vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the publication and maintenance of inaccurate, incomplete, and unverifiable information within my credit reports by TransUnion, Experian, and Equifax. 

During my recent review of my credit history, I identified several accounts and inquiries that show reporting errors, inconsistent dates, incorrect balances, and creditors that can not be verified according to federal legal standards. 

I am submitting this complaint directly through the CFPB so that the XXXX can notify the credit bureaus and initiate a formal investigation under FCRA 609, 611, and 623, requiring them to verify or delete all disputed information. 

As of today, I have not yet received any proof or documentation that supports the accuracy or legitimacy of the following items reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX and 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 ( Installment Sales Contract ) Additionally, my reports show unauthorized credit inquiries from XXXX XXXX, XXXX, XXXX, and XXXX, which appear to violate FCRA 604 ( a ) due to the lack of a permissible purpose. 

These inaccuracies have directly harmed my credit score, my reputation, and my ability to access fair credit opportunities.

Violaciones legales identificadas

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 2025-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Specifically : XXXX. XXXX card services, the original furnisher, confirmed in writing that the alleged account has been deleted and is not a valid debt. 
XXXX. This deletion was communicated to all consumer reporting agencies, including TransUnion, under their duty to update data pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ), which requires furnishers to delete or modify information found to be inaccurate or unverifiable. 
XXXX. Despite this, TransUnion continues to report the deleted opensky account, thereby publishing false, inaccurate, and outdated information about Claimant. 
XXXX. This constitutes a violation of 15 U.S.C. 1681i ( a ) ( failure to reinvestigate and correct inaccurate data ) and 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ). 
XXXX. XXXX continued reporting of a deleted account demonstrates willful noncompliance under 15 U.S.C. 1681n, as it has ignored its statutory obligation to promptly update and delete inaccurate data. 

As a result, Claimant has suffered credit denials, emotional distress, and reputational injury due to XXXX negligence and willful disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am requesting that all incorrect details and negative items be removed from my credit report. Although I have sent several letters to your mailing address, the inaccurate information is still being reported.

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 2025-11-03 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I have XXXX cash app cards mine, and o e for each of my children. My daughter forgot her pin for her card so I called cash app to change her pin. They told me they could not change the pin and that I would have to close her account and open a new which i did with them on the phone. After account was closed they tell me they can not transfer the funds from her old account to the new account. That was about XXXX weeks ago and Ive been going back and forth through email with a supposedly supervisor and getting nowhere. I cant get these people to talk to me on the phone when I call they tell me supervisor dont talk on the phone only through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Company : Portfolio Recovery Associates Account Number : XXXX ( XXXX ) Balance : {$8500.00} Issue : Reporting without validation / Incorrect reporting Requested Resolution : Immediate deletion I am disputing the Portfolio Recovery Associates account # XXXX for {$8500.00}. I do not recall having any type of business with PRA and PRA did not provide proof that they own this debt or have the legal right to report or collect it. PRA did not provide a contract with my signature or a bill of sale showing this account was transferred to them.

PRA also marked the account as dispute resolved even though the debt has not been validated. This is false and misleading, which violates FCRA 611 and FDCPA 809 ( b ).

I rebut and do not accept any presumption that this debt is owed or legally collectible. No proof= No reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-03 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: WI

Complaint narrative:
" Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Date of Birth : XXXXThis 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX  XXXX Bankruptcy Ref # : XXXX BALANCE : {$0.00} I have letter of the fraudulent item appearing on my consumer credit report maintained by you which shows this fraudulent account. I do not recognize the aforementioned account as reported. The aforementioned account on my consumer credit report maintained by your agency are the result of identity theft and fraud. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 a consumer working to resolve discrepancies on my credit report. Below are the accounts and inquiries in question, separated by each credit bureau. I kindly request that each bureau investigate the listed items and update my credit file accordingly. 
Charged Off Accounts in Dispute : XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$66000.00} Dispute : This account is being reported incorrectly. Please investigate and correct the status. 

XXXX XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$930.00} Dispute : This account is being reported incorrectly. Please investigate and correct the status. 

XXXX  XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$2800.00} Dispute : This account is being reported incorrectly. Please investigate and correct the status. 

XXXX XXXX Account : XXXX Reported XX/XX/XXXX Balance : {$360.00} Dispute : This account is being reported incorrectly. Please investigate and correct the status. 

Inquiries to Dispute : XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it from my credit report. 

XXXX  Date : XX/XX/XXXX Dispute : This inquiry was made without my consent. Please investigate and remove it 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 2025-11-03 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the Equifax data breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX  XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted 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 2025-11-03 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 writing to dispute the accuracy of the following information on my Equifax credit report. The accounts listed below are inaccurate or incomplete, and I request that they be thoroughly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$810.00} XXXX, XXXX, XX/XX/XXXX, {$8800.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$910.00} XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, {$6600.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$590.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$480.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$2800.00} LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MITSUBISHI HC CAPITAL (U.S.A.) INC.
State: NY

Complaint narrative:
My son bought a truck and get loan from Mitsubishi hc capital customer # XXXX XXXX XXXX. XX/XX/XXXX he got XXXX  sick and police did found him some ones barn in Pennsylvania an they charge him. so his account got behind did not make payment. then they called my sons phone i told them what happened but i offer them to bring his account up to date and paid them as agree. 
but they had insurance requirement i had full coverage did not know if they need copy of the coverage. now they under new name and people would not talk to me. when i found out back to XXXX or XXXX. i did send them insurance coverage. and they stop charging me XXXX per month total over XXXX dollars. i try get this help in issues i did not know but they only credit me XXXX balance is {$4300.00} contract paid as XX/XX/XXXX need to get release letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So again and again this bank is hunting against to XXXX, today XX/XX/year> at XXXX XXXX PST, I called citibank to see why my card is blocked and I had {$890000.00} available in there, so I called I spoke with XXXX and she said account is blocked for 14 days. Well okay this is fourth time this bank is targeting me and I dont have idea why they dont like my nationality, Want to mention that I do have XXXX credit score and there is nothing risky about me, alywas paid them on time. My bad that I thought Citibank is stopped discriminating XXXX  but no, they still doing it and all attorneys should pay attention to be with me and fight for civil rights.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I bank with chime. On XX/XX/XXXX XXXX charges came through my account, one for {$95.00} and the other {$290.00}, both from XXXX  for parking citations. I have confirmed with XXXX  that I had no tickets on my plates or drivers license. They would give me no other information than that. I called XXXX XXXX sheriff to file a report and they told me to call my local law enforcement ( XXXX XXXX XXXX sheriff ) which I did and filed a report. I filed the first dispute with chime on the XXXX, they denied it on the first. They told me they would send an email detailing why they denied it and what I needed to show for evidence in my next report. They never sent the email. They have my correct email as Ive received emails from them during this whole ordeal. I reopened the dispute on the first adding the police report and a copy of my drivers license showing I didnt reside in XXXX XXXX XXXX They again denied the dispute on the third ( today ) of XXXX. After my cards were cancelled, a transaction at a XXXX XXXX in XXXX Ca ( near LA ) tried to go through but didnt because the card was cancelled. I was in XXXX Ca at the time, and called Chime immediately to make sure my account wasnt still compromised. They assured me that the transaction was made with my cancelled number and they knew it wasnt me. Yet they still refuse to give me my money back.

Company response to consumer: Closed with explanation