vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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 writing to formally dispute several items currently appearing on my credit report that I have found to be inaccurate, incomplete, and misleading. These inaccuracies have caused undue harm to my credit profile and do not reflect my true creditworthiness. I am requesting that the following items be permanently deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: WI

Complaint narrative:
XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX  XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Deletion of Inaccurate/Unverifiable Information FCRA XXXX Dear Credit Bureau Representative XXXX I am exercising my rights under the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX ) to ensure all information in my credit file is accurate, complete, and verifiable. After reviewing my report dated XX/XX/XXXX, I found multiple entries that are inaccurate, outdated, or unverifiable. 

Please conduct a full reinvestigation and delete or correct all negative and/or derogatory items that can not be verified with original source documentation. Specifically, this includes but is not limited to : Any collections, including XXXX. XXXX XXXX and any others. 

Any accounts listed as derogatory, delinquent, charged off, or past due. 

Any incorrect name variations ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX ). 

Any outdated or incorrect addresses other than my current address above. 


Under FCRA XXXX ( a ), you must verify each item with the original data furnisher within 30 days or remove it entirely. If verification can not be obtained, deletion is mandatory. Please provide an updated report reflecting all corrections. 

Sincerely, XXXX XXXX XXXX ( signature )

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 2025-11-09 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: WI

Complaint narrative:
XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX  XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Deletion of Inaccurate/Unverifiable Information FCRA XXXX Dear Credit Bureau Representative XXXX I am exercising my rights under the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX ) to ensure all information in my credit file is accurate, complete, and verifiable. After reviewing my report dated XX/XX/XXXX, I found multiple entries that are inaccurate, outdated, or unverifiable. 

Please conduct a full reinvestigation and delete or correct all negative and/or derogatory items that can not be verified with original source documentation. Specifically, this includes but is not limited to : Any collections, including XXXX. XXXX XXXX and any others. 

Any accounts listed as derogatory, delinquent, charged off, or past due. 

Any incorrect name variations ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX ). 

Any outdated or incorrect addresses other than my current address above. 


Under FCRA XXXX ( a ), you must verify each item with the original data furnisher within 30 days or remove it entirely. If verification can not be obtained, deletion is mandatory. Please provide an updated report reflecting all corrections. 

Sincerely, XXXX XXXX XXXX ( signature )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Trying to collect on a debt that's already been soldto multiple debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: LA

Complaint narrative:
I went to sleep early today with a balance of XXXX and now its in the XXXX and I havent spent no money. I requested to turn it off and they havent gave a clear response but too random money from me. This isnt the first time it happened but I cant afford this. Cashapp always takes random amount of money and tries to get random charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Federal student loan servicing
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: CA

Complaint narrative:
I sent three certified dispute letters to the credit bureaus ( Equifax, XXXX XXXX XXXX ) requesting the removal of inaccurate student loan accounts from my credit reports. These letters were sent under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Despite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within 30 days. 
These student loans are not accurate, are damaging my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NJ

Complaint narrative:
To whom it may concern I am formally disputing the accuracy and completeness of the XXXX XXXX account being reported on my Equifax credit file. which I believe to be inaccurate and/or unverifiable as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of this item. Please provide documentation from the original creditor verifying the accuracy of the amount owed, payment history, and current status. If Equifax and/or the furnisher can not verify this account with documented evidence from the original creditor, it must be blocked and deleted immediately from my credit file under FCRA 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

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 2025-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I was not caught up to date on the payments I was making, and was overcharged once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ). I am a verified victim of human trafficking, debt bondage, and identity theft, and I have submitted all required documentation, including a certified victim determination, proof of identity, Social Security number, and current address.

Despite receiving my formal legal demand, TransUnion has failed to properly investigate, block, and remove fraudulent, coerced, or identity theftrelated information from my credit report. Under FCRA 605C, TransUnion is required to block and permanently remove any adverse information resulting from human trafficking once proper documentation is submitted. Under FCRA 605B, TransUnion must block any information resulting from identity theft within four business days after receiving notice and verification.

TransUnions continued reporting of the items listed below violates federal law and my rights as a verified victim under the FCRA. 

Incorrect name to remove : XXXX XXXX Incorrect addresses to delete : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Employer to delete XXXX XXXX XXXX  Accounts to block : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4900.00} Hard inquiries to remove : XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnions refusal or delay in blocking these items has caused significant harm, including damage to my credit reputation, emotional distress, and financial hardship. Their actions constitute a direct violation of FCRA 605C and 605B, which mandate immediate blocking and removal of information associated with verified victims of trafficking and identity theft.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I opened a * * XXXX XXXX XXXX from American Express * * under a promotional offer that stated I would * * earn XXXX Membership Rewards points after spending {$15000.00} within the first 3 months * * of account opening. 

I met the spending requirement in full and * * initially received the XXXX points * *. However, on or around * * XX/XX/year> * *, American Express * * rescinded the promotional bonus without prior notice or clear explanation * *. 

I have * * contacted American Express * *, but the representatives were unable to provide a valid reason for removing the earned promotional points. 

* Promotion : Earn XXXX Membership Rewards points after you make {$15000.00} or more of eligible purchases on the XXXX XXXX XXXX  during the first 3 months of Card Membership. 
* Spend requirement : Completed within required timeframe. 
* Bonus received : Yes, confirmed in Membership Rewards history. 
* Bonus rescinded : XX/XX/year>. 
* Account status : Later closed voluntarily by cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent three certified dispute letters to the credit bureaus ( XXXX, Experian, and XXXX  ) requesting the removal of inaccurate student loan accounts from my credit reports. These letters were sent under my rights granted by the Fair Credit Reporting Act ( FCRA ).

Despite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within 30 days.

These student loans are not accurate, are damaging my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is 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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, that they be corrected or 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 explanation
Consumer complaint received 2025-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need a full detailed verification of the debts that are charged off in full details like required by law United States Code 1681 7.

Now I am requesting for Dofd ( date of first delinquency ). I have discoved none matching dofd. I am using the laws of 15 usc 1637A and 15 usc 166B. Usc means United States codes I am disputing the XXXX days late accounts. Today is XXXX XXXX and you will have only 15 calendar days to respond by XX/XX/2025 the latest. Your last verification of the same accounts were not verified correctly. You need to verify the debts correctly or remove them from my credit report as not verified like required by law. This is your last chance. This will be in the federal court house as no compliance as required by law. You will be fined {$10000.00} for damages plus {$1000.00} per violation as required by law.

Ucc 1-308 Without recourse 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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, that they be corrected or 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 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Skopos Financial, LLC
State: CA

Complaint narrative:
Horrific experience by predatory lender. They offered me a roughly 25 % rate, but by the time they " finalized the application '' it grew to 35 %. They do this because they know their customers are desperate. I foolishly accepted, then paid off my loan early. They tried to punish me by delaying release of the title to my car. Then, they overcharged me on my loan, and charged me a 25 % fee to get back the amount they overcharged me. When I complained, they fraudulently opened a new application in my name then denied it in order to damage my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these accounts be reviewed, and if they can not be verified as correct, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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