vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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 am filing this complaint because my Experian credit report contains inaccurate and unauthorized information, specifically unverifiable collection accounts and/or charge-offs. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) by previously disputing these entries, yet the credit reporting agency has continued to report them without proper investigation or verification, in direct violation of 15 U.S.C. 1681i and 1681e ( b ). These accounts were never authorized by me, and no supporting documentationsuch as signed contracts or written consenthas been provided, as required under the law.

Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/ChargeofXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED/Late 120 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Not mine/I don't have the card - XX/XX/XXXX The continued reporting of this inaccurate information despite being notified constitutes willful noncompliance under 15 U.S.C. 1681n, which entitles me to statutory damages. It also demonstrates negligent failure to maintain reasonable procedures to ensure maximum possible accuracy, in violation of 1681o.

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 2025-07-23 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 a victim of identity theft, and have received notifications that my information has been involved in the Equifax, Transunion, and Experian data breaches. I have incorrect and inaccurate information that is shown on my credit report that is causing financial hardships, as well as preventing me from obtaining from obtaining credit from lenders. I have also received from identity monitoring services that my information has been exposed to the dark web.

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 2025-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An account was fraudulently opened in my name with XXXXXXXX XXXX. I did not authorize or open this account. I filed identity theft disputes with XXXX  and XXXX. XXXX  has removed the account, and XXXX  no longer shows it on my report. However, Experian has refused to remove the account despite my dispute and identity theft claim. The dispute with Experian was closed without resolution, and the fraudulent account remains on my report.

I submitted a dispute to Experian, but their investigation did not resolve the issue. I also attempted to speak with Experians identity theft department but was kept on hold for over 40 minutes with no
resolution. I have not received any documents or communications from XXXX XXXX  regarding the account. 

I am in the process of filing a police report and requesting a 605B block under the FCRA. I have taken all proper steps to resolve this through normal dispute channels and am now escalating this complaint for further 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 explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
T

his is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-07-23 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-23 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:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: WA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am formally submitting this complaint regarding multiple collection accounts that includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have been wrongfully reported to my credit file. These accounts are not accurate, not authorized by me, and I believe they are either the result of identity theft, reporting errors, or violations of the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes with the credit bureaus and the collection agencies, the items remain on my report, damaging my creditworthiness and causing undue financial and emotional harm.

I have not received proper validation or verification of these debts. Under the FCRA and FDCPA, I have the right to request validation of any debt, and until such verification is provided, these accounts should not be reported.

Furthermore, some of these collections may be associated with fraudulent activity or were opened without my knowledge or consent. I have submitted an FTC Identity Theft Report and submitted written disputes to the reporting agencies and furnishers. They have either failed to respond adequately or continued reporting inaccurate information in violation of federal law.

I am requesting that the CFPB take immediate action to investigate these accounts and hold the data furnishers and credit reporting agencies accountable. I am also requesting that these collection accounts be permanently removed from my credit report and that I be notified once the corrections have been made.

The continued reporting of these inaccurate and/or fraudulent collections is preventing me from securing housing, employment, and financial stability.

Thank you for your assistance in protecting my consumer rights and helping me restore the accuracy of my credit profile.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have a Lien filed against Bank of America collecting daily interest {$9000.00} per Day since XX/XX/XXXX. Illegal forclosure loan modification was done that removed my name from the property illegally done by Bank of America. They foreclosed police escorted me out of shower - wrongful Writ of Possession was granted to XXXX XXXX for XXXX XXXX. XXXX just resold my home XX/XX/XXXX. I am seeking to collect 1/2 of daily interest accumulated since XXXX from Bank of America ( ( {$10.00} XXXX is XXXX ). Thank You 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 2025-07-23 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted. 
COMPANY INFORMATION ( XXXX  ) : Please delete the following accounts : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-23 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: MA

Complaint narrative:
Ive disputed this account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for over 6 months directly with the credit bureaus, yet it continues to report inaccurate and incomplete data in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. Each dispute has been met with a generic " verified as accurate '' response, despite clear evidence that this account was resolved through litigation and should no longer be reporting as active or in collection. 

The current reporting fails to reflect the resolved legal status, shows an inaccurate {$5000.00} balance, and violates FCRA 1681e ( b ) and 1681i. The data furnisher and credit bureaus have not conducted a meaningful reinvestigation. It also lacks the proper compliance condition codes per Metro 2 ( Fields 11, 17, 38 ) and fails to mark the tradeline as disputed under 1681s-2 ( a ) ( 3 ). This behavior is deceptive and may also violate the FDCPA 807 ( 2 ) ( A ). I am now requesting enforcement action and immediate removal.

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 2025-07-23 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: MA

Complaint narrative:
Ive disputed this account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for over 6 months directly with the credit bureaus, yet it continues to report inaccurate and incomplete data in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. Each dispute has been met with a generic " verified as accurate '' response, despite clear evidence that this account was resolved through litigation and should no longer be reporting as active or in collection. 

The current reporting fails to reflect the resolved legal status, shows an inaccurate {$5000.00} balance, and violates FCRA 1681e ( b ) and 1681i. The data furnisher and credit bureaus have not conducted a meaningful reinvestigation. It also lacks the proper compliance condition codes per Metro 2 ( Fields 11, 17, 38 ) and fails to mark the tradeline as disputed under 1681s-2 ( a ) ( 3 ). This behavior is deceptive and may also violate the FDCPA 807 ( 2 ) ( A ). I am now requesting enforcement action and immediate removal.

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 2025-07-23 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: TN

Complaint narrative:
This inquiry is unauthorized and I demand that it be removed under FCRA 1681i ( a ). Provide full documentation proving permissible purpose. If none exists, this must be deleted.

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 2025-07-23 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Block, Inc.
State: TX

Complaint narrative:
I have been using cashapp for years now. Everything on my account is correct, my name, age, workplace, income, address, social security, etc. I have had no issues using it until now. Cashapp is requesting I reverify my account which I have no problem doing, except I keep getting the same response over and over. That something doesnt match and I cant verify myself. I have contacted the support, and all they can do is restart the verification process, but I still receive the same response and the support can not tell me specifically what is wrong. Im not sure what to do now, I just want to use cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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