vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for failing to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) after I submitted disputes regarding XXXX inaccurate accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX : Account Ending in XXXX ( TransUnion XXXX Equifax ) This account is being reported with multiple conflicting entries across TransUnion and Equifax. The balance, dates, and status are inconsistent, and derogatory updates continue monthly despite : A binding XXXX arbitration case filed : # XXXX A lawsuit dismissed on XX/XX/XXXX in relation to this debt These facts were included in my prior disputes, yet no proper reinvestigation occurred. The continued reporting violates FCRA 1681i ( failure to reinvestigate ) and 1681e ( b ) ( failure to ensure maximum accuracy ). This conduct is also contrary to recent precedent in XXXXXXXX XXXX TransUnion ( XXXX. XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ). 
XXXX XXXX XXXXXXXX XXXX XXXX  : Account Ending in XXXX ( Experian, Equifax, TransUnion ) This charged-off credit card account is being inaccurately reported by all three CRAs. The current balance of {$8000.00} exceeds the original credit limit of {$6700.00} and each bureau reports conflicting data including different dates of last activity and inconsistent dispute notations. 
I have also requested clarification as to whether a Form 1099-C was issued, which if confirmed would legally extinguish the debt. The continued reporting of a collectible balance under such conditions is misleading and in violation of FCRA 1681e ( b ) and 1681s-2 ( b ), as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax ( XXXX. XXXX XXXX ). 
Both accounts were formally disputed with all applicable CRAs, yet remain unresolved or unchanged a violation of FCRA and also Virginia Code 59.1-200 ( A ) ( 14 ), which prohibits deceptive or misleading conduct in consumer reporting. 
I am requesting permanent deletion of both accounts due to procedural violations, legal misrepresentation, and failure to meet federal and state accuracy standards. I am uploading a supporting legal brief and redacted credit report to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year>2025 To Whom It May Concern, This letter is a formal dispute of the XXXX XXXX account ending in XXXX, reported as a charge-off as of XX/XX/year>2025. 

Under the Fair Credit Reporting Act ( FCRA ) 623, I dispute the accuracy and completeness of the information being reported. You are required to conduct a reasonable investigation and verify the validity of the debt, including a complete chain of account ownership, original signed agreement, and a detailed payment history.

Additionally, under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of the debt, including the breakdown of the {$870.00} balance, and proof that the alleged amount is accurate and legally owed.

If you can not provide this within 30 days, you are required to remove the account from all consumer reporting agencies under FCRA 611. Failure to comply will result in a formal complaint with the CFPB and potential legal action. 

Sincerely, 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am a victim of identity theft. My credit report contains accounts and inquiries I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these items. Enclosed are a list of the disputed entries and my FTC Identity Theft Report.

Please confirm once the corrections are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MT

Complaint narrative:
o Whom It May Concern, I am writing to report a fraudulent job scheme that caused me significant financial harm. The scam operated through XXXX, used a fake investment platform called XXXX, and involved cryptocurrency paymentsprimarily through XXXX and Cash App. 

XXXX. How the Scam Started I was contacted by individuals about a remote online job opportunity. They had me : Download XXXX as the main communication tool. 

Join a group chat with almost XXXX people that appeared to be active. 

Complete simple tasks like watching XXXX videos, liking them, and sending screenshots. 

I was told : After completing XXXX tasks, I would receive a sign-on bonus of {$680.00}. 

Each video task paid around {$3.00} to {$13.00}, increasing as I went higher. 

I actually received one payment to my Cash App, which helped me believe the job was legitimate. 

XXXX. Transition to XXXX XXXX XXXX After several tasks, they claimed I had " leveled up '' and now had to complete investment tasks to receive my {$680.00} bonus. 

This is where things changed : They required me to buy XXXX and use a site called XXXX. 

The first task required a {$36.00} investment for a 30 % return in XXXX hour. 

I didnt have the funds and had to borrow {$36.00} to participate. 

I was never allowed to withdraw my earningsinstead, I was told I had to keep reinvesting into higher-priced tasks. 

Eventually, they asked me to invest {$150.00}, promising it would unlock the {$680.00}. After I did that, they refused to give me a withdrawal code and instead showed me XXXX new options, the lowest being {$540.00}. 

When I told them I couldnt afford it, I begged for my {$680.00} back, but they refused and pressured me to invest more. 

