vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-30 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 a victim of identity theft and i would like these accounts removed.

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 2025-06-30 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: GA

Complaint narrative:
I am a victim of identity theft and i would like these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am a victim of identity theft and i would like these accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax for FCRA Violation and Failure to Remove Inaccurate Collection Account Dear CFPB Representative, I am writing to file a formal complaint against Equifax Information Services LLC for failing to remove a clearly inaccurate collection account from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my multiple attempts to resolve this matter, including a formal dispute filed in XXXX, the account still remains on my Equifax credit file. 

The account in question is listed as follows : Debt Collector : XXXX XXXX XXXX Original Creditor : XXXX Crossing Account Number : XXXX In XXXX, I formally disputed this account with Equifax and included written documentation directly from the original creditor, XXXX XXXX, confirming that my account carried a {$0.00} balance and was resolved. Despite this, Equifax responded by claiming the account was verified and has continued to report it as an active collection account. 

This response fails to meet the standard of a reasonable investigation as outlined under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Furthermore, verification is not the same as validation. Simply checking with the furnisher and confirming that the account exists is not sufficient. Under FCRA 1681s-2, Equifax is responsible for ensuring that the data it reports is accurate and verifiable. Continuing to report a collection account with a zero balance as derogatory is misleading, inaccurate, and harmful.

The distinction here is critical : Verification means Equifax confirmed the account still exists. 

Validation requires documentation proving that the debt was legally owed by me, and that the balance is accurate and collectible. 

To date, no such documentation has been provided, and the email from the original creditor showing a {$0.00} balance directly contradicts the continued negative reporting. 

Equifaxs actions represent : Negligent or willful noncompliance with federal law Failure to perform a reasonable investigation Ongoing harm to my credit standing, reputation, and financial opportunities I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Equifax to permanently delete this invalid collection account from my credit report. 

I have attached supporting documentation including : My original dispute from XXXX The email from XXXX XXXX verifying the {$0.00} balance A current copy of my Equifax credit report showing the account is still listed Thank you for your time and attention to this matter. I expect your office will take the appropriate steps to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXXXXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX ] - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX  ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-06-30 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 am requesting your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit report. In accordance with USC 1681g, I am formally asking for their removal within 15 days. I have attached all necessary documents for your thorough review. Furthermore, the account details differ and are incorrect across the major credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
There is a collection account on my credit report that is inaccurate. I have reviewed my credit history thoroughly and found no association with this alleged debt. It does not belong to me.

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 2025-06-30 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: Block, Inc.
State: FL

Complaint narrative:
I had {$25.00} mistakenly sent to my own old Cash App account that I cant access about two weeks ago from my father. Ive proven my identity and ownership but Cash App refuses to assist in recovering my own funds. Im requesting they help me regain access or transfer the funds to my current active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates
State: NJ

Complaint narrative:
An old debt was reaged and re-added to my credit report. {$970.00}. LJ Ross & Assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This letter serves as a formal Cease and Desist demand requiring your agency to immediately halt all collection activities and communications regarding the alleged debt associated with : Account Name : LVNVFUNDG - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or obsolete items. Ive submitted a dispute to the credit bureaus and/or the lender, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} INQUIRIES : XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXXXXXX 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 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I made a purchase with Affirm late last year. Ended up returning one of the items from the purchase, so they adjusted the loan amount to reflect that. I did the math to make sure that they adjusted it properly and discovered that they did not calculate the interest at the APR they promised. An employee confirmed that the numbers didn't add up during one of the many calls, after multiple people said that they didn't know how to calculate the amount and they just trusted the computer. After going in circles with multiple people and submitting multiple disputes, they kept telling me they were looking into it and then closing the cases without looking into it or communicating with me. I just opened another case today because they stopped responding to all emails and cases, and they sent me a " Case Resolved '' email before sending me the email that it was opened. They are not answering questions or emails and I have been overcharged by over {$50.00} and they refuse to tell me where they are getting the numbers they are using on my account. Another fun fact - I looked at a plan for my sibling for another purchase and the amount they said they would charge was also not the correct interest rate, so they are doing this on most, if not all, purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am formally disputing an account listed on my credit report under the name XXXX XXXX, with the account number ending in XXXX. This account is currently reported as a charge-off. 
Upon review, I've identified the following serious reporting issues : You are reporting multiple months of " OK '' and " XXXX '' ( paid/current ) history, while also classifying the account as charged-off - a clear contradiction. The high credit reported by Equifax differs significantly from XXXX  and XXXX. The natural disaster status does not align with required CARES Act reporting standards. There is no payment reduction reflected in the balance, despite apparent payment history. Due to these inconsistencies, this account does not appear to meet the FCRA 's standard of accuracy and verifiability. Therefore, I request an immediate investigation and deletion of this account if it can not be verified accurately across all reporting bureaus. Please respond in writing with the results of your investigation within the 30-day time frame required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I deposited a legitimate U.S. Treasury-issued Social Security check for {$2600.00} into my Wells Fargo account ending in XXXX via ATM. On XX/XX/year>, Wells Fargo reversed the deposit and claimed the check was " not valid '' and " possibly fraudulent, '' without providing any specific reason or documentation. This caused my account to become overdrawn, led to missed bill payments, and triggered financial hardship including late fees and reputational damage. 

