vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am submitting this statement to dispute inaccurate and inconsistent reporting on several accounts listed on my credit file. The XXXX XXXX XXXX  ( Acct. ending XXXXXXXX XXXX XXXX XXXX is reported with a 30-day late payment for XX/XX/year>, which is inaccurate and unverifiable. I have no record or documentation supporting this delinquency. Additionally, the XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported as late and closed with a {$0.00} balance, which is contradictoryonce an account is paid and closed with a XXXX balance, it should not reflect any late payment history. Furthermore, XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge-off with a {$53000.00} balance, yet the creditor has not provided any verifiable documentation confirming this status or outstanding amount. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain and report only information that is complete and accurate. FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] also prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$690.00} XXXX  XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that late payments have been reported on my account with XXXX XXXX  XXXX, account number XXXXXXXX XXXX XXXX. I would like to bring to your attention that I have always made my payments on time and have never missed or delayed a payment for this account. 

Given the importance of maintaining accurate consumer records, I respectfully request that you conduct a thorough investigation into this matter. Please provide documentation or statements that substantiate the alleged late payments. If you are unable to provide such evidence, I request that the account be corrected immediately to reflect an accurate payment history, showing all payments as on time. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation once the investigation has been completed.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-17 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: MA

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$690.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$32000.00}

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 2025-10-17 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: GA

Complaint narrative:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$32000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
Scam attempt from XXXX XXXX and fake supervisor XXXX XXXX XX/XX/year> claiming to represent prosper loans. Already claimed to have my personal information ( ss, email, dob, bank acct ) and said I was approved for XXXX. Called from XXXX ( XXXX ) XXXX and sent a fake contract from a XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I received a notification from Cash App stating that my account had been closed. No prior warning or detailed explanation was provided. I have attempted to contact Cash App support through their in-app chat and phone number, but I have not received a satisfactory response or resolution. 
On XX/XX/2025 I spoke with a Cash App representative who could not tell me the specific reason for closing my account nor what rules I have violated under the terms of agreement. 
This closure has caused significant inconvenience, including loss of access to funds and disruption of financial transactions. I believe this action was taken without proper justification or due process, and I request a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
The account listed is not mine and is inaccurately appearing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate, misleading, and unverifiable items that are currently being reported on my credit reports by the credit reporting agencies. These errors are causing significant harm to my credit profile and financial well-being. Despite my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, these inaccuracies remain uncorrected.

Below are the specific erroneous accounts and issues that I dispute : Wrong/Incorrect Addresses Listed : XXXX XXXX, XXXX XXXX XXXX IL XXXX Not my address. 

XXXX XXXX XXXX, XXXX XXXX, IL XXXX Not my address. 

These addresses are not and have never been associated with me. Their continued reporting is misleading and in violation of the FCRA requirement to maintain accurate consumer information.

Erroneous and Inaccurate Account Information : XXXX XXXX ( Acct : XXXX ) * High Balance : {$230000.00} | Date Opened : XX/XX/XXXX | Reported Late Payments. 
I dispute the late payment reporting. This account history is inaccurate and unverifiable. 

XXXX ( Acct : XXXX ) * High Balance : {$4800.00} | Date Opened : XX/XX/XXXX | Reported as Charge-Off. 
This reporting is inaccurate and unverifiable. 

XXXX XXXX  ( Acct : XXXX ) * High Balance : {$5600.00} | Date Opened : XX/XX/XXXX | Reported as Charge-Off. 
This information is not accurate and must be deleted or corrected. 

XXXX XXXX XXXX  ( Acct : XXXX ) High Balance : {$49000.00} | Date Opened : XX/XX/XXXX | Reported Late Payments. 
The late payment history is inaccurate and unverifiable. 

XXXX XXXX XXXX ( Acct : XXXX ) * High Balance : {$39000.00} | Date Opened : XX/XX/XXXX | Reported Late Payments. 
I dispute this reporting as inaccurate. 

XXXX XXXX ( XXXX : XXXX, XXXX, XXXXXXXX XXXX ) * * Reported as Collections with balances ( {$2700.00} / {$2800.00} / {$2900.00} ) with open dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
These accounts are inaccurate, unverifiable, and duplicative in nature. Their continued reporting is misleading and unlawful. 

XXXX ( Acct : XXXX ) * High Balance : {$4100.00} | Date Opened : XX/XX/XXXX | Reported Late Payments.

This is inaccurate and must be removed.

My Request : Under the FCRA, credit reporting agencies and furnishers are required to : Report only accurate and verifiable information.