XXXX. Use of XXXX to Control My Funds They instructed me to use the XXXX platform, where : I deposited XXXX. 

They were able to control the funds remotelyadding and withdrawing money from my balance without my full control. 

XXXX is now withholding my funds, and I can no longer withdraw anything. Ive since learned XXXX is widely reported as a scam platform, known to : Lock users money. 

Refuse withdrawals. 

Impersonate real trading platforms. 
Continuous added fees and a lot of people never seeing there money 4. Financial & Emotional Harm I lost the money I invested and borrowed. 

I was manipulated using psychological tactics, urgency, and fake community. 

They used small real payouts to gain trust before demanding larger amounts. 

The group chat had nearly XXXX participants, many of whom were likely victims or fake accounts. 

The moment I start asking questions I was immediately kicked out of the group chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I have recently been made aware of a late payment listing on my credit file. I firmly believe this to be a mistake, as I have always fulfilled my payment obligations promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against Jefferson Capital Systems LLC ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) for multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
This collection agency has engaged in practices that are not only deceptive and unfair but also in direct violation of federal regulations. I respectfully request that the Consumer Financial Protection Bureau investigate the following violations : 1. Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has reported a debt to the consumer reporting agencies without first providing me with the required validation information. I have not received any written notice that clearly identifies the debt, the name of the creditor, or my rights regarding dispute and verification. This violates the federal requirement that such information must be disclosed in the initial written communication or within five days thereafter.

2. No Opportunity to Dispute the Debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : The collection agency has failed to inform me of my right to dispute the validity of the debt within 30 days. I was not provided with notice of this right prior to or after the debt was reported. As a result, I have been denied the opportunity to contest the alleged debt, in violation of my consumer protections under the FDCPA.

3. Use of False, Misleading, or Deceptive Means ( 15 U.S.C. 1692e ) : The collection agency is using deceptive and misleading practices in an attempt to collect the alleged debt. Reporting unverified information to consumer reporting agencies without proper notice and failing to provide the required disclosures constitutes the use of false representation and deceptive means, which are expressly prohibited by federal law.

4. Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) : The agency has furnished negative information to credit reporting agencies without first notifying me of their intent or providing the legally required disclosures. This act is in direct violation of federal requirements, including the duty to inform the consumer before reporting such information and to furnish only accurate, verified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XX/XX/XXXX. Hope you can address this soon, please.

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 2025-07-24 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-24 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PLAZA HOME MORTGAGE, INC.
State: NY

Complaint narrative:
I financed a home in XXXX through XXXX XXXX, and the mortgage was sold to PLAZA Home Mortgage. I refinanced in XXXX and Plaza HM was paid off. They filed an incorrect discharge of mortgage with the clerk 's office which was rejected because it was incorrect. Plaza HM never corrected the issue. Now I am selling the home and they are refusing to work with me, telling me it can take XXXX  days for the process and they only have to update some minor details. At this point, each day that passes is costing me money to rent back my old home and holding up the purchase of my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AR

Complaint narrative:
Experian is inaccurately reporting a 30-day late payment on my XXXX XXXX XXXX auto loan for XX/XX/XXXX and XX/XX/XXXX. I was never late. The tradeline is marked Paid, Closed, and no delinquency occurred. I provided factual data, yet Experian verified this error without proper investigation, in violation of FCRA 1681i ( a ) and 1681s-2 ( b ). The reinvestigation failed to correct false information. This account is misrepresenting my payment history and damaging my credit.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report multiple derogatory, inaccurate, and disputed accounts that are causing serious harm to my credit profile, rental applications, and auto financing opportunities. 

These accounts have been previously disputed and are still appearing, even though the furnishers have failed to provide proper validation under federal law. At this point, the information being reported is unverified, incomplete, and potentially incorrect, and it must be deleted. 

The following credit reporting violations are taking place : FCRA 611 ( a ) Any information that can not be verified must be deleted FCRA 611 ( a ) ( 5 ) ( B ) If an item is reinserted after deletion, I must be notified in writing ( which never happened ) FCRA 623 ( b ) Furnishers are not responding to disputes with proper documentation FCRA 607 ( b ) Duplicate or misleading reporting is being allowed by the bureaus FCRA 605B Items possibly linked to past fraud or breach should be suppressed The accounts in question include : XXXX XXXX  Multiple entries for the same debt ; already disputed and reappearing XXXX  / XXXX XXXX Account not recognized at all XXXX XXXX XXXX account with unresolved issues Discover, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Charged-off, sold, or closed but still reported derogatorily XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Closed or paid accounts still reported as delinquent or past due I am demanding that all of the above accounts be permanently deleted within 30 days. If the bureaus and data furnishers are unable to verify these accounts with full legal documentation, then by law, they must be removed. 