I attempted to resolve the issue in person at two Wells Fargo branches, presenting documentation from the Social Security Administration proving the check 's validity. Despite spending hours with small children at these branches, my documentation was disregarded. The SSA later reissued the exact same check proving it was valid from the start. 

I sent a certified letter of complaint to Wells Fargo on XX/XX/year>. Their written response was vague, they failed to provide any explanation, denied fault, and closed the case. They refused to provide surveillance footage, call logs, or the decision-making rationale unless compelled by a court. They also failed to comply with my request for a certified mail response.

I believe Wells Fargo violated Regulation CC ( 12 CFR 229.10 ) by mishandling a Treasury check that is subject to expedited availability and carries a presumption of validity. Their actions may also fall under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) as defined in 12 U.S.C. 5531.

I am seeking : A full explanation of why the check was rejected Reimbursement for the original check amount ( already reissued by SSA ) Compensation for fees and losses caused by the banks error An investigation into Wells Fargos practices for rejecting federal benefit checks without cause

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 2025-06-30 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: AZ

Complaint narrative:
I am requesting a correction to a late payment status that appears to have been caused by a processing delay. According to my records, the payment was submitted on time, and any delay may have resulted from internal posting systems or external technical issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am contacting you regarding an account on my credit report that does not belong to me. After thoroughly reviewing my credit file, its clear that this account has been mistakenly associated with my identitythis is a classic case of mixed credit information, and it needs to be addressed immediately.

Let me be very clear : this account is not mine. I did not open it, I have never used it, and I have no affiliation whatsoever with the person it actually belongs to. Somewhere along the line, my personal information has been confused or combined with someone else 's, and now their account is showing up under my name. Thats not just wrongits completely unacceptable.

Not only is this hurting my credit profile, but its also a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and only associated with the correct consumer. This account fails both of those standards.

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 2025-06-30 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 am filing a complaint against XXXX XXXX XXXX and Experian for their failure to remove a fraudulent, unauthorized account from my credit report after I submitted an official identity theft report, including supporting documentation. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), information furnished to a consumer reporting agency must be accurate. Reporting a collection account as an open trade line is misleading and inaccurate, and this misrepresentation negatively affects my credit score. I have never had any dealings with XXXX XXXX XXXX and never gave them authorization to collect, report, or access any of my personal or financial information. I do not know how they obtained my information, and I consider this a serious violation of my rights under federal law. 

Upon discovering this account on my Experian report, I followed the proper procedures under the Fair Credit Reporting Act ( FCRA ) XXXX, which requires credit reporting agencies to block identity theft-related information within XXXX business days of receiving : A police report or identity theft affidavit, Proof of identity, And a written request to block the item. I provided all of this. Yet, Experian has refused to remove the fraudulent account, and XXXX XXXX XXXX continues to report it, despite being notified that the account is a result of identity theft. This is a violation of : FCRA XXXX Failure to block fraudulent data within the mandated time FCRA XXXX Failure to conduct a reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) No permissible purpose to access or report my information FCRA XXXX Furnishing inaccurate information to a consumer reporting agency It does not take more than XXXX days to complete a proper investigation or to comply with federal law. 

Both parties have had ample time to address this dispute and have failed to act lawfully and ethically. If this account is not immediately removed from my credit report and all inaccurate information corrected, I will pursue legal action under the FCRA for willful noncompliance, which allows for statutory damages, actual damages, punitive damages, and attorneys fees under 15 USCXXXXn.

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