vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Lates XX/XX/XXXX 90 days and 120 days10/2023, lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, lates XX/XX/XXXX, lates 30 days XX/XX/XXXX, 60 days XX/XX/XXXX, lates 90 days XX/XX/XXXX and lates 120 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XX/XX/XXXX 30 days, 60 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA XXXX and late paymentsreversed. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XX/XX/XXXX 30 days and 60 days XX/XX/XXXX - not reported on other bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately. 
Furthermore, under the XXXX XXXX ( XXXX XXXX XXXX ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports. 
Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Transunion has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me. 
I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer. 
According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Transunion to take all necessary action to correct and block this information as ordered by law. 
Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Transunion records if it is determined that no permissible purpose exists for maintaining this information. I expect Transunion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

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 2025-11-11 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: MO

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MO

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am submitting to dispute certain entries on my credit report that inaccurately indicate late payments on my accounts with DPT EDXXXX. I have always taken my financial responsibilities seriously and have consistently ensured that my payments are made on time. 
The entries in question are : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} Late 120 Days and late 180 Days DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} Late 120 Days and late 180 Days DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} Late 120 Days and late 180 Days DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Late 120 Days and late 180 Days Under the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ) ), I have the right to ensure that all information reported about me is accurate and complete. I kindly request that your bureau conduct a thorough investigation into these accounts. If the reported late payments can not be verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am submitting to dispute certain entries on my credit report that inaccurately indicate late payments on my accounts with DPT EDXXXX. I have always taken my financial responsibilities seriously and have consistently ensured that my payments are made on time. 
The entries in question are : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} Late 120 Days and late 180 Days DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} Late 120 Days and late 180 Days DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} Late 120 Days and late 180 Days DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Late 120 Days and late 180 Days Under the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ) ), I have the right to ensure that all information reported about me is accurate and complete. I kindly request that your bureau conduct a thorough investigation into these accounts. If the reported late payments can not be verified as 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have called all 3 credit bureaus twice. I provided US codes, with my comments. I did this within a six week timeframe, since XXXX. Nothing that I requested was completed. I have a bankruptcy reporting on my credit report without verification, permission, or accurate information. I want it taken off my credit report immediately. Im trying to get a new LLC funded and this is stopping all efforts. Please help me get this rectified.

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 2025-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Complaint Regarding Inaccurate and Unresolved Credit Reporting by Experian Dear CFPB Representative, I am writing to formally file a complaint against Experian for their failure to correct or remove inaccurate and unverifiable negative information appearing on my credit report. Despite previous disputes and reinvestigations, these accounts remain unchanged and continue to negatively impact my creditworthiness in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/XXXX, I obtained my credit report from Experian ( Report Number XXXX ). Several accounts continue to be reported inaccurately despite my prior dispute submissions and Experians confirmation that reinvestigations had been conducted in XX/XX/XXXX. These accounts include but are not limited to : XXXX. XXXX XXXX ( Multiple accounts with different account numbers ) Reported as charged off ; however, these accounts were never properly validated, and appear to be duplicated entries with inconsistent balances and terms. 


XXXX. XXXX XXXX ( Account No. XXXX ) Listed as charged off with varying balances and overlapping reporting dates following previous refinances, indicating inaccurate account handling and data reporting. 


XXXX. XXXX XXXX XXXX Several collection accounts continue to appear with the notation Account information disputed by consumer, yet Experian has not deleted or corrected the entries despite the accounts being unverifiable. 


XXXX. XXXX XXXX XXXX Reporting a collection for {$1700.00}, though I have no record of this debt, and no validation was provided. 



Each of these accounts has either been previously disputed or lacks verifiable evidence of ownership or balance as required under FCRA 611 and 623. Experians failure to conduct a reasonable reinvestigation and its continued reporting of unverifiable data violates my rights under federal law. 

Requested Action : I request that the CFPB investigate Experians compliance with the FCRA and direct them to : Conduct a proper reinvestigation of all disputed items ; Provide documented verification from the original creditors ; Remove any unverifiable or duplicate accounts from my credit file ; and Provide me with written confirmation of these corrections. 


Thank you for your attention to this matter. Please keep me informed of any actions or responses from Experian or the data furnishers. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: NC

Complaint narrative:
I am filing this complaint because an account reported by Plaza Services LLC to XXXX  contains inaccurate information that XXXX  has not corrected after I disputed it. 

The account lists a Date Opened of XX/XX/XXXX, which is clearly inaccurate and impossible based on the Date of First Delinquency of XX/XX/XXXX. This reporting error misrepresents the accounts age and conflicts with the Fair Credit Reporting Acts requirement that information be accurate and verifiable.

I contacted XXXX  to dispute this information, but the error remains. I am requesting that the CFPB review this matter and ensure that the company either provides verifiable proof of the correct open date or removes the account from my credit report entirely due to inaccurate reporting. 

