vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: TX

Complaint narrative:
Netspend offering a XXXX $ sign up bonus for those that direct deposit XXXX $ or greater in the opening months. I completed the transaction on XX/XX/year> and have not received the bonus. I heard others not getting the bonus from this company and that they hold out. i have provided the bonus terms as well as my deposit on XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 






PLEASE SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES 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 XXXXXX/XX/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 2025-08-06 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: NJ

Complaint narrative:
I am formally disputing the reporting of an inaccurate address that appears on my credit file. This address is not affiliated with me in any wayI have never resided at, received mail at, or conducted any transactions from this location. Including this incorrect personal information creates a misleading and potentially harmful credit profile. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this inaccurate address. If the address can not be verified as directly and lawfully connected to me, it must be corrected or permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
I am formally disputing the reporting of an inaccurate address that appears on my credit file. This address is not affiliated with me in any wayI have never resided at, received mail at, or conducted any transactions from this location. Including this incorrect personal information creates a misleading and potentially harmful credit profile. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this inaccurate address. If the address can not be verified as directly and lawfully connected to me, it must be corrected or permanently removed from my credit report.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a military spouse protected under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043. I am filing this complaint under my federal rights to dispute, correct, and remove inaccurate or damaging credit information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

On or around XX/XX/year>, I was denied housing due to the presence of a fraud alert or freeze that I did not authorize or initiate. This alert is negatively impacting my ability to obtain safe, affordable housing and constitutes a barrier to basic needs. 

In addition, several derogatory remarks, late payments, and collections have been reported across my credit profiles, primarily due to financial disruptions caused by my spouses active-duty service. This includes relocations, job transitions, and time-sensitive gaps that are protected under SCRA, the Equal Credit Opportunity Act ( ECOA ), and CFPB guidelines. 

Under the FCRA ( 15 U.S.C. 1681i ), I am formally requesting : XXXX. Immediate removal of the unauthorized fraud alert/security freeze across all major bureaus. 
XXXX. Deletion or correction of all negative tradelines and derogatory remarks stemming from military-related financial hardship or error. 
XXXX Review of compliance by each credit bureau and any creditor who has failed to follow proper procedure under FCRA 623 regarding dispute handling, accuracy, and prompt correction. 
XXXX. Application of the reasonable investigation requirement as mandated by FCRA, including documented proof from furnishers if they refuse to delete these items. 

Furthermore, under FDCPA 809 ( b ), I demand full validation for any debt being reported. If the original creditor can not validate the debt, it must be removed immediately. 

As a military family, I also request this complaint be escalated through all proper CFPB channels and that all credit bureaus be held accountable for violations or mishandling that disproportionately affect servicemembers and their families. I reserve the right to escalate this matter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and, if necessary, pursue legal remedies.

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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sezzle Inc.
State: MN

Complaint narrative:
To Whom It May Concern, RE : Inaccurate Reporting of Charge-Off Request for Immediate Correction and 1099-C I am writing regarding an account reported by XXXX XXXX XXXX as a charge-off on my credit report. This account has been reporting as charged off for several months, yet I have not received a Form 1099-C as required under IRS regulations when a debt is canceled or forgiven.

This continued reporting without the proper issuance of a 1099-C is inaccurate, misleading, and potentially fraudulent. I am formally requesting that you provide a copy of the 1099-C associated with this debt if it has, in fact, been canceled. If no such cancellation has occurred, the charge-off status should be corrected or removed immediately from my credit report.

Failure to address this matter promptly may result in legal action for statutory damages under the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws. This is your formal notice to investigate and correct this reporting error.

I demand that this matter be resolved within 15 business days from the date of this letter. Please provide confirmation in writing of the action taken.

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am submitting this complaint because the credit bureaus have failed to conduct an adequate investigation into the disputes I submitted regarding inaccurate and negative entries on my credit report. These unresolved reporting errors have damaged my credit score and limited my access to essential credit opportunities, causing considerable XXXX  and financial difficulty.

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 2025-08-06 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:
I am submitting this complaint because the credit bureaus have failed to conduct an adequate investigation into the disputes I submitted regarding inaccurate and negative entries on my credit report. These unresolved reporting errors have damaged my credit score and limited my access to essential credit opportunities, causing considerable XXXX  and financial difficulty.

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 2025-08-06 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: FL

Complaint narrative:
XX/XX/2025 Subject : Formal Dispute of Inaccurate Reporting XXXX  Card Account To Whom It May Concern, I am writing to dispute the accuracy of information being reported on my credit file concerning a XXXX Card account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account is listed as charged off with a balance of {$860.00}. However, I believe the reporting contains incorrect and potentially outdated information. 
Specific concerns : - The balance may no longer be valid- The charge-off status and payment history may be inaccurate - No updated verification or account validation has been provided In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting that the credit bureaus reinvestigate this account.

Please complete the following : 1. Verify all reported information with the creditor 2. Remove or correct any inaccuracies, unverifiable items, or outdated entries 3. Delete account from credit report XXXX. Send me a written response with the results of the reinvestigation Included with this letter are : - A copy of my government-issued ID - Proof of current address - A copy of the credit report with the XXXX Card item highlightedThank you for your assistance in correcting this matter. 
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 2025-08-06 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: OR

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated :

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 2025-08-06 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: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I am submitting this complaint because the credit bureaus have failed to properly investigate the disputes I filed concerning inaccurate and negative information on my credit report. These reporting errors have negatively impacted my credit score and restricted my access to credit, causing significant emotional and financial strain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-08-06 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: FL

Complaint narrative:
I am writing to formally dispute the account listed below, which continues to appear on my credit report despite your previous investigation : XXXXXXXX XXXX  Account Number : XXXX.... 

I strongly disagree with the reporting of this account and request that it be immediately re-investigated. The inaccuracies associated with this listing are highly injurious to my credit score.

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), I request that you provide the names and business addresses of each individual with whom you verified the above information so that I may follow up directly.

Upon completion of this reinvestigation, please send me an updated copy of my credit report reflecting your findings.

Thank you for your immediate attention to this matter.

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 2025-08-06 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: DC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of the following account that has been reported on my credit file : Creditor Name : XXXX  XXXX bank Account Number ( partial ) : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed Current Balance : {$1000.00} I did not open or authorize this account and believe it to be the result of identity theft or fraudulent activity. On multiple occasions, I attempted to contact the company that reported this account to request full information and documentation. They have failed to respond or provide any verification. 
Under the Fair Credit Reporting Act ( FCRA ), any information that can not be verified must be removed from my credit report. Because no response or validation has been provided, I am requesting that this fraudulent account be immediately deleted from all records held by your bureau. 

Please confirm in writing that the investigation has been completed and that this account has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief