vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
Last report to date of XX/XX/XXXX to my credit report shows consumer portfolio with missed payments of XXXX and late for the year. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX This is the information shown on my credit report for them. This reporting is inaccurate and shouldnt be on my credit report. I havent had a car or owned one in a long while now. This needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MA

Complaint narrative:
I am disputing the inaccurate reporting of my Discover Card account. Despite paying off the full balance of {$3100.00} which I have verified through payment confirmations, my Discover account dashboard, and a XXXXdollar balance statement all three credit bureaus continue to report a balance of {$3500.00}. 

This is materially inaccurate and violates the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) Furnishers must report with maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Furnishers must correct or delete any information they determine is inaccurate or incomplete after a dispute. 

XXXX XXXX XXXX ( Field 11 & Field 17 ) A XXXX balance must reflect correct payment status, and paid accounts can not be coded with open balances. 

Additionally, I was never late on this account. However, XXXX  and XXXX  inaccurately report a 120-day delinquency. This is unsupported by any actual payment history. My payment record since the account opened on XX/XX/2020, has been consistent and compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
deprived of meaningful and effective customer service and left the network vulnerable to criminals defrauding. Phone number on the back for the card not in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
Request for account blocking and deletion due to data breach. 

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 XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1100.00} This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 
Sincerely,

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 2025-06-13 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and noticed that it includes names and addresses that no longer belong to me or are not associated with me. These outdated or incorrect entries can negatively affect the accuracy of my report and potentially impact my credit. 

I am requesting that all names and addresses that are no longer valid be removed from my credit file. I am submitting this dispute so that my report reflects only my current and accurate personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-13 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-13 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-13 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the XXXX  data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 complaint against Experian, Equifax, Experian for failing to conduct a reasonable investigation into multiple credit reporting disputes I submitted under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i ( a ).

Despite formally disputing multiple accounts showing identical or substantially similar accounts with different balances from different furnishers ( creditors and debt buyers ) at the same time, Experian continues to report this inaccurate and misleading information without proper resolution. 

This is a violation of : 15 U.S.C. 1681e ( b ) which requires Experian to ensure maximum possible accuracy of the information it reports ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) which requires Experian to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item of information.

The continued reporting of multiple accounts with duplicated balances and original creditor references creates the false appearance of multiple debts and artificially inflates my total outstanding obligations. This materially misrepresents my credit profile and is causing measurable harm. 

Furthermore, Experians generic dispute responses failed to : Confirm whether they verified the debt with the original creditor or the current debt owner ; Provide documentation supporting the accuracy of the balances ; Remove unverifiable or inaccurate data as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( 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 2025-06-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit limit : {$13000.00} On XX/XX/year>XXXX  my Balance was {$12000.00} I was charged {$220.00} in interest which put my balance over my limit to {$13000.00}. 
It was reported to various credit rating companies which caused my credit rating to drop. 
I called the company and they were very nonchalant in explaining that I went over my limit and they reported it to the credit rating companies. 
I 'went over my limit '' by no fault of my own - rather on their part. they caused it to go over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Included in this complaint are required documents, which include an FTC report, with account number, the name of the collection agency, my Social Security Card, Drivers License, a bill, and lease, and the detailed statement below. 

I initially contacted XXXX XXXX XXXX ( XXXX ) regarding a credit report entry for Account No : XXXX. XXXX responded that they were collecting on behalf of XXXX XXXX XXXX. However, I have never signed a contract with XXXX nor conducted any business with them. They have no legal authority to collect any debt from me. Additionally, they provided a bill dated XX/XX/year>, for Apartment No. XXXX for {$4300.00}. I requested a copy of the lease from XXXX, which they refused to provide. They instead advised me to contact ThXXXX XXXX XXXX When I did, XXXX XXXX XXXX directed me back to XXXX. The reason they can not produce a lease is that no such lease exists for Apartment XXXX. 

I am requesting that this information be removed immediately from all credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all credit reporting agencies are required to investigate disputes, which you have failed to do in this case.

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 2025-06-13 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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-13 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-13 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 writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-13 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: WV

Complaint narrative:
Im writing because Ive identified incorrect and damaging information on my credit report, and I need it corrected immediately.

The item in question is flat-out wrong, and its presence on my credit profile is not only inaccurate, its also unfairly affecting my credit standing and financial reputation. I take my credit very seriously, and I will not allow a reporting erroror worse, negligenceto negatively impact me.

Im disputing this entry because it does not belong to me, and I have no legitimate connection to the account or action in question. Whether it was the result of outdated reporting, mistaken identity, or even fraudulent activity, it needs to be removed without delay.

I want to be extremely clear here : I did not authorize or initiate this account/activity.

I have never received goods, services, or credit tied to it.

This item is not my responsibility and should never have been linked to my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: WV

Complaint narrative:
I

m writing because Ive identified incorrect and damaging information on my credit report, and I need it corrected immediately. The item in question is flat-out wrong, and its presence on my credit profile is not only inaccurate, its also unfairly affecting my credit standing and financial reputation. I take my credit very seriously, and I will not allow a reporting erroror worse, negligenceto negatively impact me. Im disputing this entry because it does not belong to me, and I have no legitimate connection to the account or action in question. Whether it was the result of outdated reporting, mistaken identity, or even fraudulent activity, it needs to be removed without delay. I want to be extremely clear here : I did not authorize or initiate this account/activity. I have never received goods, services, or credit tied to it. This item is not my responsibility and should never have been linked to my report in the first place.

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 2025-06-13 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EQUIFAX data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with non-monetary relief