vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: MD

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX and I am writing regarding my Experian consumer file. I have reason to believe that my personal information was compromised as a result of the recent Experian and XXXX  breaches. This raises serious concerns under the Fair Credit Reporting Act FCRA and the Gramm Leach Bliley Act GLBA as it demonstrates your companys failure to maintain reasonable procedures to protect consumer data and ensure maximum possible accuracy. Specifically my file contains closed accounts reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are no longer open and I dispute their continued reporting. Pursuant to my rights under FCRA 602 607 and 611 I am demanding the immediate deletion of these accounts unless you can provide full documented and independent verification directly from the furnishers. Anything less will be considered a violation of federal law. This letter constitutes formal notice that you must : 1. Conduct an immediate reinvestigation. 2. Obtain direct verification from the original creditors listed above. 3. Permanently delete any record that can not be fully verified. Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau CFPB the Federal Trade Commission FTC and the Office of the Attorney General. I also reserve the right to pursue legal remedies for damages caused by Experians negligent handling of my personal data and its inaccurate reporting of these closed accounts. I expect written confirmation within 15 days that you have initiated an investigation and that all unverifiable accounts including those from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been removed from my report. This is a final demand for immediate action.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi bank is reporting inaccurate information and has refused to remove it from XXXX  XXXX  and 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 2025-09-29 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX - XXXXXXXX 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 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank offered me a {$200.00} checking bonus to be paid on or before 180 days after opening the account. It has been past the 180 days and I have not received the promotional bonus payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
Upon reviewing my Equifax credit report, I was shocked and deeply frustrated to see multiple collection accounts from the Department of Education ( XXXX ) reported with different suffixes and varying balances : XXXX ( {$890.00} ), XXXX ( {$1500.00} ), XXXX ( {$1500.00} ), XXXX ( {$2400.00} ), XXXX ( {$4900.00} ), and XXXX ( {$11000.00} ). These entries are confusing, inconsistent, and make it nearly impossible to understand my true payment history. I have documentation that shows the reporting is inaccurate and misleading, yet Equifax continues to list these accounts without providing any supporting evidence. 

In addition, the report contains a XXXX  XXXX charge-off ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$530.00} ), which is being misrepresented in terms of balance and status. The continued presence of these items, without proper verification, has caused me real-life consequences. I have been denied credit, offered higher interest rates, and experienced unnecessary stress and anxiety over my financial reputation. Each time I attempt to address these inaccuracies, I am met with generic verified as accurate responses that fail to substantiate the items with actual account statements or payment histories from the furnishers.

These repeated reporting errors show a systemic failure to comply with the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), Equifax is required to maintain maximum possible accuracy in its reporting. Publishing multiple conflicting Department of Education tr
adelines and an inaccurate charge-off clearly violates this standard. Furthermore, 15 U.S.C. 1681i requires Equifax to conduct a reasonable reinvestigation after I dispute these accounts, which has not been done in any meaningful, document-supported way. The lack of proper investigation demonstrates negligence at best, and a willful disregard for accuracy at worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I went to court back in XX/XX/year> and the XXXX ruled in my favor due to rep from XXXX XXXX did not show paper work. Now its on my credit i was not adv. only reason I know I was checking my credit reports all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
When I reviewed my credit reports with Experian, Equifax, and TransUnion, I was shocked to see a late payment reported on my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). This reporting is completely inaccurate. At the time, I made all payments on schedule, and I have records to verify that my account was in good standing. Seeing a false late payment reported has caused me stress, anxiety, and tangible financial harm, including higher interest rates and unnecessary scrutiny during credit applications. 

This situation is extremely frustrating. I have worked hard to maintain a responsible financial profile, and having a late payment incorrectly listed undermines years of careful financial management. I previously disputed this item with each bureau, yet the responses I received were generic confirmations that the late payment was verified as accurate without any documentation or evidence from XXXX substantiating the claim. These superficial verifications do not comply with the legal standards required under the Fair Credit Reporting Act and leave me feeling powerless as a consumer.

Under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure maximum possible accuracy in their reporting. Publishing a late payment that never occurred is a direct violation of this requirement. Additionally, 15 U.S.C. 1681i obligates the bureaus to conduct a reasonable reinvestigation when a consumer disputes an item. A proper reinvestigation would require the bureaus to obtain actual account records from XXXX and compare them to my documentation something that has clearly not been done. Continuing to report this inaccurate information constitutes negligence and, if done knowingly, may rise to willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
Im deeply frustrated to see that this inaccurate account is still appearing on my credit report and has not been taken off. Im pleading for you to carefully go through the documents Ive attached so I can finally stop living with the constant fear and XXXX  this has caused me.

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 2025-09-29 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-29 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: LEXISNEXIS
State: FL

Complaint narrative:
I am filing this claim because LexisNexis has failed to comply with its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the information reported in my file. When I disputed the inaccurate information, instead of verifying it directly with the court which is the original and official source of the records LexisNexis relied solely on XXXX  as an intermediary. XXXX  is only a public electronic access system and does not constitute an official validation from the court. The FCRA requires that verification be conducted directly with the court that issued the information, not through secondary databases. This practice shows a lack of reasonable investigation and a refusal to comply with the legal mandate to confirm the accuracy of the information directly with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-29 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: AL

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - {$1000.00} - Balance : {$1000.00} Account Name : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - {$960.00} - Balance : {$960.00} Account Name : XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$2700.00} - Balance : {$2700.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$4400.00} - Balance : {$4400.00} Account Name : XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX - {$1000.00} - Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARM Professional Services LLC
State: IL

Complaint narrative:
I am filing this formal complaint on behalf of myself ( XXXX XXXX ) and my fianc ( XXXX XXXX ), regarding an inaccurate debt of {$2200.00} reported by ARM Professional Services for XXXX XXXX. We moved out of XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, IL in XX/XX/year> due to severe mold and water damage that posed health and safety risks, including to our children. 
We received a notice of charges around XX/XX/year> and began disputing immediately. We submitted formal debt validation requests, emails with photo evidence, and a detailed timeline showing this debt is inaccurate and falsely attributed to us. We never received proper accounting or itemization that justifies the amount, and ARMs response photos show conditions they claim we left even though many of those damages predated our tenancy or were previously reported. 
ARM continues to report this account to the credit bureaus, damaging both of our credit scores, despite ongoing disputes and formal letters. We request this be fully removed from all credit bureaus and that ARM/XXXX  be held accountable for improperly reporting disputed and unvalidated debt under the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
My wages, totaling {$1700.00}, were successfully sent via direct deposit from my employer to my Cash App account. 

I first contacted Cash App Support on XX/XX/year> after the funds failed to appear in my balance. An Advocate responded, claiming they were " unable to locate a direct deposit with the same amount of {$1700.00} ''. 

I immediately provided the requested screenshot of my pay stub as proof of payment, clearly showing the amount, date, and that the deposit was transmitted using the Cash App routing and account numbers. 

Despite providing definitive proof, Cash App has repeatedly failed to investigate the missing funds or provide any substantive update. I have received nothing but generic " Advocate '' messages, such as the one on Friday, XXXX XXXX stating the case ( XXXX ) is " escalated '' and " actively reviewing, '' but providing no resolution. 

This is a missing Electronic Fund Transfer ( EFT ). Cash App is violating Regulation E by failing to properly and timely investigate this unauthorized transaction or transaction error, and is preventing me from accessing my wages.

Resolution Requested : I demand the immediate location and credit of my {$1700.00} wages to my Cash App balance. I also request a written report of Cash App 's complete investigation findings, as required by law

Company response to consumer: Closed with explanation