vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Equifax / XXXX XXXX XXXX Subject XXXX Dispute of Inaccurate Charge-Off and Late Payment Reporting XXXXXXXX XXXX Account Number : XXXX Dear EquifaxXXXX XXXXXXXX, I am writing to formally dispute the accuracy of the negative information being reported on my credit file for the above-referenced XXXXXXXX XXXX account. 
The account is currently reported as charged off with a balance of {$870.00}, and also lists multiple late payments ( 30, 60, and 90 days ). However, the record also shows a past due amount of {$0.00} and remarks indicating the account was closed at the creditors request. These details are inconsistent and raise serious questions about the accuracy and validity of the charge-off status and the reported delinquencies. 
This account was previously disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet I have not received sufficient documentation validating : 1. The charge-off status, 2. The validity of the outstanding balance, and 3. A complete record of all missed and made payments since the account was opened.

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Therefore, I am requesting the following : Requested Actions : 1. Provide documentation validating the charge-off status and the balance owed ; 2. Provide a full payment history, including all missed and made payments since the accounts opening ; 3. If the account is paid, settled, or no longer legally collectible, update the balance to {$0.00} or delete the negative information entirely ; 4. If you can not fully verify the reported details, the account must be deleted from my credit report ; 5. Send me an updated credit report reflecting any corrections or deletions. 
If this account can not be verified as required by law, I expect it to be removed from my report immediately. If not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal advice if necessary.

Please respond within the required 30-day period. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX TransUnion Subject XXXX Dispute of Inaccurate Charge-Off and Late Payment Reporting XXXX CARD Account Number : XXXX Dear XXXXTrans Union, I am writing to formally dispute XXXX accuracy of the negative information being reported on my credit file for the above-referenced XXXXXXXX XXXX account. 
The account is currently reported as charged off with a balance of {$870.00}, and also lists multiple late payments ( 30, 60, and 90 days ). However, the record also shows a past due amount of {$0.00} and remarks indicating the account was closed at the creditors request. These details are inconsistent and raise serious questions about the accuracy and validity of the charge-off status and the reported delinquencies. 
This account was previously disputed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet I have not received sufficient documentation validating : 1. The charge-off status, 2. The validity of the outstanding balance, and 3. A complete record of all missed and made payments since the account was opened.

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Therefore, I am requesting the following : Requested Actions : 1. Provide documentation validating the charge-off status and the balance owed ; 2. Provide a full payment history, including all missed and made payments since the accounts opening ; 3. If the account is paid, settled, or no longer legally collectible, update the balance to {$0.00} or delete the negative information entirely ; 4. If you can not fully verify the reported details, the account must be deleted from my credit report ; 5. Send me an updated credit report reflecting any corrections or deletions.

If this account can not be verified as required by law, I expect it to be removed from my report immediately. If not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seek legal advice if necessary.

Please respond within the required 30-day period. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block Ink ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
I was living in XXXX XXXX when my lease ran out. We did a walk around with lady in office to make sure everything was up to par so we could get our security deposit back. we signed a form for that. We left because of the constant drug use and police presence, and people next door XXXX  XXXX. office was notified several times ... our apartment flooded several times and although it was fixed it ruined some of our property..... we left and never recieved our security deposit, and they added another months rent when our lease was clearly up... they say we owe them XXXX. Account is RENT RECOVERY SOLUTIONS/ XXXX XXXX XXXX XXXX XXXX XXXX. This company was bought out right before we moved. Several people have had the same problems we did .. and they filed against thier credit .. our lease was up... why was we charged and why did they keep our deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Subject : Formal Dispute Inaccurate Late Payment Reporting XXXX  XXXX Account Number : XXXX Dear Equifax/Experian/Trans Union , I am writing to dispute the accuracy of the late payment information being reported on my credit file for the above-referenced XXXX  XXXX account. 
The account shows a status of Paid, was past due 30 days, with a {$0.00} past due balance and a closure date of XX/XX/XXXX. I have already disputed this information on XX/XX/XXXX, and again on XX/XX/XXXX, and I have not received any verifiable documentation supporting the single 30-day delinquency that is being reported.

Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Provide verification and documentation of the reported late payment, including : o A full payment history with exact dates of missed and posted payments ; o Billing statements for the period showing the account became delinquent ; 2. If the information can not be verified, I request that the negative payment notation be deleted from my credit file ; 3. Please send a written response summarizing your findings and provide an updated copy of my credit report showing any changes.

