vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
These inquiries are unauthorized and constitute a violation of my rights under 15 U.S.C. 1681b, which limits the permissible purposes for accessing a consumer report. Pursuant to 15 U.S.C. 1681i, you are required to investigate these inquiries and remove them from my credit file if they can not be verified as authorized.

15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within XXXX days. 
15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

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 2025-07-16 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: IN

Complaint narrative:
These inquiries are unauthorized and constitute a violation of my rights under 15 U.S.C. 1681b, which limits the permissible purposes for accessing a consumer report. Pursuant to 15 U.S.C. 1681i, you are required to investigate these inquiries and remove them from my credit file if they can not be verified as authorized.

15 U.S.C. 1681i : You are required to investigate any disputed information and remove inaccurate or unverifiable accounts within XXXX days. 
15 U.S.C. 1681s-2 ( b ) : The furnisher ( debt collector/creditor ) must verify the debt or have it deleted.

15 U.S.C. 1681e ( b ) : You must ensure the maximum possible accuracy of information on consumer reports.

15 U.S.C. 1681c-2 : If this debt is the result of fraud or identity theft, you must block its reporting.

15 U.S.C. 1692g : The debt collector must provide proper validation of the debt if requested.

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 2025-07-16 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-16 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: LA

Complaint narrative:
I'm reaching out to demand the immediate deletion of a tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it is not being reported with the maximum possible accuracy, as required by law. Thats not just a technicality thats a clear violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

Let me be clear : If you can not report this tradeline with 100 % precision down to every detail, from dates to balances to payment history then you have no legal right to report it at all. Reporting partial, inconsistent, or unverifiable data is not only misleading, it directly damages my creditworthiness and credibility as a consumer. Thats not something I take lightly.

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 2025-07-16 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 need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is XXXX XXXX correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-16 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: PA

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

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 2025-07-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-16 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Delete the account reported by HUDSON VALLEY XXXX XXXX ( Account Number : XXXX ) unless the credit bureau can provide verifiable proof, such as a signed consumer contract or certification from the creditor affirming the account 's accuracy and completeness. 

Delete all non-account holding inquiries over 30 days old, as they are not tied to an open account and continue to unfairly impact my credit file. 

Place a promotional suppression on my credit report to reduce unsolicited credit offers. 

Provide a full description of the reinvestigation process and the method used to verify this account, as required by law, within 15 days of completing the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
Please review the letter below involving the following account XXXX XXXX XXXX XXXX. This account has been removed from both my XXXX  and XXXX reports. The account is not being properly verified because the debt was sold. The initial agreement is not with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, regarding your failure to properly investigate and validate an inaccurate account listed on my credit report. I previously disputed the accuracy of the following account : XXXX XXXX : XXXX XXXX XXXX - XXXX incorrect; inaccurate. Account Number ( last XXXX XXXX XXXX XXXX XXXXXXXX Despite my dispute, the account remains on my report without any valid proof of its accuracy being provided. Under the FCRA, you are required to conduct a reasonable investigation, verify the account with the furnisher, and correct or delete the information if it can not be verified. To date, no evidence has been furnished, and the account continues to reflect inaccurate or unverifiable information. I demand the immediate deletion of this account from my credit report and a written confirmation of your action within 15 days. Continued reporting of unverifiable information is a willful violation of federal law and may subject you to regulatory action and civil liability. I have attached a copy of the original complaint and dispute. 

I have attached the original dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
it was XX/XX/XXXX that i placed the order to " Home Depot '' and the order was successfully placed. 

it was actually buying and installation of XXXX. 

they charged me {$1600.00} for installation and buying very next day, i called them and cancelled the order. 

they notified me the carpet is cut. so you need to pay {$440.00} for cutting but my question is i did not get the delivery and not even recieve the carpet. even they cut that carpet. but still they are asking me to pay the amount after cancellation of the order. i have attached the receipt for what was the first order placed secondly the putted on my credit and it effecting my credit also and they keep asking me to pay {$440.00}

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 explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is XXXX XXXX correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/year> the amount of XXXX and the act taken by me was I wanted the original documents from this account provided to me within a XXXX day time period in which they werent able to provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp has. Banned my account on several occasions. Using my phone number and social! This has been and was my only form of recieving cash from friends and family at the time. 

I had money stuck in my accounts with my name and social attached and they never released or send me my money.

Now theyre is lawsuit out and they send me my eligibility to only deny my claims. When I know for facts with proof of social, name and ID they have stole from me countless times They keep closing accounts talking about gambling and I do not gambling. I had this same issue with XXXX who GAVE ME BACK MY ACCOUNT. 

This is against the law to hold money and also block my socials and name from receiving XXXX money in multiple cash apps. 

Theres also a lawsuit out and it would not let me provide information and denied my claims. 

I want my accounts back open and my social unlocked so I can retrieve my coins. I do not gamble, I have a business, I have been reporting to my taxes for years. 

This is illegal to withhold money that does not belong to cashapp and to block my social security number from retrieving. 

I also heard that coworkers go into accounts and steals the money because the owner is blocked or banned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 submitting this letter to dispute a late payment reported on my credit file. I have documentation confirming that the payment was made within the agreed terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I was scammed by a seller who claimed to sell a product to me via XXXX XXXX. His XXXX page having a friend count in the hundreds and his kind and trusting demeanor misled me to pay a multitude of charges. Time went by and the seller stopped contacting me and I never received the product. 
Being a victim of fraud, I spoke to my bank, SOFI, to help me resolve this problem and file a dispute, but they denied my refund, despite me provision of evidence and my quick report. I did not knowingly authorize this transaction in a fully informed or legitimate way. I believe the bank is failing to protect me as required under Regulation E.

Here is the transaction info : {$200.00} - XX/XX/year> {$65.00} - XX/XX/year> {$67.00} - XX/XX/year> Case/Dispute Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
inaccurate reporting please remove this from my credit report

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 2025-07-16 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: GA

Complaint narrative:
Please provide me with your internal procedures for investigation conducted in CFPB complaint XXXX. Please also state how your procedures align with this mandated by the FCRA. Please provide the reply with your response to the CFPB and not via USPS mail. 

Thank you,

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
XXXX XXXX XXXX Format Violations : Conflicting Pay Status on Closed/Collection Account The account is listed as Pay Status : XXXX yet also appears under a format that implies ongoing obligation despite being placed in collections. This creates conflicting data. 
Violation : XXXX XXXX Field XXXX ( Account Status ) & Field XXXX ( Payment Rating ) No Disclosure of Debt Sale or Chain of Assignment There is no indication of whether this debt was purchased, assigned, or still owned by the original creditor ( XXXX ). This violates XXXX XXXX requirements and FCRA XXXX ( a ) ( XXXX ). 
Violation : XXXX XXXX Field XXXX ( Special Comment Code XXXX or XXXX ) Violation : XXXX XXXX Field XXXX ( Creditor Classification Code ) Address on File Is Not Associated With Me The business address listed by Consumer Adj Co is not an address I have ever resided at or used in any financial agreement. 
Violation : XXXX XXXX Field XXXX ( Address ), Field XXXX ( City, XXXX, ZIP ) FCRA 607 ( b ) : Reasonable procedures must be followed to ensure maximum possible accuracy Reporting Past Due on a Collection Account Reporting a Past Due amount of {$1100.00} on a collection account is not appropriate because the account has already been charged off and sent to a collection status. This misrepresents the current nature of the obligation. 
Violation : XXXX XXXX Field XXXX ( Past Due Amount ) FCRA 623 ( a ) ( XXXX ) ( A ) prohibition of inaccurate or misleading data Dispute Mark ( XB or equivalent ) Present Without Resolution The file is marked Account information disputed by consumer ( FCRA ) but no resolution or correction has been made. This violates reinvestigation requirements. 
Violation : XXXX XXXX Field XXXX ( Compliance Condition Code = XB ) FCRA 611 ( a ) ( XXXX ) ( A ) : Requires reinvestigation within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
Delete the account reported by XXXX XXXX XXXX XXXX ( Account Number : XXXX ) unless the credit bureau can provide verifiable proof, such as a signed consumer contract or certification from the creditor affirming the account 's accuracy and completeness. 

Delete all non-account holding inquiries over 30 days old, as they are not tied to an open account and continue to unfairly impact my credit file. 

Place a promotional suppression on my credit report to reduce unsolicited credit offers. 

Provide a full description of the reinvestigation process and the method used to verify this account, as required by law, within 15 days of completing the reinvestigation.

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 2025-07-16 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: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-16 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I recently tried to get a pre approval loan as i was trying to purchase a car, i turned XXXX just this year and just recently opened my own credit card to begin building my credit, when i was trying to get a loan for a pre approval i couldnt get one, each one kept saying i had high usage on credit cards. I had no prior knowledge to this, these credit cards were made when i was XXXX and i had no knowledge or consent of any of it, i only found out about these credit cards due to the fact that i was getting denied. i dont know how these were made as i never created these, but now they are affecting my credit, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation