vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding inaccurate and unverifiable information appearing on my credit reports with Equifax, Experian, and TransUnion. I am requesting a full investigation and deletion of any items that can not be 100 % verified in compliance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 

I have reviewed my credit reports and found multiple accounts, inquiries, and/or negative items that appear outdated, incomplete, or unverifiable. According to the FCRA, all reporting agencies must ensure that consumer information is accurate and verifiable. If the bureaus are unable to verify the accuracy of the items in question, they are required by law to delete them immediately. 

I respectfully request that the CFPB ensure that each credit bureau : 1. Conducts a full investigation of my credit file.

2. Deletes any and all inaccurate, unverifiable, or outdated information.

3. Provides me with written confirmation of the results and an updated credit report. 

My goal is to ensure that my credit reports are fully accurate, fair, and compliant with federal law. Thank you for your assistance and oversight in this matter. 

Sincerely, [ XXXX XXXX XXXX ] Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am challenging the reporting of late payments and delinquency on my accounts, as those entries do not reflect the actual agreement or payment history. I request that the entries be corrected to Paid as Agreed and that any indication of delinquency be expunged.I am challenging the reporting of late payments and delinquency on my accounts, as those entries do not reflect the actual agreement or payment history. I request that the entries be corrected to Paid as Agreed and that any indication of delinquency be expunged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I want to report CASHAPP. I keep reporting cashapp because I got scammed of {$3000.00} and time and time again I explain what happen and send screenshots and they keep denying me. The company is no help. Ive disputed this 3-7 times. Ive talked to customer service multiple times. This is exhausting. The person that scammed me, if you look at their transactions, probably had thousands similar to mine because he is a scammer. He told me to send him money and he would make a payment for me, but then blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am submitting this formal dispute regarding multiple entries on my credit report that are inaccurate, unverifiable, and damaging. I am requesting permanent removal of these items, as they can not be substantiated by the furnishers or meet federal verification standards. 
The following late/closed accounts is being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} This account is reported as late/closed, yet my records show a XXXX balance and no delinquency. Reporting a closed account with a XXXX balance as late is misleading and violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which ensures consumers can dispute inaccurate information and have it removed if unverifiable. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting false information, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates maximum possible accuracy. Because this account can not be verified as late, it must be permanently removed. 
The following charged-off accounts are also disputed : XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3300.00} These accounts are reported as charged-off, but no 1099-C forms have been issued for debts exceeding {$600.00}. This lack of documentation indicates the debts can not be legally verified. Continuing to report these accounts violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and FCRA 605B / 15 U.S.C. 1681c-2, which require unverifiable information to be blocked or deleted. I am therefore requesting permanent removal of these accounts from my credit report. 
In addition, I dispute the following unauthorized inquiries, which were made without my consent or permissible purpose : 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 These inquiries violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining a consumer report under false pretenses or without a legitimate purpose. Since I did not authorize these inquiries, I am requesting that they be permanently removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: SC

Complaint narrative:
BECU has withheld my funds without providing a written explanation, case number, or ETA despite multiple requests. I was told a fraud review existed but no one has contacted me or documented the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am submittng to formally dispute inaccurate and obsolete information currently being reported on my credit file. After carefully reviewing my credit report, I discovered several inconsistencies that are negatively impacting my credit profile and do not comply with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} I would also like to emphasize that under FCRA XXXX ( a ) ( XXXX ), furnishers of information have an obligation to accurately report the Date of First Delinquency ( DOFD ). If these accounts have been closed or paid for several years, they may now be beyond the seven-year reporting period and should no longer appear on my credit file. Furthermore, I am requesting an investigation into any unauthorized or impermissible pulls or inquiries associated with these accounts. As outlined in FCRA XXXX ( a ) ( XXXX ), a permissible purpose must exist before any user can access a consumers credit report. If these accounts were accessed or shared without proper authorization, this would constitute a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submittng to formally dispute inaccurate and obsolete information currently being reported on my credit file. After carefully reviewing my credit report, I discovered several inconsistencies that are negatively impacting my credit profile and do not comply with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} I would also like to emphasize that under FCRA XXXX ( a ) ( XXXX ), furnishers of information have an obligation to accurately report the Date of First Delinquency ( DOFD ). If these accounts have been closed or paid for several years, they may now be beyond the seven-year reporting period and should no longer appear on my credit file. Furthermore, I am requesting an investigation into any unauthorized or impermissible pulls or inquiries associated with these accounts. As outlined in FCRA XXXX ( a ) ( XXXX ), a permissible purpose must exist before any user can access a consumers credit report. If these accounts were accessed or shared without proper authorization, this would constitute a violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: ProCollect, Inc.
State: UT

