vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: CO

Complaint narrative:
I canceled my XXXX policy a day after it was due XXXX  try charging me for a whole another month even though I didnt even have coverage for 24 hours and I tried calling them multiple times they argued with me. There were refused to clear this, even though I was not having coverage, I had it with XXXX at this point and they then sent the bill to collections and is now reporting on my credit and tanking out my credit score and its in accurate information because I do not owe them any money. The policy was canceled. I should not be charged for another whole month after it was canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Got card in mail with ID numbers and code went to Web site and filed for the B payments before XX/XX/XXXX and received receipt of acknolegement. Then called phone number twice asking for forms. XXXX did finally acknowledge our address of XXXX XXXX really XXXX XXXX XXXX XXXX Pa XXXX. XXXX XXXX XXXX and deceased XXXX XXXX XXXX same legal married wife of XXXX years both XXXX and was in a bankruptcy in XXXX making payments throw tfs to federal court widiccor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcon Credit Solutions LLC
State: FL

Complaint narrative:
I received a loan from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX for aprx. XXXX for XXXX weeks of therapy, starting XX/XX/XXXX i made a down payment thru XXXX XXXX for {$2200.00} I received treatment in XXXX, XXXX and XXXX of XXXX. In XXXX XXXX i was advised that XXXX XXXX will be moving and the remaining balance would be adjusted to {$0.00} based on the outstanding balance due for non received services and the adjustment would be {$3400.00}. 

Now in XX/XX/XXXX i received a collection notice from Acron Credit Solutions LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I received a collection notice for {$7700.00} which is totaly incorrect. I didn't received any services after XX/XX/XXXX I tried to contact XXXX XXXX and the telephone # is no longer in service. I am on a fixed income as well as XXXX and this infraction is hindering me from obtaining credit loans for services not covered by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-10-19 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:
It came to my attention that my person information was compromised in a data breach of XXXX XXXX XXXX i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-19 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:
The credit bureaus are reporting inaccurate information on my credit report I have disputed with each company and I have yet to hear anything concerning what they are gon na do to make sure this is handled correctly

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 2025-10-19 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am reporting several unauthorized charges that appeared on my XXXX XXXX  checking account, which were made using my debit card without my permission. These transactions were not authorized by me. I have already contacted XXXX XXXX  and provided my police report and identity verification documents. 

I have also mailed a complete fraud packet to XXXX XXXX  Fraud Department, including my police report, FTC Identity Theft Report, government-issued ID, proof of address, and supporting documentation showing these transactions were unauthorized. 

Despite these efforts, XXXX XXXX  has not refunded or corrected the unauthorized transactions as required under Regulation E ( 12 CFR 1005.6 ). I request that XXXX XXXX  promptly investigate, reverse all fraudulent charges, and confirm that my account has been secured from further misuse.

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 2025-10-19 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: GA

Complaint narrative:
I completed a dispute with XXXX credit card and the account was removed from my transunion report approximately 3 months ago. On today while reviewing my reports I noticed a drastic score drop due to XXXX XXXX reporting the same false information. XXXX, XXXX  and experian are allowing creditors to continue to violate the fcra resulting in hardships for me when trying to secure a va home loan for myself and my family. I am asking You to assist me with getting this information removed permanently from my reports. In regards to XXXX  I was granted student loan forgiveness however Colorado XXXX college is reporting a loan on my account that was removed from my XXXX  account a year ago because i do not owe them any money and all my loans were forgiven. I have also noticed these items on my experian account as well. There are also multiple inquiries on my accounts that I know I didnt authorize however at-least 4 of them I do. These credit bureaus are violating my rights to accurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am a Cash App user with an old loan from XXXX ( XXXX  ). Recently, XXXX began withdrawing ACH payments from my Cash App account without notice, even after I requested Block, Inc. ( Cash App ) to block these withdrawals. Block , Inc. informed me they were unable to stop them.

These withdrawals are unauthorized and improper under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., which requires financial institutions to prevent unauthorized electronic withdrawals and hold consumers harmless for improper charges.

I request the Consumer Financial Protection Bureau to investigate Block , Inc. and XXXX for : 1. Stopping all unauthorized ACH withdrawals from my account ; 2. Refunding all amounts withdrawn after I requested a block ; 3. Compensation for stress, inconvenience, and any financial harm caused by these withdrawals ; and 4. Ensuring Cash App ( Block, Inc. ) provides consumers with the ability to block unauthorized ACH withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I do not owe this debt Ive never done business with this company before and I want this debt removed from my credit 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 2025-10-19 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: MS

Complaint narrative:
I recently reviewed my credit report with several inaccuracies on it, I am formally filing a complaint against Experian regarding a matter that has significantly affected my financial wellbeing and peace of mind. Despite my good-faith efforts to resolve this issue directly with the bureau, it remains unresolved... I am therefore requesting assistance of the Consumer Financial Protection Bureau in investigating this matter

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 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
Trying to pay my credit bill and now its telling me im unable to pay online, this is new ive been able to pay online up until this point and now i have an interest and late fee

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My XXXX XXXX account ( XXXX/XXXX, ending XXXX ) has been inaccurately reported by both Experian, and XXXX.I first noticed a late payment reporting for all bureaus for XX/XX/XXXX, XXXXOn XX/XX/year> I immediately submitted a dispute to XXXX  through XXXX XXXX  XXXX On XX/XX/year> the account was updated to on time for XX/XX/year>. XXXX  where I had not filed a dispute was updated to On time for XX/XX/year>. This proves XXXX realized the mistake and willingly updated the tradeline. Of note XXXX  reports the closed date as XX/XX/year> and as of XXXX has not reinserted the late. On XX/XX/year> credit monitoring sites notified me that the late payment was reinserted on XXXX. I was not given the required 5 days notice. I also noticed that XXXX  is reporting the closed and late on both XX/XX/year> which is factually impossible. Experian was disputed on XX/XX/year> and updated to on time/current on XX/XX/year>. Closed date at time of dispute was also XX/XX/year>. 
I then noticed Experian also reinserted the late around XX/XX/year>. They also changed the closed date of the account repeatedly from XXXX to XXXX to XXXX and most recently XXXX. 
I received no written notice of reinsertion from either bureau as required by FCRA 611 ( a ) ( 5 ) ( B ). The bureaus are also reporting conflicting closure and update dates, violating FCRA 607 ( b ) ( requirement for maximum possible accuracy ). 
The XX/XX/year> payment could not have been 30 days past due until late XXXX, and XXXX also continued billing, collecting interest, and accepting payments in XXXX, XXXX, XXXX, and now most recently XXXX. Reporting it as 30 days late or closed and delinquent on the same date ( XXXX ) is inaccurate, and factually impossible. 
Ive filed several disputes regarding the illegal reinsertion and inaccuracies and conflicting closure dates on XXXX  and Experian all coming back verified. 
These false reports have caused significant credit damage and prevented me from obtaining dental work.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
My XXXX XXXXXXXX account ( XXXX, ending XXXX ) has been inaccurately reported by both XXXX, and XXXX.I first noticed a late payment reporting for all bureaus for XX/XX/XXXX, XXXX XX/XX/3025 I immediately submitted a dispute to XXXX  through XXXX XXXX  XXXX On XX/XX/2025 the account was updated to on time for XX/XX/2025. XXXX  where I had not filed a dispute was updated to On time for XX/XX/2025. This proves XXXX  realized the mistake and willingly updated the tradeline. Of note XXXX  reports the closed date as XX/XX/2025 and as of XXXX has not reinserted the late. On XX/XX/2025 credit monitoring sites notified me that the late payment was reinserted on XXXX. I was not given the required 5 days notice. I also noticed that XXXX  is reporting the closed and late on both XX/XX/2025 which is factually impossible. XXXX  was disputed on XX/XX/2025 and updated to on time/current on XX/XX/2025. Closed date at time of dispute was also XX/XX/2025. 
I then noticed XXXX  also reinserted the late around XX/XX/2025. They also changed the closed date of the account repeatedly from XXXX to XXXX to XXXX and most recently XXXX. 
I received no written notice of reinsertion from either bureau as required by FCRA 611 ( a ) ( 5 ) ( B ). The bureaus are also reporting conflicting closure and update dates, violating FCRA 607 ( b ) ( requirement for maximum possible accuracy ). 
The XX/XX/2025 payment could not have been 30 days past due until late XXXX, and XXXX  also continued billing, collecting interest, and accepting payments in XXXX, XXXX, XXXX, and now most recently XXXX. Reporting it as 30 days late or closed and delinquent on the same date ( XXXX ) is inaccurate, and factually impossible. 
Ive filed several disputes regarding the illegal reinsertion and inaccuracies and conflicting closure dates on XXXX  and XXXX  all coming back verified. 
These false reports have caused significant credit damage and prevented me from obtaining dental work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 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 have submitted multiple disputes to each of the XXXX credit bureaus. However, each response Ive received has only included a letter suggesting that I did not personally submit my disputes. I properly attached my identification documents as required on each bureaus website. This constitutes a violation of my rights under FCRA. 

Please review the attached dispute letters that I most recently sent to all three bureaus. I am requesting your assistance in promptly correcting these inaccurate entries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
The credit bureaus are reporting inaccurate information on my credit report I have disputed with each company and I have yet to hear anything concerning what they are gon na do to make sure this is handled correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
The credit bureaus are reporting inaccurate information on my credit report I have disputed with each company and I have yet to hear anything concerning what they are gon na do to make sure this is handled correctly

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