This single 30-day late mark continues to unfairly impact my creditworthiness despite the account being paid and closed for over two years. If the item is not verified or removed within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider additional remedies under the FCRA.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-06-25 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:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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 2025-06-25 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: CA

Complaint narrative:
Consumer Name : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Consumer XXXX : XX/XX/year> Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo Card Services Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Wells Fargo Card Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Validation Request for Charge-Off Reporting To Whom It May Concern, This letter serves as a formal dispute regarding the accuracy and validity of the account listed under my name with Wells Fargo ( account ending in XXXX ) and reported as a charge-off with a balance of {$3000.00}.

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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to address a dispute I submitted regarding inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS, requesting an investigation into the following inaccuracies on my credit report : Negative Account : Account : XXXX Account Number : XXXX Issue : Inaccurate reporting of account status. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX  Dated XX/XX/XXXX Issue : These inquiries were made without my authorization. 
Bankruptcy Public Record : Record : XXXX XXXX XXXX Reference # XXXX Issue : Contains inaccurate and incomplete information. 
To support my dispute, I enclosed all required documentation to verify my identity, including a copy of my government-issued ID, Social Security card , and proof of address, in full compliance with FCRA requirements. 

Under the FCRA, Equifax is required to investigate and respond to my dispute within 30 days of receipt. As of XX/XX/XXXX, Equifax has failed to provide any response or acknowledgment of my dispute, which constitutes a direct violation of my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
Dispute of Invalid Rental Collection and Lease Break Fee {$6700.00} To Whom It May Concern, I am filing a formal complaint regarding a false and excessive debt placed on my credit report by a collection agency on behalf of a former landlord at XXXX XXXX XXXX 

Background : I previously held a standard long-term lease at XXXX XXXX XXXX which ended in late XXXX. 
Upon expiration, I entered into a short-term lease extension, ending on XX/XX/XXXX. 
Due to documented uninhabitable living conditions, I was forced to vacate the apartment on XX/XX/XXXX approximately XXXX weeks before the lease was due to end. 

These uninhabitable conditions were reported repeatedly via email to the property management team. I gave them ample opportunity to address the issues, but they remained unresolved. My communication was timely, thorough, and well-documented. 



Dispute Details : Despite this, I was later billed {$6700.00} in charges under the claim that I broke the lease. 
This fee was assessed without a proper itemized breakdown, and no legitimate justification has been provided. 
I formally disputed the charge directly with the property management, citing both the habitability issues and early notice. 
Nonetheless, the account was sent to collections and has now been reported to the credit bureaus. 

This debt is not valid under landlord-tenant law, as the unit was uninhabitable and my departure was a legally permissible lease termination. The amount claimed is not only excessive for the time remaining on the lease but appears retaliatory in nature. 



Summary of Actions Taken : Multiple written reports to management documenting uninhabitable conditions ( prior to XX/XX/XXXX ) Voluntary vacating of the unit due to unresolved issues Formal dispute letter submitted to landlord/property management Formal dispute sent to the collection agency Collection account reported to credit bureaus without resolution Requested Resolution : Removal of the collection account from my credit reports Closure of the alleged debt Investigation into the landlord and collectors actions regarding improper and potentially unlawful debt reporting practices I am requesting the Consumer Financial Protection Bureau assist in reviewing this matter and taking appropriate action to correct the damage caused by this unfair and inaccurate reporting. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-06-25 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: WI

Complaint narrative:
EXPERIAN DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act Request for Deletion of Unverifiable, Inaccurate, and Obsolete Information To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute the following entries on my Experian credit report dated XXXX. These accounts contain inaccurate, outdated, or unverifiable information and must be permanently removed. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Acct ending in XXXX Charge-off with no activity since XXXX, unverifiable balance still reporting. 
XXXX. XXXX  XXXX Accts ending in XXXX & XXXX Duplicative and unverifiable charge-off balances and inconsistent histories. 
XXXX. XXXX XXXX Acct ending in XXXX Balance inflated from {$1500.00} to {$2100.00} with no payment activity ; chain of title required. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Status shows Purchased by another lender yet still reporting negative data. 

Legal Basis for Deletion : FCRA 1681i ( a ) : Unverified info must be deleted within 30 days. 
FCRA 1681e ( b ) : Requires maximum possible accuracy.

FCRA 1681c ( a ) : Negative entries older than 7 years must be removed.

FCRA 1681s-2 ( b ) : Data furnishers must verify disputed 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