Thank you for your assistance in ensuring accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I received a letter from LexisNexis Risk Solutions ( CaseXX/XX/XXXXXXXX, Consumer XX/XX/XXXXXXXX ) confirming completion of a dispute investigation under FCRA for inaccurate automobile insurance claim data from XXXX XXXX XXXX ( dispute dated XX/XX/year> ). The letter promised my Consumer Disclosure Report via a XX/XX/XXXX-time URL :XX/XX/XXXXXXXX with PIN XXXX. However, the link shows " page not found '' error, preventing access. This violates FCRA XXXX ( a ), as I am entitled to a free file disclosure after a dispute. I have attempted to access it multiple times since XX/XX/year>2025, but without success. Please forward this to LexisNexis and require them to provide the full report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have experienced ongoing login and access issues with my Capital One account since it was opened, which have continuously prevented me from connecting my card to essential digital wallets like XXXX XXXX and XXXX XXXX. These issues make it impossible to use my card for mobile payments or fund transfers unless Im logged directly into the Capital One app, which defeats the purpose of digital wallet convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
After reviewing my credit reports, I have identified XXXX closed accounts that contain inaccurate late payment information, which does not reflect my verified payment history. I am formally requesting an investigation of these accounts under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of my credit information. 
XXXX XXXX XXXXXX/XX/XXXXBalance : {$2700.00} XXXX XX/XX/XXXX Balance : {$62000.00} Under FCRA XXXX ( a ), I am exercising my right to request an investigation of any information that I believe is incomplete or inaccurate. Additionally, FCRA XXXX ( b ) requires furnishers to ensure the maximum possible accuracy of all reported data, and FCRA XXXX ( a ) ( XXXX ) mandates that any identified inaccuracy be promptly corrected or updated.

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 2025-11-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit reports, I have identified XXXX closed accounts that contain inaccurate late payment information, which does not reflect my verified payment history. I am formally requesting an investigation of these accounts under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of my credit information. 
XXXX XXXX XXXXXX/XX/XXXXBalance : {$2700.00} XXXX XX/XX/XXXX Balance : {$62000.00} Under FCRA XXXX ( a ), I am exercising my right to request an investigation of any information that I believe is incomplete or inaccurate. Additionally, FCRA XXXX ( b ) requires furnishers to ensure the maximum possible accuracy of all reported data, and FCRA XXXX ( a ) ( XXXX ) mandates that any identified inaccuracy be promptly corrected or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NY

Complaint narrative:
I had opened an cash app account and had it for years. a old friend of mine would take money out my account claiming it was me when lt was not. l have provided all the information to cash app support and instead of helping me. They closed my account and each time l try to open one they wont allow me to have an account and close out the app from me and refuse to allow me to start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CITIBANK, N.A.
State: OH

Complaint narrative:
A rug from XXXX was purchased on XX/XX/2025 for {$94.00} and was charged to our Citibank credit card. We disputed the charge and the bank also flagged the other charges after it and closed the card. However we then got a letter on XX/XX/XXXX saying the dispute had been closed as they were unable to identify that a billing error had occured. We also got a letter showing the persons name and email that did purchase the rug, an order number, and it showed our billing information. It also showed a refund was given to the XXXX account holder. 

Our credit card company Citi Bank has not reopened the dispute nor credited our account.

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 monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
I am filing this complaint against for reporting inaccurate, incomplete, and unverifiable information on my credit report, including incorrect addresses, inconsistent charge-off account data, erroneous collection entries, and unauthorized credit inquiries. These errors have significantly affected my credit score, financial opportunities, and overall financial well-being.

Details of the Complaint I recently reviewed my TransUnion credit report and discovered several items that are inaccurate or unverifiable. These issues have caused undue harm to my credit standing and violate the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Despite my best efforts to maintain accurate records and pay my obligations responsibly, my report contains errors that do not reflect my true credit history. 

Inaccurate Address Reporting XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are completely incorrect or outdated and do not correspond to any address where I have lived. Their continued appearance on my report raises serious concerns about data accuracy and proper verification procedures by TransUnion. 

Charge-Off Accounts with Questionable Reporting XXXX XXXX ( Acct. ending XXXX ) Balance {$19000.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX XXXX ( Acct. ending XXXX ) Balance {$20000.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX  ( Acct. ending XXXX ) Balance {$1400.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX These accounts show inconsistent reporting between the date of last activity and date reported, suggesting the data may be inaccurate or outdated. If TransUnion or the furnishers can not provide verifiable documentation confirming these details, these accounts should be corrected or deleted. 

Inaccurate Collection Accounts XXXX XXXX / Original Creditor XXXX XXXX XXXX XXXX Balance {$750.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX XXXX XXXX/ Original Creditor : XXXX  ( Acct. ending XXXX ) Balance {$0.00} ; Date of Last Activity : XX/XX/XXXX ; Date Reported : XX/XX/XXXX These collections contain conflicting and unverifiable data. The XXXX account reflects questionable reporting, while the XXXX account should not remain on my report if the balance is {$0.00} and the account has been resolved.

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 2025-11-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a letter to Transunion LLC, XXXX and XXXX through certified mail on XX/XX/year> requesting creditors agreement information on collections that are harming my credit score.

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