Complaint narrative:
Pro Collect is attempting to collect an alleged debt ( Account XXXX XXXX XXXXXXXX, and is actively reporting it to the credit reporting agencies XXXX XXXX XXXX XXXX XXXX 

I have not received any initial validation or proof of this alleged obligation as required by the FDCPA. I have seen no original contract signed by me, no chain of title giving them legal authority to collect, and no detailed itemization of the amount they claim. 

I consider this an attempt to collect an unverified debt and a misrepresentation of its character and legal status. By reporting this information to my credit reports without strict verification and without my consent, Pro Collect is using an unfair and deceptive collection practice in violation of 15 U.S.C. 1692e ( Misrepresentation ) and 1692f ( Unfair Practices ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TN

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor collection accounts written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries and accounts from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint once again because I find myself in the same position I have been for months repeatedly disputing the same inaccurate and damaging information that should have been deleted long ago. This is now my fifth written request regarding the improper reporting of an account that remains in clear violation of federal law. It is disheartening that despite my previous letters, investigations, and efforts to cooperate, the information on my credit file has still not been brought into compliance with the Fair Credit Reporting Act ( FCRA ). I am not asking for a correction this time I am demanding permanent removal of this unverifiable and inaccurate account. 
The account in question is XXXXXXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$19000.00}, which continues to appear as a charged-off account on my credit report. This entry is both misleading and legally defective. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), every consumer reporting agency is required to ensure the maximum possible accuracy of information it includes in a consumer report. The continued reporting of this charge-off fails that standard entirely. 
When a creditor claims to have charged off a debt exceeding {$600.00}, the Internal Revenue Code requires the issuance of a Form 1099-C ( Cancellation of Debt ) to both the consumer and the IRS. The absence of a 1099-C for this alleged balance of {$19000.00} indicates that the account has not been legally canceled, and therefore can not be reported as a valid charge-off. Continuing to list this debt as charged off without substantiating documentation is a direct violation of FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the furnishing of information known or believed to be inaccurate. 
This entry has been disputed multiple times, yet no evidence of validation, documentation, or XXXX has ever been provided. If XXXX  XXXX XXXX or the credit bureau can not verify the accuracy of this charge-off beyond a reasonable doubt, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires that it be deleted immediately. Failing to remove unverifiable data after repeated disputes constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, both of which provide for consumer remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
The account for XXXX XXXX is still showing on my Experian credit report. It was supposed to be taken off. The company agreed to take it off. XXXX been stopped contacting me about the car loan. Transunion been took it off. For some reason Experian still have it on my credit report. This is holding me back from getting another vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because I recently discovered a discrepancy on my credit report that does not accurately reflect my payment history. Specifically, the account with XXXX ( Account XXXX. XXXXXXXX XXXX ), with a balance of {$430.00}, is reported as 30 days late in XX/XX/year> and 60 days late in XX/XX/year>, which conflicts with my records. These reported late payments XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ) do not accurately represent my account activity and require correction. 
I take my financial obligations seriously and have always made timely efforts to maintain my accounts in good standing. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe to be inaccurate or incomplete. I am formally exercising that right and requesting a thorough investigation of this late payment reporting. 
Furthermore, pursuant to FCRA 623 ( a ) ( 2 ), furnishers of credit information are required to promptly update and correct any information found to be inaccurate. In addition, FCRA 623 ( b ) obligates the creditor to conduct a reasonable investigation into any dispute I submit. The reporting of these late payments, if inaccurate, could unjustly impact my creditworthiness, potentially affecting my ability to secure credit on fair terms. 
I kindly request that your office review the supporting documents I am providing, including my payment history and statements for XXXX and XX/XX/year>. I am confident that a review will confirm that the reported late status does not accurately reflect my account activity. As reinforced by FCRA 602, which emphasizes the congressional purpose of ensuring consumer reporting is fair and accurate,

Company response to consumer: Closed with non-monetary relief