vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of the following name and address listed on my credit report, which are incorrect and do not belong to me : 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 XXXXXXXX I have no affiliation with this name or address, and it does not reflect my personal information. I kindly request that this The incorrect name and address should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
It's been 11 months now dealing with this issue cash app is still continuing to drag out this issue I'm demanding resolution and Electronic Transfer Act Law be enforced. {$25000.00} unauthorized transactions was made on my account $ XXXX which was fraudulent change to $ XXXX. 

XXXX XXXX XXXX XXXX Zip code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The main issue payment higher than both social security checks was not address. How the last modification payment calculated was not addressed. And while waiting for their response, I received a letter from Wells Fargo 's that they calculated the wrong tax information and they will let us know if it will or will not affect our monthly payments. Do you need that letter?

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I've been putting disputes over and over again on a fraudulent discrepancy on my credit reports @ # Equafax # XXXX  # XXXX, concerning an account with # XXXXXXXX XXXX XXXX XXXX XXXX FraudulentCreditReporting with a name I don't even know who this person is, that used my my personal information @ a different address in Virginia to get their utilities turned on. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for the last XXXX yrs. 
I did contact all credit bueros, and XXXX XXXX XXXX XXXX them of the fraudulent person in a different state, who used my personal information to willfully break the law ... gaining access to turn on utilities that arent at my home, but rather a different part of the USA. This has happened without my knowledge or permission. ( XXXX XXXX XXXX me I couldn't get information on an account that wasn't in my name ) This company should be held liable for not checking my credit with My name and credit. 

Equqfax, XXXX XXXX, XXXX  should also should be held liable for not doing a proper investigation of any of my credit disputes for all of these years. Refusing to assist a # Victim of fraud. I heard this happens all the time, and companies needs to be fined for bad credit checking business practices, and also changing their names, that activate a time Reset... So they can ruin creditors good name, good credit scores and know one to help or assist people like me. 

I was injured by a semi- truck in XX/XX/XXXX, I had to pay all my medical bills, after reconstructing my whole life, XXXX XXXX  to recover from while on XXXX, clean my credit up, and pay all my creditors and finally was able to have a good enough credit score XXXX to buy a brand new car XXXX. To have a problem that isn't even my debt to bring & keep my score down XXXX whole points, all of these yrs ... Because some thief used my credit to get utilities .. the bill XXXX keeps getting bigger everyday to XXXX. The credit bureaus refuse to do anything to help me. I'm now a student at XXXX yrs old who's trying to go back to school at my age to start over once again, after donating my time & energy to business professionals on XXXX & XXXX, to help them get jobs and start small businesses. 

I even tried to get a hold of your XXXX XXXX XXXX for assistance, but # XXXX  # Attorney XXXX 's voicemail is always full, and doesn't take messages. 

I contacted # CFPD in XXXX, to no avail, no one ever followed up with me. So I'm probably not going to get any assistance or interest in my problems. 

Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-18 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:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation along with allrecords of who you spoke with, their business address name and phone number as well as documents that proves these accounts were late. If you can not provide me with this information on 15 days update the account to PAID/NEVER LATE and send me a copy of my updated credit report. 
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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation along with allrecords of who you spoke with, their business address name and phone number as well as documents that proves these accounts were late. If you can not provide me with this information on 15 days update the account to PAID/NEVER LATE and send me a copy of my updated credit report. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Rental Kharma, Inc
State: TX

Complaint narrative:
I hired XXXX XXXX to report my rental history to help build my credit. After submitting my documents, they abruptly canceled my account and accused me of fraud without providing any proof. They refused to refund me, then sent a threatening email stating they would report me to authorities and freeze my credit if I left a bad review. I attempted to call and resolve the issue, but they hung up on me, were extremely rude & ghetto, and later blocked my number. I also received a voicemail with vague threats. This is a serious case of billing fraud, retaliation, and harassment. I am requesting a full refund and an investigation into their conduct. Rental Kharma has since removed their account from my credit file, confirming they failed to complete the service I paid for. I still have not received a refund and their staff continues to ignore or block communication after sending threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-18 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: AZ

Complaint narrative:
I am filing this complaint against both XXXX XXXX XXXX and Experian for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to an unvalidated debt in the amount of {$1700.00}. 

I sent two certified dispute letters to XXXX ( XX/XX/XXXX and XX/XX/year> ). They never validated the debt as required. On XX/XX/year>, I submitted a full dispute with Experian and attached my documentation. However, XXXX still updated the account on XX/XX/year>, and Experian accepted that update without proper validation or investigation. 

This violates : FDCPA 1692g ( b ) ( Midlands failure to validate ) FCRA 1681s-2 ( b ) ( Midlands continued furnishing ) FCRA 1681i ( Experians failure to investigate or block the disputed account ) I am requesting : Full deletion of the XXXX account from all credit bureaus Written confirmation that no further collection or reporting will occur A full investigation and compliance action from Experian to correct their handling of this dispute

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and to notify you that I am a confirmed victim of identity theft, connected to the Equifax data breach of XXXX, which exposed the personal and financial data of over 140 million Americans including mine. 

I did not authorize or initiate the alleged account referenced above, nor have I had any business dealings with. This item is the result of fraudulent activity, and I am demanding an immediate investigation and removal of the account in question. 

In accordance with my rights under 15 U.S.C. 1681c-2, I am requesting that this fraudulent account be : my information was exposed in equifax data breach as a result the current inquires and accounts are fraud from someone using my info that was exposed as a result of the equifax data breach THEY ARE A RESULT OF FRAUD AND NEED TO BE DELETED ASAP 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 XXXXXX/XX/XXXX Blocked from my credit report, Investigated within 30 days as required by federal law, and Removed from all consumer reporting agencies to which you have reported it. 
Furthermore, if you are a debt collector, this letter also serves as a formal dispute and request for validation under the FDCPA, 15 U.S.C. 1692g. Until validation is provided, you are required to cease all collection activity including reporting to credit bureaus.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX Balance {$19000.00} CHILD SUPPORT XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-07-18 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, a package from XXXX XXXX was marked as delivered by XXXX XXXX to my address. However, I never received the package. I contacted XXXX XXXX and explained the issue. Although XXXX provided a photo of a delivery location, it was unclear and not identifiable as my property. 

XXXX XXXX later refunded me for the merchandise, but the XXXX XXXX XXXX shipping fee of {$120.00} was not refunded. Since the delivery service was not properly fulfilled as I never received the parcel I believe I should not be responsible for the shipping charge. 

I reached out to PayPal to dispute the shipping charge, and I am now submitting this complaint because I believe XXXX failed to provide the service for which I was charged. I am seeking a full refund of the {$120.00} shipping fee.

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