Promptly investigate disputes and correct or delete inaccurate data.

I am demanding : The immediate removal of the wrong addresses listed above.

The deletion or correction of the inaccurate accounts and tradelines listed.

Written confirmation from the CFPB and the credit reporting agencies of the results of this complaint and the corrective actions taken.

Failure to address these violations may result in further legal remedies available under federal law, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am submitting this statement to dispute inaccurate and inconsistent reporting on several accounts listed on my credit file. The XXXX XXXX XXXX  ( Acct. ending XXXXXXXX XXXX XXXX XXXX is reported with a 30-day late payment for XX/XX/year>, which is inaccurate and unverifiable. I have no record or documentation supporting this delinquency. Additionally, the XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported as late and closed with a {$0.00} balance, which is contradictoryonce an account is paid and closed with a XXXX balance, it should not reflect any late payment history. Furthermore, XXXX XXXX XXXX ( Acct. ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge-off with a {$53000.00} balance, yet the creditor has not provided any verifiable documentation confirming this status or outstanding amount. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain and report only information that is complete and accurate. FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] also prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$650.00}

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 2025-10-17 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 explanation
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
I am disputing two entries on my Equifax credit report that appear to represent the same XXXX XXXX account but have completely different account numbers and conflicting payment histories. One entry ends in XXXX and the other in XXXX. Both show the same balance, but one shows 0 late payments while the other shows 7 late payments. This violates my consumer rights under the Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i, 1681s-2 ), which require credit reporting agencies and furnishers to ensure that information is accurate, complete, and verifiable before reporting. I have previously disputed this with Equifax, but both entries remain. Because it is impossible to verify which account number is correct, I request that both entries be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this statement because my credit report reflects a charge-off from XXXX XXXX ( Account ending in XXXX ) showing a balance of {$6300.00}, which I believe is being reported inaccurately. The account status and balance appear inconsistent with the actual payment history and closure terms provided by the creditor. This inaccurate reporting violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of information in consumer reports. Furthermore, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ).

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 2025-10-17 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-17 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: SC

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and unauthorized information that violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act ( CFPA ). These inaccuracies have caused financial harm, credit denials, and emotional XXXX. Despite my disputes with the credit bureaus, these errors remain unresolved. I request immediate intervention by the CFPB to ensure accurate reporting and legal compliance. 

LATE PAYMENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$300.00} This account shows a late payment that is completely inaccurate and unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting false information. I have never received notice validating this delinquency. Continuing to report it without verification violates FCRA 611 ( a ). I demand its deletion for failure to provide supporting documentation. 

LATE PAYMENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$27000.00} This creditor is reporting a late payment that has never been verified. I requested validation multiple times with no proof provided, which violates FCRA 611 ( a ). It is unlawful under FCRA 607 ( b ) to report information without ensuring accuracy. I request immediate correction or deletion. 

INQUIRY XXXX XXXX  XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA 604 ( a ) ( 3 ). I did not apply for credit with this institution. I demand its deletion for lack of permissible purpose. 

INQUIRY XXXX XXXXXX/XX/year> I did not authorize this credit inquiry and have no record of any credit application with this company. Reporting it violates FCRA 604 ( f ) and constitutes unauthorized access. Please delete this immediately. 

INQUIRY XXXX XXXXXX/XX/year> This inquiry is inaccurate and unauthorized under FCRA 604 ( a ) ( 3 ). I never gave permission to this company to access my file. Delete immediately.

INQUIRY XXXX XXXX XX/XX/year> This inquiry has no permissible purpose under FCRA 604 ( f ). I did not grant consent or initiate a credit application with this company. It must be removed. 

INQUIRY XXXX XX/XX/year> I did not authorize this company to access my credit profile. Keeping this inquiry violates FCRA 604 ( a ) ( 3 ). Please delete immediately for unauthorized access.

I request that the CFPB ensure the removal of all inaccurate, unverifiable, and unauthorized items listed above, enforce compliance with federal law, and hold responsible parties accountable for the harm caused by these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am disputing a Barclays Bank Delaware account on my XXXX  credit report that is being reported inaccurately. The payment history, balance, and account status are incorrect and can not be verified. This violates my consumer rights under FCRA 1681e ( b ), 1681i, 1681s-2, which require credit reporting agencies and furnishers to ensure information is accurate, complete, and verifiable before reporting. I previously disputed this with XXXX, but the inaccurate information remains. Under the FCRA, if Barclays Bank Delaware can not provide verified documentation supporting the accuracy of this account, it must be deleted 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 explanation