vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX and Experian for continuing to report an inaccurate and unverifiable account in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is a charged-off account from XXXX ( Account number ending in XXXX ) reporting a balance of {$460.00}. I originally disputed this account through Experians portal on XX/XX/year>. Experian acknowledged receipt of the dispute and marked the account as Pending.

On XX/XX/year>, I sent a certified Method of Verification ( MOV ) letter to Experian demanding details under FCRA 611 ( a ) ( 7 ), including the name of the furnisher and how the account was verified. On XX/XX/year>, I received a vague and non-substantive response from Experian stating only that the account had not been changed and will remain on my credit report. No actual verification or documentation was provided, which is a clear violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As of XX/XX/year>, the account still remains on my credit report with no resolution or supporting documentation from either Experian or XXXX. This is a documented pattern of noncompliance and procedural failure.

I request the following : 1. Permanent deletion of the XXXX account from all Experian credit reports. 
2. Enforcement action against both XXXX and Experian for failure to follow FCRA dispute and verification procedures.

3. Full disclosure of the method and source of verification if they claim to have one.

I have also preserved evidence of my certified dispute letters, emails, and Experian 's vague responses.

Thank you for your assistance in holding these companies accountable.

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 2025-07-27 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: FL

Complaint narrative:
there accounts that dont belong to me that are reporting on my credit report and i have called in already numerous times to remove me from the credit cards. they were authorized users from my x and we both have called and furnishers have removed us but bureaus are 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 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Recently received bitcoin to cash app, first was told it was deposit than was told it was forced to redirect to a different wallet. This is done my cash app in person because fee are low XXXX XXXX XXXX Im not trying to be like the other who waited 3 months for there crypto to land. I recently lost my job & am XXXX  this is hurting more than ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX, XXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Transunion & Experian, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Inaccuracy : I do not owe collection. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of screenshot of collection I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Screenshot of collection.

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my TRANSUNION & XXXX  Credit Report. My latest credit report shows 1 credit inquiry that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : These inquiries has no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 1681b

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 2025-07-27 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: SC

Complaint narrative:
I am filing this complaint because I have repeatedly disputed inaccurate and potentially fraudulent accounts appearing on my Equifax credit report, and Equifax has failed to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have disputed the following accounts :. Two accounts listed under XXXX XXXX XXXXXXXX account with XXXX XXXX XXXX XXXX account with XXXX XXXX, XXXX I have no knowledge of these accounts and believe they are the result of identity theft. I submitted disputes directly to Equifax with supporting documentation, but they responded by stating that they will not investigate, claiming my disputes are frivolous. They have provided no proof, documentation, or evidence of how or with whom the information was verified. 

Equifaxs refusal to properly investigate or provide validation violates FCRA Section 611, which requires them to conduct a reasonable investigation and provide the consumer with the method of verification.

Additionally, Equifax experienced a known data breach involving the exposure of millions of consumers personal information, including mine. This breach may have directly contributed to the identity theft affecting my credit. 

The continued reporting of these inaccurate accounts is causing me significant financial harm and emotional distress. I have been denied credit and am facing higher interest rates due to accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX I submitted a dispute to Equifax via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Equifax received this XXXX XXXX XXXX While Equifax claims to have completed the investigation by XXXX XXXX XXXX, they failed to mail the results within 30 days as required by 15 U.S.C $1681i(a)(6)(A). I did not receive a mailed copy of the response until XXXX XXXX XXXX   This violates the FCRA,  and I request that the disputed item be deleted due to XXXX\'s non compliance. In my letter there was specific instructions I need a written mail correspondence to the address listed in the letter and received 3 days later past the 30 day requirement. I already mailed a second complaint before I received the response from Equifax on XXXX XXXX XXXX XXXX XXXX I sent another 2nd  request stating I have not received any "Written mail correspondence" on time and  information telling them they violated the FCRA and have yet to hear back. The certified mail tracking for the second request is XXXX XXXX XXXX XXXX XXXX XXXX which was received by Equifax on XXXX XXXX XXXX  \n\nAll in all, they failed to respond with written communication mail response as stated in the mail and it was past due. They have yet to respond to my second complaint \nwithin the 5 days required by 15 U.S.C $1681i(a)(6)(A).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$250.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from 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 2025-07-27 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:
I am writing to dispute the accuracy of the balance history reported on my XXXX  account XXXX I received a response stating, Unable to process dispute : trade all balance history soft deleted. 

If the balance history has been soft deleted and can not be accessed or verified, then under the Fair Credit Reporting Act ( FCRA ) Section 611, this account must be removed from my credit report. Furnishers and credit bureaus are required to report only verifiable and accurate information. 

Please conduct a reinvestigation and REMOVE THIS ACCOUNT IMMEDIATELY! 

Thank you for your prompt attention to 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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I had signed up for a XXXX XXXX Credit card on XX/XX/XXXX. My first statement was generated on XXXX XXXX. As part of a promotional offer, I was given an interest fee loan of {$5000.00}, withe the promotional offer expiring on XX/XX/XXXX. Through out this period I diligently and Conistently paid the amount due towards the initial purchase of {$5000.00}. Finally I was due the amount of {$1500.00} post my payment in XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, XXXX and XXXX I tried multiple times to login to the website and clear the total amount due of {$1500.00}, but the website was experiencing technical issues and did not let me login. I have screenshots of the same. 

I was out of country and on XXXX of XXXX I again tried to clear the amount in full and saw at this point in time I was already charged an Interest of {$1100.00}. I went ahead and cleared the amount actually due from my end of {$1500.00}. 

I tried to call the Contact center and explain the issue and they did not reverse the interest charge in full. 

I have been incorrectly charged an interest fee, due to no mistake from my end, primarily caused by issues from the the website of the credit card provider. 

To that I would like the interest completely waived off from my account. Request your help in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
i requested chain of title, debt validation and for all inaccuracies to be deleted they have not answer any request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i requested chain of title, debt validation and for all inaccuracies to be deleted they have not answer any request

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : 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 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 Unauthorized Hard Inquiries I also dispute the following hard inquiries as unauthorized and request their deletion : 1. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
On XX/XX/year>, I signed a lease agreement for a XXXX XXXXXXXX XXXX through XXXX XXXX XXXX, with Honda Financial Services ( HFS ) as the lender. At the time of signing, several optional add-ons were included in the lease : XXXX XXXX ( {$2900.00} ), XXXX Maintenance XXXX {$760.00} ), and XXXX XXXX ( {$2900.00} ), totaling over {$6600.00}. I was not clearly informed that these were optional or that they significantly increased the lease cost. 

After reviewing the lease agreement at home and realizing the cost impact, I contacted Honda Financial Services and was told by a representative that cancelling the add-ons would result in a refund applied to the principal balance of the lease, although it would not lower the monthly payment. 

On XX/XX/year>, I went to XXXX XXXX XXXX to request cancellation of the add-ons. The dealership staff discouraged me and claimed that cancelling would result in no refund at all, and that I would be giving free money to the bank. I called HFS again from the dealership and was told the same thing as before : that a refund would be issued to reduce the principal. Based on this information, I submitted the required cancellation forms at the dealership that same day, including an odometer disclosure. 

After this, I was informed by the dealership that no refund would be issued for the XXXX XXXX or XXXX XXXX add-ons, and that XXXX XXXX was non-refundable, despite my timely cancellation. 

I am now being told conflicting things by Honda Financial Services and the dealership, and no refund has been applied to my account. I believe I was not fully informed about these products and received conflicting information about their cancellation and refund. I am requesting that this be resolved fairly and the appropriate refunds applied to my lease as originally communicated by Honda Financial Services.

Company response to consumer: Closed with explanation