vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / Account Number : XXXX XXXX XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: WA

Complaint narrative:
In XX/XX/XXXX, I signed a quitclaim deed legally transferring full ownership of a jointly owned home to my ex-spouse. From that date forward, I no longer had legal, financial, or residential ties to the property or the mortgage. The deed was recorded with the county recorders office and later used by the mortgage servicer to process a loan modification solely under my ex-spouses name.

Despite this, the servicer continued reporting late payments under my name for nearly eight months. I had no access to the property, received no benefit, and was no longer responsible for the debt. These delinquencies appeared on my credit report and have caused significant harm to my credit standing and personal stability. 

In XX/XX/XXXX, I submitted a formal dispute to both the credit bureau and the servicer, including documentation such as the recorded deed and the signed loan modification. The credit bureau responded with consumer disagrees, and the servicer has not issued any written release or correction of credit reporting.

This situation stems from an internal delay on the servicers part and continues to reflect as misleading and harmful data on my credit reports.

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 2025-07-29 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-29 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: TX

Complaint narrative:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all three still show as XXXXXX/XX/XXXXon their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-07-29 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: TX

Complaint narrative:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all three still show as XXXXXXXX XXXX on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX has yet to provide the documentation necessary to verify that the alleged debt reported on my consumer credit report is accurate and valid. Over the past XXXX months, I have filed XXXX separate complaints with the Consumer Financial Protection Bureau ( CFPB ), and despite these efforts, the company has failed to produce any documents that substantiate their claim. 

Given their continued non-compliance, I am formally requesting that the consumer reporting agencies remove this account from my credit report. It is deeply concerning that XXXX XXXX XXXX has not followed the appropriate procedures to ensure consumers are protected from inaccurate reporting. I trust that the credit bureaus will take the necessary action to uphold the integrity of the reporting process and safeguard consumer 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Reinvestigation Request XXXX  XXXX Account ( Metro 2 & FCRA ) To : Equifax Dispute Center Via Online Submission Subject : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Dear Equifax Dispute Team, I am submitting this formal reinvestigation request regarding the XXXXXXXX XXXX XXXX XXXXXXXX XXXX account ( ending in XXXX ) listed on my Equifax credit report dated XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a reinvestigation of disputed information. Additionally, the data furnishers are required to report information in compliance with Metro 2 standards, which ensure accuracy and consistency in credit reporting. 

Disputed Items : XXXX XXXX ( {$740.00} ) This amount appears inflated and may include fees or penalties not reflective of actual usage. Metro 2 requires charge-off amounts to reflect actual unpaid principal. 

Payment History ( XXXX ) The account is marked XXXX XXXX XXXX XXXX XXXX for every month after XX/XX/XXXX, despite a reported payment on XX/XX/XXXX. This is inconsistent with XXXX XXXX guidelines and misleading under FCRA. 

Date of First Delinquency ( XX/XX/XXXX ) If this date is inaccurate or unsupported, it must be corrected. Metro 2 requires precise reporting of delinquency timelines. 

XXXX XXXX ( {$500.00} ) vs. XXXX XXXX ( {$740.00} ) The high credit exceeds the credit limit, suggesting inclusion of fees or penalties. Metro 2 requires high credit to reflect actual usage, not accrued charges. 

Comments Section Charged Off Account and Account Closed By XXXX XXXX may be misleading if not properly documented. FCRA prohibits unverifiable or ambiguous remarks. 

Requested Action : Please conduct a thorough reinvestigation of the above discrepancies. If XXXX XXXX can not verify the accuracy of these entries in compliance with Metro 2 and FCRA standards, I request that the tradeline be corrected or deleted from my credit report. 

I expect a response within the 30-day window mandated by the FCRA. Please confirm receipt of this reinvestigation request and notify me of the outcome. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

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 2025-07-29 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all three still show as XXXXXXXX XXXX on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing an account reported by " XXXX '' with a {$420.00} balance. I did not open this account or authorize any transactions. It appears this account was fraudulently opened in my name around XX/XX/XXXX without my consent. I discovered this account on my credit report in XX/XX/XXXX. I am a victim of identity theft and request that this account be investigated and removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX XXXX under multiple account numbers ; XXXX XXXX XXXX XXXX XXXX XXXXnder multiple account numbers and account names ; XXXX XXXX XXXX XXXX XXXX XXXX  under multiple account numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number ; XXXX, XXXX XXXX XXXX XXXX XXXX account number ; XXXX, XXXX XXXXXXXX under account number ; XXXX, XXXX under multiple account numbers ; XXXXXXXX XXXX XXXX XXXX under account number ; XXXXXXXX XXXX XXXX under account number ; XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & 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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I seen my account was missing XXXX XXXX and that money was supposed to be for my phone bill I contact cash app and they yet to refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I submitted formal disputes to TransUnion, Experian, and Equifax regarding multiple unverifiable accounts. These disputes were submitted over 30 days before I filed my initial CFPB complaint. At the time I submitted the CFPB complaint, none of the credit bureaus had provided any written results, verification, or updatesmeaning they had already violated the XXXX deadline under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ).

After my complaint was filed, the bureaus acknowledged they had not completed the investigations within the legally required time frame and were still working on it, as shown in their CFPB responses. This confirms they failed to comply with the FCRA. 

In my original disputes, I specifically requested results and verification to be sent via email, as I do not currently have a reliable mailing address. Despite this, I never received any verification documentation or responses electronically. I also asked for any verification evidencesuch as confirmation dates, supporting documentation, or communication with furnishersbut none was provided by any of the bureaus. 

Only XXXX account ( XXXX XXXXXXXX XXXX XXXX  ) was deleted by TransUnion, which suggests other accounts may also be unverifiable. 

I am requesting full deletion of all remaining accounts that were not verified and that failed to meet the XXXX compliance deadline. I also request that all resolution results and communication be sent to me by email moving forward, as that is my only reliable form of correspondence.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I submitted formal disputes to TransUnion, Experian, and Equifax regarding multiple unverifiable accounts. These disputes were submitted over 30 days before I filed my initial CFPB complaint. At the time I submitted the CFPB complaint, none of the credit bureaus had provided any written results, verification, or updatesmeaning they had already violated the XXXX deadline under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ).

After my complaint was filed, the bureaus acknowledged they had not completed the investigations within the legally required time frame and were still working on it, as shown in their CFPB responses. This confirms they failed to comply with the FCRA. 

In my original disputes, I specifically requested results and verification to be sent via email, as I do not currently have a reliable mailing address. Despite this, I never received any verification documentation or responses electronically. I also asked for any verification evidencesuch as confirmation dates, supporting documentation, or communication with furnishersbut none was provided by any of the bureaus. 

Only XXXX account ( XXXX XXXXXXXX XXXX XXXX  ) was deleted by TransUnion, which suggests other accounts may also be unverifiable. 

I am requesting full deletion of all remaining accounts that were not verified and that failed to meet the XXXX compliance deadline. I also request that all resolution results and communication be sent to me by email moving forward, as that is my only reliable form of correspondence.

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 2025-07-29 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: EQUIFAX, INC.
State: NH

Complaint narrative:
Please assist me in opening an investigation into these accounts, as they are reflecting inaccurate information on my credit report. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Ive attached the appropriate documentation to support my request. It is also important to note that the account information varies and is inaccurate across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am seeking your help in launching an investigation into these accounts due to inaccurate reporting on my credit file. In line with my rights under USC 1681g, I am formally requesting their deletion within 15 days. All relevant documents have been provided for your careful review. Additionally, the information reported by each credit bureau is inconsistent and contains errors.

Company response to consumer: Closed with explanation