vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting Under 15 U.S. Code 1681e To Whom It May Concern : I am writing to formally dispute inaccurate information being reported on my credit file in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to adopt reasonable procedures to ensure maximum possible accuracy of the information reported. The errors identified on my report are unacceptable, and I demand immediate correction. 

The specific inaccuracies in question are as follows : ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to maintain procedures to ensure maximum possible accuracy. The inaccuracies in my report are clear violations of this standard. Furthermore, under 15 U.S. Code 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information and resolve the matter within 30 days. 

If you are unable to verify the accuracy of the disputed information within the statutory timeframe, the law mandates its deletion from my credit file. Failure to comply will result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies if necessary. 

Resolution Requested I demand the following actions : 1. Conduct a thorough investigation into the inaccuracies listed above.

2. Remove or correct the inaccurate information from my credit file.

3. Provide me with written confirmation of the actions taken, including a revised credit report.

4. Identify the sources of the disputed information.

Final Notice I expect a written response within 30 days, as required by law. Failure to address this dispute adequately may result in legal action to enforce my rights under the Fair Credit Reporting Act and recover damages caused by your negligence. 

Thank you for your prompt attention to this matter. I can be reached at [ Your Phone Number ] or [ Your Email Address ] if you require further clarification or additional documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting Under 15 U.S. Code 1681e To Whom It May Concern : I am writing to formally dispute inaccurate information being reported on my credit file in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to adopt reasonable procedures to ensure maximum possible accuracy of the information reported. The errors identified on my report are unacceptable, and I demand immediate correction. 

The specific inaccuracies in question are as follows : ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute Under 15 U.S. Code 1681e ( b ), your agency is legally obligated to maintain procedures to ensure maximum possible accuracy. The inaccuracies in my report are clear violations of this standard. Furthermore, under 15 U.S. Code 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information and resolve the matter within 30 days. 

If you are unable to verify the accuracy of the disputed information within the statutory timeframe, the law mandates its deletion from my credit file. Failure to comply will result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies if necessary. 

Resolution Requested I demand the following actions : 1. Conduct a thorough investigation into the inaccuracies listed above.

2. Remove or correct the inaccurate information from my credit file.

3. Provide me with written confirmation of the actions taken, including a revised credit report.

4. Identify the sources of the disputed information.

Final Notice I expect a written response within 30 days, as required by law. Failure to address this dispute adequately may result in legal action to enforce my rights under the Fair Credit Reporting Act and recover damages caused by your negligence. 

Thank you for your prompt attention to this matter. I can be reached at [ Your Phone Number ] or [ Your Email Address ] if you require further clarification or additional documentation. 

Sincerely, 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I began receiving multiple phone calls per day from a company identifying itself as CCL. The callers claimed to be attempting to collect a debt, but I have never opened any account, signed any agreement, or entered into any financial contract with this company. 

The company has not provided any written notice of the alleged debt or any validation documentation, despite my repeated requests for proof. I specifically instructed them to cease all phone calls until written proof of the debt could be provided, but they have continued to call me multiple times daily from different phone numbers. 

This ongoing contact has become harassing and appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits continued communication after a consumer requests verification and asks for contact to stop. 

I reviewed my credit reports and discovered that XXXX is attempting to report an account in my name. I dispute the accuracy of this information because I have no record or knowledge of any account with them. I believe this is either an error or possible identity theft. 

I have sent a written cease and desist and debt validation request under the FDCPA ( 15 U.S.C. 1692g and 1692c ( c ) ), asking them to stop calling and provide proof of the debt, including the original signed agreement. They have not provided any validation and continue calling in violation of the law.

I am requesting that the CFPB require the company to : Stop all phone contact immediately. 

Provide verifiable proof of any alleged debt, including the original signed contract. 

Remove any negative or inaccurate reporting from my credit reports until proper validation is completed.

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 2025-10-21 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:
Disputed accounts should be erased in a lawful and prompt manner.

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 2025-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I made a purchase XXXX for XXXX on XXXX  I did not attend the trip and i am Not getting a response from the company I was told the manger went on vacation and that no one can do anything. I would just like my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
THIS ACCOUNT IS FRAUDULENTLY ASSOCIATED WITH MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A single account on my credit report is being affected by bank errors in billing and reporting. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to ensure payments and credits are accurately reflected. However, payments I made were not properly recorded, and there are clear calculation discrepancies in the reported amounts. Furthermore, I was never provided with the required 21-day notice before the payment due date, making any reported late payments invalid. These errors violate federal law and have unfairly damaged my credit standing.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-10-21 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against [ Insert Bureau Name ] for inaccurate and unverifiable information being reported on my credit file. 

On XX/XX/year>, the company acknowledged the complaint and stated they were working on the issue. 

Then, on XX/XX/year>, I received a physical letter from the company stating that they had verified all disputed information without providing any documentation or explanation of the verification process, in direct violation of 15 U.S.C. 1681i ( a ) ( 7 ) which requires them to disclose the method of verification. 

Subsequently, they responded via the CFPB portal that they were unable to respond due to lack of information. This is both misleading and contradictory, as they previously claimed to have verified the information and had mailed me a letter stating such. 

Their responses are inconsistent and do not comply with federal consumer protection laws. They are failing to verify the disputed information, refusing to provide evidence, and continuing to report data that is inaccurate, unverifiable, and harmful to my credit profile. This is willful noncompliance with the Fair Credit Reporting Act and should result in the immediate deletion of all disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to dispute the recent closure of my Cash App account due to an alleged violation involving gambling activity. I would like to formally state that I have never used my Cash App account for gambling or any gambling-related transactions. 



My Cash App account has been used strictly for legitimate business and personal purposes, specifically for receiving payments for my cake business, hair services, and occasionally for purchasing sporting event tickets. None of these transactions involve or relate to gambling in any form. 



I take this matter seriously, as Cash App has been an important part of my business operations. I respectfully request that my account be reviewed and reinstated, or that a clear explanation and proof of the alleged gambling activity be provided. 



If needed, I am willing to provide receipts, transaction details, or documentation verifying that all payments were lawful and unrelated to gambling. 



Please investigate this matter and respond promptly with an update. I appreciate your attention to resolving this issue fairly and quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Ascent Holding Co
State: OH

Complaint narrative:
I applied for financing through Ascent Funding for a XXXX XXXX XXXX around XXXX XXXX, but I never signed any enrollment contract or agreement authorizing the loan. Despite that, Ascent Funding and XXXX  XXXX XXXX XXXX disbursed funds to XXXX XXXX and later reported the loan to my credit. 

This loan was unauthorized - no consent, no signed document, and no legitimate enrollment ever occurred. After the disbursement, the account appeared on my credit report and immediately lowered my credit score.

As a result, I was denied by multiple lenders when trying to purchase a vehicle. I had to apply through XXXX different banks, resulting in XXXX additional hard inquiries. Because of the damaged credit-to-debt ratio, I was forced to buy a less expensive vehicle at a higher APR, causing financial and emotional harm.

When I contacted Ascent Funding, I requested a copy of the signed enrollment contract or any proof of authorization. They failed to provide any documentation. Instead, the company began making payments on the account on my behalf- further confirming that they were aware the loan had been disbursed improperly. 

I am requesting a full investigation into how this loan was opened and disbursed without my authorization, its immediate removal from all credit bureaus, and appropriate compensation for the damages caused by this negligent and unauthorized action.

Parties involved : Ascent Funding XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
In XX/XX/year>, my mortgage servicer, XXXX XXXX, reported a XXXX late payment on my mortgage account to the credit bureaus. This payment was delayed as the direct result of a catastrophic and life-threatening medical emergency I experienced in XX/XX/year>. This crisis involved multiple emergency room hospitalizations, extensive diagnostic testing, and resulted in significant medical debt and a period of physical and financial incapacitation. 

On or around XX/XX/year>, I submitted a formal written dispute and request for a goodwill adjustment to XXXX 's designated address. This package included a detailed cover letter, a complete timeline of events, and was supported by extensive medical documentation proving the severity and financial impact of the medical crisis. 

On XX/XX/year>, XXXX responded with a generic, templated email. This response stated they were " unable to determine that any error has occurred '' and that they " can not extend a favor or courtesy ''. This indicates that they failed to conduct a reasonable investigation into my dispute, as it did not acknowledge the specific evidence provided. 

Despite their failure to properly investigate, I have since brought the account completely current, and there is no outstanding balance. I am filing this complaint because XXXX is damaging my credit by reporting this one-time late payment, which does not accurately reflect my payment history and was the direct result of a documented, unavoidable medical emergency.

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 2025-10-21 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: TX

Complaint narrative:
In XX/XX/year>, my mortgage servicer, XXXX XXXX, reported a 30-day late payment on my mortgage account to the credit bureaus. This payment was delayed as the direct result of XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I experienced in XX/XX/year>. This crisis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  financial incapacitation. 

On or around XX/XX/year>, I submitted a formal written dispute and request for a goodwill adjustment to XXXX 's designated address. This package included a detailed cover letter, a complete timeline of events, and was supported by extensive XXXX  documentation proving the severity and financial impact of the XXXX crisis. 

On XX/XX/year>, XXXX responded with a generic, templated email. This response stated they were " unable to determine that any error has occurred '' and that they " can not extend a favor or courtesy ''. This indicates that they failed to conduct a reasonable investigation into my dispute, as it did not acknowledge the specific evidence provided. 

Despite their failure to properly investigate, I have since brought the account completely current, and there is no outstanding balance. I am filing this complaint because XXXX is damaging my credit by reporting this one-time late payment, which does not accurately reflect my payment history and was the direct result of a documented, unavoidable 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 non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  Experian aren't disputing accounts on my credit report and removing them

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 2025-10-21 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation