vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I placed an order with XXXX for a flatscreen tv for XXXX. A payment was made with my Cashapp debit card for XXXX paid to XXXX an international transaction. I never received confirmation of my order and it was not listed anywhere on my XXXX account. It was a scam and fraudulent account I placed an order with. I notified Cashapp that the transaction was from a scammed account and there is nothing at all on my XXXX account showing I even placed an order. I provided documentation to Cashapp and filed a dispute regarding the fraudulent charge and I filed a report also with XXXX, but cashapp keeps denying my disputes stating they have documentation that I received the goods for that transaction. I have requested the proof from cashapp for the documentation as proof that I received the goods. And I have not gotten a response. I called Cashapp and they told me to file another dispute and they would look info it further. I have filed XXXX disputes so far and it keeps getting denied. I would like proof that I received my goods. I have absolutely not received anything from the seller, no email no confirmation, nothing and especially no goods .. I was scammed and provided proof to cashapp but they refuse to help me reverse the charges and give me false information regarding the denial, stating they have proof I received my order and they absolutely do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding several inaccurately reported late payments on my credit report. I have disputed these entries with the original creditors and credit reporting agencies, but to date, the information remains unchanged, despite contradictions in the data and a lack of verification. 

The late payments in question involve the following issues : Account sold to another grantor XXXX Account number XXXX account was sold or transferred to a different creditor, yet late payments continue to be reported under the prior furnisher 's name. No documentation or Metro 2 compliance coding has been provided to justify the continued reporting by a former creditor. 

Paid-in-full account with conflicting remarks XXXX XXXX XXXXXXXX, Account number XXXX clearly shows in the comments section that it was paid in full as agreed and lists no more than 3 late payments. However, it is being reported with 12+ late payments, which is factually inconsistent and unverifiable. 

Another two accounts listed as late, but was never late XXXX. XXXX XXXX XXXX, Account number XXXX account was paid in full and never had a late payment. Despite this, two 30-day lates are being reported without proper validation, which I have disputed multiple times. XXXX. XXXX XXXX XXXX, Account number XXXX. 
In all of these cases, I have requested the following from the furnishers and bureaus, and have received no documentation in return : A complete payment history The Metro 2 codes used to classify and report these delinquencies A copy of the original creditors records or billing statements supporting the dates of late payment Explanation of how these accounts were verified despite clear errors or conflicts in reporting Under the Fair Credit Reporting Act ( FCRA ) : 609 ( 15 U.S.C. 1681g ) grants consumers the right to obtain full information in their file.

611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation and remove any item that can not be verified within 30 days. 
Despite this, the information has been marked as verified without producing supporting documentation. This calls into question whether a proper reinvestigation was conducted at all.

Request for Relief : I respectfully request the CFPB to : Direct the removal of any late payment notations that can not be fully substantiated or are clearly contradicted by the comments listed in the tradeline and or removal of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: KY

Complaint narrative:
I have submitted multiple disputes to the credit bureaus regarding several inaccurate, unverifiable, and outdated accounts. Despite providing written requests and citing FCRA regulations, the credit bureaus have failed to perform a proper investigation or provide original signed contracts or a legitimate method of verification as required under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ).

Many of these accounts are being reported with incorrect statuses such as repeated charge-offs, inconsistent dates, or balances that do not match across bureausviolating FCRA 1681e ( b ). Some late payments are inaccurately reported and fall outside of the 21-day grace period under TILA 1666b, while other items reappear after being previously removed or disputedviolating 611 ( 5 ) ( A ).

I also requested deletion of multiple hard inquiries that were not authorized by me, in violation of FCRA 1681b, yet they remain on my report.

These failures amount to willful noncompliance under FCRA 616 & 617, and I am demanding immediate intervention, a full reinvestigation, and permanent deletion of all unverifiable and inaccurate information.

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 2025-07-04 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: KY

Complaint narrative:
I have submitted multiple disputes to the credit bureaus regarding several inaccurate, unverifiable, and outdated accounts. Despite providing written requests and citing FCRA regulations, the credit bureaus have failed to perform a proper investigation or provide original signed contracts or a legitimate method of verification as required under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 7 ).

Many of these accounts are being reported with incorrect statuses such as repeated charge-offs, inconsistent dates, or balances that do not match across bureausviolating FCRA 1681e ( b ). Some late payments are inaccurately reported and fall outside of the 21-day grace period under TILA 1666b, while other items reappear after being previously removed or disputedviolating 611 ( 5 ) ( A ).

I also requested deletion of multiple hard inquiries that were not authorized by me, in violation of FCRA 1681b, yet they remain on my report.

These failures amount to willful noncompliance under FCRA 616 & 617, and I am demanding immediate intervention, a full reinvestigation, and permanent deletion of all unverifiable and inaccurate information.

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 2025-07-04 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-04 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-04 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I am submitting this complaint because Citi is continuing to retain, collect on, or maintain internal records related to an account that has already been permanently deleted from all three major credit reporting agencies XXXX XXXX, and XXXX. The account in question is : Account Number : XXXX This account was removed due to either being inaccurate, unverifiable, or the result of identity theft/fraud. Despite its deletion from all consumer credit reporting agencies, the creditor has continued to either ( 1 ) attempt to collect, ( 2 ) maintain an open or active record internally, or ( 3 ) reserve the right to re-report or resell the account, all of which are improper and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-04 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: TN

Complaint narrative:
I went to my bank to look at taking out a business loan for my dental practice and I notice that there are items on my credit that I have knowledge of. I tried calling the companies and its been a dead end. Can you please assit me with this as I'm doing to alone and very little knowledge to know my options. Here are the accounts 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 2025-07-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-04 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-04 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$930.00}XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TN

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable information on my credit report. I disputed multiple times with credit bureaus, and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other company. They never sent verification of debt, the original contract bearing my signature, and an explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief