vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am submitting my formal follow up dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 

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 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 Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately.

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 2025-11-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX  XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification FCRA 611 ( a ) ( 7 ) Dear Experian, This letter is a formal request, under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), for Experian to disclose the method of verification used in your reinvestigation of my prior dispute.

I previously disputed one or more items on my credit report, and Experian reported that the disputed information was verified as accurate. Under 611 ( a ) ( 7 ), I am entitled to a description of the procedure used to verify the accuracy and completeness of the information. 

Please provide the following details in writing within 15 days of receiving this request : 1. The name, address, and telephone number of each furnisher, creditor, or third-party source you contacted during the reinvestigation.

2. A detailed explanation of the steps taken by Experian to verify the disputed information, including whether an electronic verification system ( e-OSCAR or otherwise ) was used.

3. The date and time the verification was completed and by whom.

4. Copies of all documentation Experian received, reviewed, or relied upon from the furnisher to verify the account.

If Experian can not or will not provide this information, please delete the disputed item ( s ) from my credit report immediately in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 

Please mail your full response to the address listed above. 

Sincerely, 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 2025-11-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting once again a follow up to formally dispute the continued reporting of inaccurate late payment data on several open accounts. This constitutes my fourth request for Equifax, Experian, and TransUnion to conduct a thorough and fair reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ). Despite my previous disputes and the submission of supporting evidence, these accounts remain reported inaccurately, indicating that prior investigations were not conducted with the diligence and care required by law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} 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 Balance Owed : {$4800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting once again a follow up to formally dispute the continued reporting of inaccurate late payment data on several open accounts. This constitutes my fourth request for Equifax, Experian, and TransUnion to conduct a thorough and fair reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ). Despite my previous disputes and the submission of supporting evidence, these accounts remain reported inaccurately, indicating that prior investigations were not conducted with the diligence and care required by law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} 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 Balance Owed : {$4800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX XXXX XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/year>XXXX   I sent payment from a client for services in the amount of {$450.00} after transaction fees the amount to be deposited into my business account would be {$440.00}. 

XXXX  indicates payments may take up to 30 minutes to complete. 

It has been 15 days and I have not yet received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am sending this complaint to formally dispute several derogatory accounts listed on my credit report. The accounts below are either inaccurate, unverifiable, or reporting information that can not be properly substantiated by the original or reporting creditor. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting that you permanently delete these entries from my credit report if they can not be fully verified within the legally required time frame. Accounts in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$26000.00} XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am sending this complaint to formally dispute several derogatory accounts listed on my credit report. The accounts below are either inaccurate, unverifiable, or reporting information that can not be properly substantiated by the original or reporting creditor. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting that you permanently delete these entries from my credit report if they can not be fully verified within the legally required time frame. Accounts in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$26000.00} XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I'm asking American Express to please remove my address from their list. I'm sick and tired of receiving their junk mail in my mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal contact information is incorrect on my XXXX XXXX, Experian, and XXXX  credit report. I have sent letters to all parties to update my information and it is still reporting old information. 

Wrong information- Employment XXXX XXXX XXXX should not be on my bureau- Needs to be removed from all Bureaus Wrong information- XXXXXXXX XXXX XXXX -should not be on my bureau- Needs to be removed from all Bureaus Correct information XXXXXXXX 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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I recently came inside of the bank, fifth third bank on Saturday XX/XX/XXXX. 2025, at XXXX the bank teller advised if I came inside of the branch I could deposit my paycheck and I would have it the next business day. 2 days went by, and I have not received my money yet. They then stated that I have a hold on my money until XX/XX/year>. Being that I have no access to any funds, it caused me to get evicted out of my apartment due to not paying rent. My cell phone is also off, and XXXX cant pay my car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that, pursuant to my rights under the federal Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand an end to all communication with me, my family, friends, and employer regarding the alleged debt referenced above.

Please do not contact me at home, at work, on my cell phone, or at any other location, by phone, mail, email, or any other form of communication. 
The FDCPA, Section 805 ( c ), requires you to cease all further communication after receiving this written notice. The only exceptions are to inform me that : You are terminating your collection efforts.

You are invoking specific remedies which are ordinarily invoked by you or your company. 
You intend to file a lawsuit or pursue a specified legal remedy. 
Any contact other than for these limited purposes will be considered a violation of my rights under the FDCPA, and I will immediately file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state 's Attorney General 's office. 
I also demand that you provide written verification of the alleged debt, including the name and address of the original creditor and the current amount owed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Im filing a complaint against XXXX for inaccurately reporting my loan as being 30 days late for three consecutive months. These reports are false. 

I made my payments within the required timeframe each month, and XXXX even changed my due date and lowered my payment during that period, which confirms they were aware of my account being active and not delinquent. 

Despite this, XXXX continues to report me as late to the credit bureaus, which has damaged my credit score. I have spoken with their customer service, and was told by agents that my account was not in jeopardy, and that theres no payment arrangements they can do, but yet they have not corrected the issue or provided documentation to justify the negative reporting. 

Im requesting that CFPB investigate XXXX reporting practices and require them to remove or correct the false late payment entries on my credit reports.

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 2025-11-12 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:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I signed up for a gym membership its XXXX $ a month they took my information which I use to pay th membership and charged me XXXX dollars from a different company for personal training i have never used and also flagged the merchant days before they took the money. I told cashapp and the manager at the gym I dont approve any of the XXXX XXXXXXXX charges they ignored me and charged me anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am submitting this complaint because Columbia Debt Recovery is reporting inaccurate and unverifiable information on my credit report. The account, listed under number XXXX, was opened on XX/XX/year>, with a reported balance of {$14000.00}. I have not received proper validation or documentation proving the accuracy of this debt or confirmation that Columbia Debt Recovery has the legal authority to collect or report it. The company has not provided a signed lease, billing statements, or any records verifying the legitimacy of the amount being claimed. Despite the absence of proof, this account continues to appear as a collection and is negatively impacting my credit profile. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Columbia Debt Recovery to provide complete and verifiable documentation for this account. If the company can not fully validate the debt, I respectfully request that the account and all related negative reporting be deleted from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation