 

There are no inquiries or late payments currently in dispute with Equifax. 

I request that Equifax provide full validation of these accounts or remove them if they can not be verified in compliance with the FCRA.

Company response to consumer: Closed with explanation