You are not authorized to update, reinsert, or retain any of this disputed information unless you can fully verify its accuracy and ownership. If you can not match or validate this information through your internal systems or third-party data, it is your legal responsibility to delete it. 

I expect : 1. Immediate investigation into the violations above 2. Permanent deletion of all unverifiable or unresolved items 3. Written confirmation of deletion within 30 days 4. Enforcement penalties under FCRA 616 and 617 for failure to comply If this is not resolved promptly, I will escalate this case to state and federal regulators and seek legal remedies for ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report multiple derogatory, inaccurate, and disputed accounts that are causing serious harm to my credit profile, rental applications, and auto financing opportunities. 

These accounts have been previously disputed and are still appearing, even though the furnishers have failed to provide proper validation under federal law. At this point, the information being reported is unverified, incomplete, and potentially incorrect, and it must be deleted. 

The following credit reporting violations are taking place : FCRA 611 ( a ) Any information that can not be verified must be deleted FCRA 611 ( a ) ( 5 ) ( B ) If an item is reinserted after deletion, I must be notified in writing ( which never happened ) FCRA 623 ( b ) Furnishers are not responding to disputes with proper documentation FCRA 607 ( b ) Duplicate or misleading reporting is being allowed by the bureaus FCRA 605B Items possibly linked to past fraud or breach should be suppressed The accounts in question include : XXXX XXXX  Multiple entries for the same debt ; already disputed and reappearing XXXX  / XXXX XXXX Account not recognized at all XXXX XXXX XXXX account with unresolved issues Discover, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Charged-off, sold, or closed but still reported derogatorily XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Closed or paid accounts still reported as delinquent or past due I am demanding that all of the above accounts be permanently deleted within 30 days. If the bureaus and data furnishers are unable to verify these accounts with full legal documentation, then by law, they must be removed. 

You are not authorized to update, reinsert, or retain any of this disputed information unless you can fully verify its accuracy and ownership. If you can not match or validate this information through your internal systems or third-party data, it is your legal responsibility to delete it. 

I expect : 1. Immediate investigation into the violations above 2. Permanent deletion of all unverifiable or unresolved items 3. Written confirmation of deletion within 30 days 4. Enforcement penalties under FCRA 616 and 617 for failure to comply If this is not resolved promptly, I will escalate this case to state and federal regulators and seek legal remedies for ongoing harm.

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 2025-07-24 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: MI

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for their repeated failure to address disputes Ive submitted regarding inaccurate and potentially unverifiable information appearing on my credit report. Despite multiple dispute submissions, the credit bureaus have not provided any adequate response or action that complies with the Fair Credit Reporting Act ( FCRA ). 

Most recently, I submitted formal disputes to correct a series of personal information errors, outdated accounts, and questionable hard inquiries. Instead of conducting a thorough reinvestigation or providing the legally required explanation under 15 U.S.C. 1681i ( a ) ( 7 ), the bureaus returned vague verified responses without supplying any of the required verification documentation. 

Unresolved Disputed Items : Inaccurate Personal Information Former Name : XXXX XXXX Former Name : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Employer : XXXX XXXX Employer : XXXX XXXX Bankruptcy Filings ( Unverified/Unvalidated ) XXXX  XXXX Case # : XXXX XXXX  XXXX Case # : XXXX Unauthorized or Unverified Inquiries XXXX Credit inquiries from multiple financial institutions including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Derogatory Accounts & Late Payments XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Late Payments ( Closed/Paid ) XXXX XXXX XXXX Charge Off XXXXXXXX XXXX  XXXX Charge Off XXXX XXXX XXXXXXXX XXXX Legal Violations : The credit bureaus are in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) Failure to reasonably reinvestigate disputed information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Despite being legally obligated, none of the credit bureaus have provided : The method and process used to verify any of the disputed accounts or records The name, title, and contact details of the person or company who furnished the data Documentation or evidence used to confirm the reported information

Company response to consumer: Closed with explanation