vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute the accounts and inquiry listed below that appeared on my credit report as a result of a data breach and unauthorized use of my personal information. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), you are required to conduct a prompt reinvestigation and delete any unverifiable or fraudulent information. 
Accounts in Dispute : Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$69.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$890.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$430.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$610.00} INQUIRY : XXXX XXXX XX/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 2025-10-16 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: NC

Complaint narrative:
Dear Equifax 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I am writing to advise that I am a victim XXXX XXXXXXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4300.00} INQUIRIES : XXXX XX/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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-16 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding Veros Credit , LLC for continued inaccurate reporting and failure to comply with its reinvestigation obligations under the Fair Credit Reporting Act ( FCRA 611 ( a ) and 623 ( b ) ).

Despite multiple notices and submission of supporting documentation, Veros Credit continues to report false and inconsistent information across credit bureaus. Specifically : The account remains reported with a balance after it has been closed, creating a misleading impression of active debt. 
Credit reports from XXXX, XXXX, and XXXX XXXX show conflicting data regarding account status, payment history, and closure date. 
Veros Credit has not provided any verifiable proof of the alleged balance or an original signed contract supporting its continued reporting. 

These inaccuracies are causing ongoing harm by lowering my creditworthiness and affecting housing eligibility. I have provided new and relevant evidence since the companys prior response, yet the tradeline remains uncorrected. 

This demonstrates a pattern of willful non-compliance and a failure to conduct a reasonable reinvestigation as required by FCRA 623 ( b ). I am requesting that the CFPB escalate this matter for enforcement review and require Veros Credit to delete the tradeline entirely from all credit bureaus due to their repeated violations and refusal to validate the accuracy of the data they are furnishing. 

Attached are screenshots, correspondence, and credit report extracts clearly showing ongoing inconsistencies and non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-16 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am filing this complaint against Military Star / AAFES regarding inaccurate and duplicate reporting on my credit reports. There are multiple discrepancies that have not been corrected, even after more than 60 days. 
This account is showing as paid on one report but still being coded as a collection/charge-off or 120-day late on another. There are also two separate tradelines for the same account one under MILITARYSTAR and another under XXXX XXXX. This creates duplicate and inconsistent reporting, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) because furnishers must ensure that all information provided to the credit bureaus is accurate and complete. 
I have already disputed this directly with the credit bureaus and have received no validation or documentation from Military Star confirming the accuracy of these entries. Under Metro-2 Compliance Standards, each furnisher must maintain factual accuracy in all fields including balance, status, payment history, and dates of first delinquency. A paid account can not simultaneously be reported as a derogatory or active collection account. 
Because no validation or correction has been provided within the legal timeframe, this account is being reported inaccurately, incompletely, and misleadingly, violating FCRA 611 ( a ) and Metro-2 factual dispute requirements.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
In early XXXX I was a tenant at XXXX XXXX XXXX XXXX ) on a joint lease. My co-tenant left without authorization. I notified XXXX before she left and asked for an inspection, but no one inspected the apartment during the entire XXXX 30-day period. Even after my roommate was signed off, there was still no inspection before/after her departure. Overall, XXXX waited about two months to inspect while the power was off, which likely caused/expanded any damage and inflated charges. XXXX later claimed I didnt formally notify them I left, but the property used electronic keys and management never provided a move-out/key-return procedure. 

Timeline & amounts : XX/XX/XXXX : XXXX posted a 30-day notice to my door ( no inspection occurred between XX/XX/XXXX and XX/XX/XXXX ). 
XX/XX/XXXX : XXXX emailed an itemized statement showing {$7800.00} due ( rent/fees ). 
XX/XX/XXXX : XXXX posted and emailed an eviction warning demanding same-day paymentescalating before any timely inspection or reconciliation. 
XXXX : When I requested validation, XXXX first said records in their system expire and they couldnt provide what I asked for. After I sent a formal letter by mail and a follow-up email, they suddenly produced some documents : a copy of the lease, a partial ledger, and vendor invoices ( carpet, paint, trash removal, refrigerator ). These were provided months after move-out with no time-stamped inspection photos, dated work orders, utility/meter logs, or documentation tying the charges to tenant-caused damage. XXXX also stated in writing that I would need a subpoena to obtain my own resident-portal messages and internal records. 
XX/XX/XXXX : Debt placed with Hunter Warfield at {$16000.00} principal + {$530.00} interest = {$17000.00}. 
XX/XX/XXXX : Same account shows {$16000.00} principal + {$1200.00} interest = $ XXXX {$700.00} added interest with no payments or new activity, while the debt was disputed. 
The Hunter Warfield tradeline also lists an old address XXXX havent lived at for years. 

I repeatedly requested full validation ( executed lease/addenda, move-out inspection report with dates/photos, complete itemized ledger showing how all charges and interest were calculated, proof of assignment/authority to collect, dated work orders supporting the vendor invoices, utility shutoff/meter logs, move-out/key-return procedures, and copies of my resident-portal messages ). XXXXHunter Warfield provided partial or irrelevant items, claimed records expired until I sent a formal letter/email, required a subpoena for portal/internal records, and never provided complete validation. I also disputed with XXXX  and XXXX  twice ; both were denied without a meaningful investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 U S C. 1681, section 602 states i have the right to privacy. 15 USC 1681 section 604 a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am submitting this formal dispute regarding inaccurate and unauthorized information appearing on my credit file as a result of the TransUnion data breach. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation and delete any unverifiable or compromised accounts immediately.

Please investigate and remove the following accounts and inquiries that were not authorized by me : Accounts in Dispute : Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$890.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$430.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3000.00} INQUIRY : XXXX XXXX XX/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 2025-10-16 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: SC

Complaint narrative:
This is a formal dispute of inaccurate data being reported on my TransUnion credit file. 
Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you must investigate and delete any unverifiable or obsolete information. 
Disputed Tradelines XXXX. XXXX XXXX XXXX XXXX XXXX Installment misclassification with inconsistent activity dates ( XXXX vs XXXX ). 
o Violation : FCRA 623 ( a ) ( 5 ) ( re-aging ). 
o Demand : Provide date-of-first-delinquency ledger. 
XXXX. XXXX Displays As Agreed yet includes 30-day late 5. 
o Violation : FCRA 607 ( b ).

o Demand : Remove late history or delete. 
XXXX. XXXX XXXX ( Authorized User ) Late notation on authorized user account. 
o Violation : FCRA 607 ( b ) ; Reg V 1022.42 ( a ). 
o Demand : Immediate correction. 
XXXX. XXXX XXXX XXXX Charged off XXXX ; now obsolete. 
o Violation : FCRA 605 ( a ) ( 5 ). 
o Demand : Delete. 
XXXX. XXXX  Conflicting balance and past-due figures. 
o Violation : FCRA 607 ( b ) ; FDCPA 807 ( 2 ) ( A ). 
o Demand : Produce running statement or remove

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 2025-10-16 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX  COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: AR

Complaint narrative:
So a year or so ago I had recieved a letter in the mail saying my information had got breached from cashapp and they was sorry it got breached. well I had signed up for the lawsuit against them but before the lawyer could do anything they had shut my account down and told me that I didn't comply with their rules. I am still trying to figure out what they did about my information getting breached but I can't get anyone to answer me or even send me information I can't even access my account or even try to open a new account I am completely locked out of cash app all together. I had my income tax being sent there last year and I don't have a clue if it hit and someone took my taxes or what.

Company response to consumer: Closed with explanation