vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These errors misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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 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

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 2025-10-03 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:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These errors misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MA

Complaint narrative:
I am submitting this third follow-up complaint because my credit file continues to reflect inaccurate and disputed information despite my prior disputes. The fact that these items remain shows a failure to comply with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I am not asking for simple corrections. I am demanding a fair and lawful resolution, which is the permanent removal of these harmful and unverifiable items. My report still shows an inaccurate address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX. This address does not belong to me and its continued presence is misleading, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy. I also continue to see multiple charged-off Capital XXXX accounts reported inaccurately : XXXX XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$970.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$390.00}. * * These accounts are either duplicated or unverifiable. Reporting them as charged-off without proper validation violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Lastly, an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX remains on my file even though it was specifically included in my dispute. The failure to reinvestigate and remove this violates FCRA 611 ( 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 2025-10-03 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: GA

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These inaccuracies misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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

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 2025-10-03 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: WA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to correct or verify inaccurate information in my credit reports. 

I first disputed the items on XX/XX/year>, and again on XX/XX/year>. Despite multiple disputes, the credit bureaus have failed to properly investigate, remove, or provide documentation verifying the disputed information. 

Disputed Items Remaining Unresolved : SST Account # XXXX Balance : {$16000.00} XXXX XXXX  Account # XXXX Balance : {$23000.00} First Tech Account # XXXX Balance : {$6900.00} Inquiry Remaining Unverified : XXXX XXXX  Date of Inquiry : XX/XX/year> I specifically requested, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), the method of verification, including : The procedures used to verify the accounts and inquiry The name, title, and contact information of the furnisher ( s ) contacted The documentation relied upon during the investigation To date, none of this information has been provided. The continued reporting of these items without substantiation constitutes willful noncompliance with : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Duty to follow reasonable procedures to ensure maximum possible accuracy Harm Caused : The bureaus failure to comply with the law has damaged my credit profile and undermined my ability to maintain fair and accurate credit reporting, as required under the FCRA.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to correct or verify inaccurate information in my credit reports. 

I first disputed the items on XX/XX/year>, and again on XX/XX/year>. Despite multiple disputes, the credit bureaus have failed to properly investigate, remove, or provide documentation verifying the disputed information. 

Disputed Items Remaining Unresolved : SST Account # XXXX Balance : {$16000.00} XXXX XXXX  Account # XXXX Balance : {$23000.00} First Tech Account # XXXX Balance : {$6900.00} Inquiry Remaining Unverified : XXXX XXXX  Date of Inquiry : XX/XX/year> I specifically requested, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), the method of verification, including : The procedures used to verify the accounts and inquiry The name, title, and contact information of the furnisher ( s ) contacted The documentation relied upon during the investigation To date, none of this information has been provided. The continued reporting of these items without substantiation constitutes willful noncompliance with : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Duty to follow reasonable procedures to ensure maximum possible accuracy Harm Caused : The bureaus failure to comply with the law has damaged my credit profile and undermined my ability to maintain fair and accurate credit reporting, as required under the FCRA.

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 2025-10-03 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, XXXX exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  # XXXX -Date XXXX Balance {$5600.00}

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 2025-10-03 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: IL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These inaccuracies misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these itemsXXXX 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

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 2025-10-03 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: IN

Complaint narrative:
I am writing this to formally dispute all ledge, charge off and old balances on three separate accounts I will name each account and I will provide the account number. 
XXXX XXXX XXXX Account XXXX - XXXX {$70.00} Reported Debt XXXX XXXX XXXX Account Number XXXX Amount reported {$1600.00} XXXX Account Number XXXX Amount Reported {$5000.00} These amounts are all only alleged and they are reported incorrectly according 15 US code 1681 a ( 2 ) these companies did not follow the legal requirements to report this accurately underneath the fair credit reporting act the above code that I stated states that the term consumer report does not include reports that suddenly contain information regarding transactions or experience between a consumer and the person making the report as such any transaction experience between me myself and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX should not be included on my consumer report. Ive reached out to Trans Union Equifax and experience multiple times providing correct documentation and they have done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: SC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
They closed my account saying fraud in my investment account and I don't use that account. If u check it I didn't go into that because I don't invest. Cash app is a big fraud and I wan na sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> I placed an order from XXXX XXXX in the amount of {$110.00}. Chime gave XXXX an authorization number but then turned around and declined the transaction. XXXX cancelled the order and processed this on their end. Chime decided to hold on to my money and they refuse to put it back in my account. The authorization number XXXX XXXX was given is : XXXX. The money was in my account and Chime had no business declining the transaction and then keeping my money. All I want is the {$110.00} that Chime stole from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 disputing inaccurate late payment ( s ) entries reported by Experian related to an auto loan with lien-holder XXXX XXXX XXXX XXXX , Loan # XXXX, which was fully current and paid through XX/XX/year>. These entries were added despite documented identity theft and unauthorized activity, including a confirmed attached FTC Identity Theft Report and XXXX XXXX Police Report FI # XXXX. 

My vehicle was embezzled ( stolen ) and towed away while at XXXX XXXX dealerships service department in XXXX XXXX, VA, for manufacturing defects and recalls. The police were advised that my vehicle was first taken by the XXXX manufacturer under a recall, then I was informed that my vehicle was taken by my credit union in California. Recently, it was brought to my attention that the credit union had a data breach and my information was compromised, which may have contributed to my car being embezzled, stolen, and towed illegally without my knowledge or consent. I never received the car back ; it is currently in California. The police informed me that the vehicle was never repairedinstead, it was vandalized, missing parts, and is inoperable. 

The credit union and credit bureaus all failed to properly investigate my disputes. As a result, my credit score dropped over XXXX pointsfrom XXXX to XXXX. I am requesting immediate removal of these inaccurate entries and correction of my credit report under the Fair Credit Reporting Act ( FCRA ) within 24 hours. I appreciate your time and prompt action on this matter. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: VA

Complaint narrative:
I am disputing inaccurate late payment ( s ) entries reported by Experian related to an auto loan with lien-holder XXXX XXXX XXXX XXXX , Loan # XXXX, which was fully current and paid through XX/XX/year>. These entries were added despite documented identity theft and unauthorized activity, including a confirmed attached FTC Identity Theft Report and XXXX XXXX Police Report FI # XXXX. 

My vehicle was embezzled ( stolen ) and towed away while at XXXX XXXX dealerships service department in XXXX XXXX, VA, for manufacturing defects and recalls. The police were advised that my vehicle was first taken by the XXXX manufacturer under a recall, then I was informed that my vehicle was taken by my credit union in California. Recently, it was brought to my attention that the credit union had a data breach and my information was compromised, which may have contributed to my car being embezzled, stolen, and towed illegally without my knowledge or consent. I never received the car back ; it is currently in California. The police informed me that the vehicle was never repairedinstead, it was vandalized, missing parts, and is inoperable. 

The credit union and credit bureaus all failed to properly investigate my disputes. As a result, my credit score dropped over XXXX pointsfrom XXXX to XXXX. I am requesting immediate removal of these inaccurate entries and correction of my credit report under the Fair Credit Reporting Act ( FCRA ) within 24 hours. I appreciate your time and prompt action on this matter. 

Thank you.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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