vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
I am disputing multiple inaccurate items on my credit report that violate the Fair Credit Reporting Act ( FCRA ), including reporting wrong addresses, charge-offs, and late payments I have no knowledge of. The reporting of these accounts is misleading, inaccurate, and has caused me financial harm. I request a thorough investigation and immediate correction or deletion of all disputed items. FCRA XXXX, XXXX ( b ), XXXX ( a ) apply. 

XXXX XXXX XXXX * * High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account. Reporting an unverified account violates FCRA XXXX and XXXX. Delete it. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment This is my account but the late payment history is inaccurate. I have never paid late, and no verification was provided under FCRA XXXX ( a ). Correct the payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment I have never made any late payment on this account. Reporting unverifiable lateness violates FCRA XXXX ( b ) and XXXX. Update the payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$950.00} Date Opened : XX/XX/XXXX Charge Off I do not recognize this account. No ownership proof has been shown under FCRA XXXX ( a ). Delete this account for lack of verification. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$9500.00} Date Opened : XX/XX/XXXX Charge Off This account is not mine and can not be verified. Reporting it violates FCRA XXXX and XXXX. Remove it immediately. 

These inaccurate items are damaging, violate FCRA reporting standards, and must be corrected or removed immediately. FCRA XXXX, XXXX ( b ), XXXX ( a ) support my dispute and reinvestigation request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not open this account and reject its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-11-27 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: ID

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Bank required XXXX overdraft fees in regard to withdrawals by XXXX XXXX. I submitted to XXXX XXXX on XX/XX/XXXX. Truist Bank posted these amounts on XX/XX/XXXX and collected fees on XX/XX/XXXX. I scheduled withdrawals by XXXX XXXX on XX/XX/XXXX. I had no available money until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-11-27 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: MA

Complaint narrative:
These accounts were established without my authorization, suggesting fraudulent activity. I urge you to conduct a thorough investigation and promptly eliminate them from my credit report. Supporting documentation is attached for your review. Your prompt resolution of this matter is highly valued.

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 2025-11-27 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: PA

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 2025-11-27 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 did not approve this account and dispute it as fraudulent.

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 2025-11-27 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: TX

Complaint narrative:
Greetings, I am requesting the removal of the subsequent late payment from my credit report. This constitutes a billing discrepancy. I have never been tardy with this payment. I consistently made timely payments since my account is set to autopay. Kindly ensure punctuality at all times. I am enclosing all requisite paperwork with this letter.

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 2025-11-27 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:
Greetings, I am requesting the removal of the subsequent late payment from my credit report. This constitutes a billing discrepancy. I have never been tardy with this payment. I consistently made timely payments since my account is set to autopay. Kindly ensure punctuality at all times. I am enclosing all requisite paperwork with this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 2025-11-27 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: MA

Complaint narrative:
That on XX/XX/year> while reviewing my Equifax XXXX Report I noticed XXXX ( XXXX ) accounts and XXXX ( XXXX ) hard inquiries that I did not authorize and are the result of identity theft and fraud. The fraudulent accounts showing with these names and dates consist of : 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 The fraudulent unauthorized hard inquiries showing these names and dates inquired on consist of : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question as well as a copy of the Equifax consumer credit report maintained by them which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by them were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. Also attached are XXXX additional documents for a total of XXXX files in compliance with the block request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding APPLE CARD/GS BANK USA s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. APPLE CARD/GS BANK USA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-11-27 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I purchased an item that was not as described. 
I provided multiple pieces of evidence clearly showing the seller misrepresented the product. 
Despite this, Chime denied my dispute without properly addressing merchant misrepresentation. 

I am requesting that this dispute be reopened under Regulation E for merchandise that does not match its advertised description. 

Claim ID : XXXX Amount : {$18.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
I was a victim in a scam, I was scammed XXXX from my Cash App Someone got into my cash app hacked it or something Im not familiar how it works I call customer service to file a Disbute told them what happened the noticed another advice was logged into my device the fixed that problem a few days later they denied me Disbute WOW. There has to be some mistake so I filed a Appeal, this time I gave them step by step what happened great detail and a verification that the company Cash App Spotted a unknown device linked to my account same device that transferred XXXX from my account to a unknown source check this out few days later they denied my Appeal again asked to file another appeal they said no only customers can file one Appeal.WHAT please help me get me XXXX back to my cash app tagXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: WA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX CARD # XXXX XX/XX/XXXX -- {$69000.00} XXXX CARD # XXXX XX/XX/XXXX -- {$100000.00} XXXX CARD # XXXX XX/XX/XXXX -- {$3700.00} XXXX CARD # XXXX XX/XX/XXXX -- {$25000.00} XXXX AUTO # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
RE : Formal Demand for Investigation and Permanent Deletion of Inaccurate, Incomplete, and Unverifiable Accounts Under FCRA 609 & 611 To Whom It May Concern, I am formally disputing the accuracy and legality of multiple items being reported on my Experian credit file ( Report # XXXX, dated XX/XX/XXXX ). Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Experian is required to conduct a reasonable reinvestigation and delete any information that is inaccurate, incomplete, or can not be verified.

The following accounts are in violation of FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ), and 611 ( A ) ( 5 ) as they contain inconsistent, unverifiable, outdated, or misleading information : XXXX XXXX XXXX ( Acct : XXXX  ) Reports contradictory balances and late payments. Verification documentation ( signed contract, payment ledger ) must be produced, otherwise delete immediately. 

XXXX XXXX ( Acct : XXXX ) Reports charge-off and balance of {$190.00}, but no activity since XXXX. This appears obsolete and unverifiable. Must be deleted under FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX ( Acct : XXXX ) Reports charge-off with balance {$360.00}. Duplicate dispute remarks violate FCRA 607 ( b ) for accuracy and integrity of reporting. Must be removed. 

XXXX XXXX  ( Acct : XXXX / XXXX ) Debt buyer entries without proof of original creditor authorization or chain of title. Under FDCPA 809 ( b ) and FCRA 609 ( a ) ( 1 ), furnish original signed contract or delete. 

XXXX  XXXX XXXX XXXX XXXX ( Acct : XXXX two accounts ) Reports conflicting charge-off balances ( {$560.00}, {$200.00} ) and payment histories, violating FCRA 607 ( b ). Unverifiablemust be deleted. 

XXXX XXXX XXXX ( Acct : XXXX ) Reports collection for XXXX. No original creditor contract or chain of assignment is provided, violating FDCPA 807 ( 8 ) ( false credit reporting ). Must be deleted. 

XXXX XXXX ( Acct : XXXX ) Reports as charged off and purchased by another lender, yet still shows balance {$0.00}. This is duplicate, misleading, and unverifiable under FCRA 611 ( a ) ( 5 ) ( A ). 

Demand : Provide copies of the original signed contracts, payment histories, and legal chain of assignment for each account. 

If Experian or the furnishers can not fully verify within 30 days, these accounts must be permanently deleted. 

Be advised that continued reporting of unverified or inaccurate information will constitute willful non-compliance with the FCRA, subjecting Experian and furnishers to civil liability under 15 U.S.C. 1681n & 1681o.

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