vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
On my Experian credit report dated XX/XX/XXXX, Experian is reporting XXXX conflicting entries for the same Capital XXXX account ( # XXXX, opened XX/XX/XXXX ). 
Entry XXXX ( updated XX/XX/XXXX ) : Balance = {$0.00}, XXXX XXXX = {$500.00}, Highest Balance = {$680.00}, Monthly Payment = {$0.00}. 
Entry XXXX ( updated XX/XX/XXXX ) : Balance = {$3100.00}, XXXX XXXX = {$3300.00}, Highest Balance = {$3600.00}, Monthly Payment = {$100.00}. 
These XXXX entries are contradictory and can not both be accurate for the same account. 
This violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. I previously disputed this with Experian, but the issue remains unresolved. Their notes state, Account previously in dispute investigation complete, reported by data furnisher, yet the contradictory entries remain. 
XXXX XXXX Compliance Violations XXXX Tradeline Issue The same Capital XXXX account is being reported twice with different data. XXXX XXXX requires tradelines to be reported consistently under the same account number and identifiers ( Date Opened, XXXX XXXX, etc. ). Duplicate conflicting entries violate XXXX XXXX reporting standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports Balance = {$0.00}, XXXX XXXX = {$500.00}. 
Entry XXXX reports Balance = {$3100.00}, XXXX XXXX = {$3300.00}. 
XXXX XXXX field definitions require XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX accurate and consistent across reporting cycles. These contradictions demonstrate non-compliance. 
XXXX XXXX XXXX ( CCC ) Misuse Experian marked the account as previously in dispute investigation complete but left conflicting entries active. Under XXXX XXXX, the proper dispute code ( e.g., XXXX XXXX disputes, reinvestigation in process ) should have been applied consistently until 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MO

Complaint narrative:
XXXX through the XXXX main credit bureaus, disputed L J Ross & Associates, they are a collection account on my credit report. I have no idea of the debts. I have contacted all 3 main credit bureaus disputing them. Only has been removed from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
There are collection accounts shown on my credit report that I believe contain errors. Under my rights granted by 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to an accurate and verifiable credit report. I am requesting a thorough review of these entries, and if they can not be confirmed as accurate, I ask that they be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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 am concerned about these accounts, which I did not authorize and believe to be fraudulent. I kindly request your help in investigating and removing them. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$94.00} Unauthorized Inquiries to Be Deleted : ONEMAIN Date : XX/XX/XXXX These accounts and inquiries are fraudulent. Under FCRA XXXX and the Identity Theft and Assumption Deterrence Act, I am exercising my rights as a consumer and demanding that all fraudulent information listed above be : Blocked and removed from my credit report within XXXX business days of receipt of this notice. 
That a copy of the updated report be sent to me once the deletions are complete. 
That all parties who have accessed these accounts or information in the last XXXX months be notified of the deletions under FCRA 611 ( d ).

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 2025-09-08 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:
I disputed each of the following accounts Creditor Name : XXXX XXXX Account # : XXXX Creditor Name : XXXX Military Credit Account # : XXXX Creditor Name : XXXX XXXX Account # : XXXX Creditor Name : Target Circle Account # : XXXX Creditor Name : XXXX XXXX XXXX XXXX Account # : XXXX Each one of them have in correct information. The inaccuracies are violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I told them you are required by law to conduct a reasonable investigation of this dispute and remove any unverifiable or inaccurate information. Yet the information did not change. All of my accounts are current and paid in full. Yet they are still reporting information that is miss leading and making very hard for me to obtain a rental property or buy a house.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am tired of dealing with this issue. Unauthorized accounts that do not belong to me keep showing up on my credit report. I never opened them, I never agreed to them, and I never received any notice about them. The fact that each bureau reports something different only adds to the mess.

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 2025-09-08 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 am writing to dispute these accounts, which I believe to be fraudulent. I kindly request your help in removing them from my report. Supporting proof has been enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 am disputing an inaccurate collection account being reported on my TransUnion credit file by XXXX XXXX XXXX XXXX ( XXXX ) This account is reporting a balance of over {$50000.00} for a move-out in XX/XX/XXXX. However, the documentation provided by the furnisher is contradictory, outdated, and fails to establish liability for this debt. 
XXXX. XXXX XXXX : The lease contract provided by the furnisher is dated XX/XX/XXXX XX/XX/XXXX. This does not cover the alleged debt period of XX/XX/XXXX. The lease they rely on expired before the period they are charging for. This is not proper validation under FDCPA 15 U.S.C. 1692g ( b ). 
XXXX. Inconsistent Balances : The account has been reported at different balances : originally $ XXXX, then reduced to ~ {$50000.00}, and later inflated again with interest to over {$55000.00}. These inconsistent and inflated amounts violate FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information.

3. Lack of Proof of Liability : The furnisher claims I failed to give a XXXX notice or return keys, but has not provided any documentation proving that. The burden of proof is on the furnisher, not the consumer. Reporting speculation as fact is a violation of the FCRA and FDCPA. 
XXXX. Prior Bureau Deletion : XXXX of the credit bureaus I recently disputed with has already deleted this account from my credit report due to these same inaccuracies. TransUnion is ( now ) still reporting it, despite the information being unverifiable.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year>, XXXX Expense ; The Third Party Personal Expense reimbursement provider made a direct deposit of {$3000.00}. These funds are a reimbursement from my employer for a work related. I have been in close contact with my employers HR team in regards to when these funds would be deposited into my bank account. In anticipation of these funds being direct deposited I spent funds against this account, only to find out today XX/XX/year> that they direct deposit has not been made available in my account. Due to this, my account is now overdrawn, allowing the bank to collect overdraft fees against my account. This bank has deliberately withheld deposits for their own financial benefit multiple documented times, and XXXX light of this situation again I am hoping the CFPB will reconsider my last complaint against this establishment for the same actions less than 6 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX XXXX cash app closed my account and Im still unaware of reasoning. When I contacted customer service about releasing my funds they would not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX BANK DELAWARE - Account Number : XXXX * * * * * * * * * * * *, Date Opened : XX/XX/year>, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company 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 2025-09-08 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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

Company 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 2025-09-08 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: NY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX These accounts and inquiries are fraudulent. Under FCRA 605B and the Identity Theft and Assumption Deterrence Act, I am exercising my rights as a consumer and demanding that all fraudulent information listed above be : Blocked and removed from my credit report within four business days of receipt of this notice.

That a copy of the updated report be sent to me once the deletions are complete.

That all parties who have accessed these accounts or information in the last six months be notified of the deletions under FCRA 611 ( d ).

Company response to consumer: Closed with non-monetary relief