vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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 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 disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: DE

Complaint narrative:
Experian is helping with me being scammed and identity theft. They allowed people to use my credit and when I reported they aren't listening to me it's 10 address I never reported on my credit report I only lived at the one address the rest are fraud. XXXX XXXX XXXX is the only address. And then they have 5 name you can see the fraud I know how to spell my own name none of the names are mine only 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 2025-08-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app account has been hacked. It includes my ID and SSN. I believed it was due to a data breach and scams links.I need help fixing this issue. I contacted cash app about it and said I need to make another account. The hacker changed everything besides my phone number and I can still recieve codes to recover my account but my pin code was changed. I no longer have access to the card because the hacker requested a new one. They told me to create an new account but im scared and feel threatened that my information address and social number can be used for fraudulent and identity theft purposes. XXXX XXXX XXXX XXXX XXXX They used this email under XXXX. My phone number on the account is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I use my cash app for going to the store. I lost my Cash app card, account, and I cant recover from the lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

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 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 2025-08-13 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate, incomplete, and potentially re-aged credit reporting information to all three major credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. Despite prior disputes with the bureaus, these inaccuracies remain and continue to cause harm to my creditworthiness. 

Details of Inaccurate Reporting Across All Three Bureaus : 1. Conflicting Dates Equifax and TransUnion list different closure dates, and TransUnion shows payment/balance updates years after closure. 
Experian lists Status Updated as XX/XX/XXXX but Balance Updated as XX/XX/XXXX, which is inconsistent. 
2. Improper Past-Due Balance After Charge-Off Account was charged off in XX/XX/XXXX, yet all bureaus show an actively past-due balance as of XX/XX/XXXX. This is misleading and inaccurate. 
3. Inflated High Balance vs. Credit Limit Credit limit is {$500.00}, yet all bureaus report a high balance of {$2300.00} without documented justification. 
4. Missing Required Information Date of Last Payment and Date of First Delinquency ( DOFD ) are missing or inconsistent, preventing proper calculation of the removal date.

5. Payment History Errors Payment history shows delinquencies added after the charge-off date, which is inaccurate.

Possible illegal re-aging of the DOFD to extend negative reporting beyond 7 years.

6. Balance History After Closure TransUnion reports monthly balance history through XXXX despite the account closing in XXXX, which suggests continued updates without valid activity. 



Why This Violates the Law : Under FCRA 1681s-2 ( a ), furnishers must report accurate and complete information. Under 1681i, the bureaus must investigate and correct or delete unverifiable information. The discrepancies listed above make the reporting unverifiable, incomplete, and misleading.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate, incomplete, and potentially re-aged credit reporting information to all three major credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. Despite prior disputes with the bureaus, these inaccuracies remain and continue to cause harm to my creditworthiness. 

Details of Inaccurate Reporting Across All Three Bureaus : 1. Conflicting Dates Equifax and TransUnion list different closure dates, and TransUnion shows payment/balance updates years after closure. 
Experian lists Status Updated as XX/XX/XXXX but Balance Updated as XX/XX/XXXX, which is inconsistent. 
2. Improper Past-Due Balance After Charge-Off Account was charged off in XX/XX/XXXX, yet all bureaus show an actively past-due balance as of XX/XX/XXXX. This is misleading and inaccurate. 
3. Inflated High Balance vs. Credit Limit Credit limit is {$500.00}, yet all bureaus report a high balance of {$2300.00} without documented justification. 
4. Missing Required Information Date of Last Payment and Date of First Delinquency ( DOFD ) are missing or inconsistent, preventing proper calculation of the removal date.

5. Payment History Errors Payment history shows delinquencies added after the charge-off date, which is inaccurate.

Possible illegal re-aging of the DOFD to extend negative reporting beyond 7 years.

6. Balance History After Closure TransUnion reports monthly balance history through XXXX despite the account closing in XXXX, which suggests continued updates without valid activity. 



Why This Violates the Law : Under FCRA 1681s-2 ( a ), furnishers must report accurate and complete information. Under 1681i, the bureaus must investigate and correct or delete unverifiable information. The discrepancies listed above make the reporting unverifiable, incomplete, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX is the other credit reporting agency that will not remove unauthorized inquiries, i have sent letters my ID and SSN card they still refuses to remove. i am also involved in a class action lawsuit because of there reckless acts .. it allowed citi bank inquiries 5 times within 10 days without my consent

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 2025-08-13 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX is the other credit reporting agency that will not remove unauthorized inquiries, i have sent letters my ID and SSN card they still refuses to remove. i am also involved in a class action lawsuit because of there reckless acts .. it allowed XXXX XXXX inquiries 5 times within 10 days without my consent

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a XXXX XXXXXXXX XXXX inquiry on my Equifax report that is fraudulent. I never applied or have a card from the date XX/XX/scrub>XXXX I reached out to credit wise and they said by XXXX XXXX  this inquiry would be removed. It still is reflective incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the accuracy and consistency of the information they are furnishing to the credit reporting agencies. 
The issues are as follows : XXXX XXXX is reporting inconsistent information about the same account to the three major credit bureaus.

On at least one credit bureau, the account is being reported as open, while it is reported as closed on others.

Payment history and account status details differ across bureaus, creating conflicting credit information.

These actions violate the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information shall not furnish information relating to a consumer that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) : The credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 
The conflicting and inaccurate information furnished by XXXX XXXX has harmed my creditworthiness and caused confusion for potential creditors.

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 2025-08-13 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: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the accuracy and consistency of the information they are furnishing to the credit reporting agencies. 
The issues are as follows : XXXX XXXX is reporting inconsistent information about the same account to the three major credit bureaus.

On at least one credit bureau, the account is being reported as open, while it is reported as closed on others.

Payment history and account status details differ across bureaus, creating conflicting credit information.

These actions violate the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information shall not furnish information relating to a consumer that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) : The credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 
The conflicting and inaccurate information furnished by XXXX XXXX has harmed my creditworthiness and caused confusion for potential creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
XXXX XXXX is inaccurately reporting my account ( opened XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ). 
The statute of limitations on this debt expires XX/XX/XXXX, yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate reporting, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. 
Account Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX is inaccurately reporting my account ( opened XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ). 
The statute of limitations on this debt expires XX/XX/XXXX, yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate reporting, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. 
Account Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
XXXX XXXX is inaccurately reporting my account ( opened XX/XX/XXXX ) as charged off with a {$910.00} balance, even though my last payment was XX/XX/XXXX and the account was written off. The account status was updated in XX/XX/XXXX, yet it continues to show {$910.00} past due as of XX/XX/XXXX. This repeated reporting is misleading, harms my credit, and may violate the Fair Credit Reporting Act ( FCRA ). 
The statute of limitations on this debt expires XX/XX/XXXX, yet XXXX XXXX continues reporting it as active and past due. I request CFPB investigate, correct or remove this inaccurate reporting, and ensure XXXX XXXX ceases further misleading activity. Immediate action is needed to prevent ongoing credit damage and enforce federal reporting compliance. 
Account Info : Creditor : XXXX XXXX Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Charged Off Balance : {$910.00}

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 2025-08-13 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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