vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting an inaccurate account to the three major credit bureaus, Transunion, Experian and Transunion. Account XXXX should be removed under statue FRCA 605B immediately. Police report XXXX should be processed and substituted for the forms backed by the FTC during this government shut down. Account is an error and not mine.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My identity was stolen. Several accounts were open in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am really frustrated that unauthorized inquiries remain on my credit report despite checking again this morning. Refreshing the page did not fix anything, and I urgently need you to look into the documents I sent and take action right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am requesting an investigation and correction of late payment information appearing on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy, and 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. I am providing detailed information on the account for your review. 
XXXX XXXX  XXXXXXXX XXXX XXXX Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is being submitted by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, who is the authorized representative of XXXX XXXX XXXX pursuant to the signed XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. On behalf of XXXX XXXX, we are filing this complaint against TRUIST BANK for reporting inaccurate and misleading information regarding Account XXXX. XXXX. The account in question was settled and closed in XX/XX/XXXX ; however, TRUIST BANK continues to report the account as Paid in settlement while also maintaining multiple Charge-Off ( CO ) notations for several months after the settlement date. This reporting is both inaccurate and misleading, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers of information to provide accurate, complete, and updated consumer data. By continuing to report charge-off activity on an already settled account, TRUIST BANK is misrepresenting the legal status of the account and harming the consumers credit profile. 

Furthermore, TRUIST BANK has failed to meet its obligation under FCRA 1681i ( a ) ( 1 ) ( A ) to ensure reinvestigation and correction of erroneous information after receiving prior disputes. The consumer has acted in good faith by fulfilling the settlement agreement, yet the creditor has not updated its reporting to accurately reflect the current balance and closure of the account. This conduct demonstrates noncompliance with federal reporting standards and an ongoing disregard for accuracy under the FCRA. 

We respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate TRUIST BANKs reporting practices and require immediate corrective action. Specifically, TRUIST BANK should remove all inaccurate charge-off notations, update the account to read Paid Settled in Full {$0.00} Balance Closed, and provide written confirmation of the correction. Supporting documents, including the authorization letter, dispute correspondence, and credit report excerpts, are attached for reference. This complaint is filed in good faith by XXXX XXXX of XXXX XXXX XXXX, XXXX, as the authorized representative of XXXX XXXX XXXX, to ensure proper enforcement of his consumer rights under the Fair Credit Reporting Act.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this follow-up complaint to dispute the accuracy and completeness of several accounts currently being reported on my credit file. After reviewing my report, I have found the following accounts to be inaccurate, incomplete, or unverifiable. I am requesting a reinvestigation under federal law as outlined in the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), I have the right to dispute information in my file that I believe to be inaccurate. The consumer reporting agency is required to conduct a reasonable reinvestigation and must either verify or correct the disputed information within the time allowed by law. Additionally, according to FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of all information reported. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$330.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$29.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$96.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are either inaccurate, incomplete, or unverifiable. As per FCRA 605 ( a ), 15 U.S.C. 1681c, obsolete information that can not be verified or validated must be removed from my credit report. Additionally, under FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ), you must ensure that accurate and complete information is reported, and any failure to do so can result in a violation of the law.

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 2025-10-30 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 am submitting this formal dispute regarding the reporting of certain accounts and inquiries that appear to have been compromised or affected by a data breach. Under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623, Equifax is required to ensure the maximum possible accuracy of consumer credit information and promptly delete any unverifiable or breached data. 
Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} INQUIRIES : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 submitting to formally dispute multiple inaccuracies appearing on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported and to dispute any information that is incomplete, inaccurate, or unverifiable. I am disputing the reporting of a charge-off, several collection accounts, and an inquiry which are either inaccurate, unverifiable, or do not belong to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-10-30 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 am submitting to formally dispute multiple inaccuracies appearing on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported and to dispute any information that is incomplete, inaccurate, or unverifiable. I am disputing the reporting of a charge-off, several collection accounts, and an inquiry which are either inaccurate, unverifiable, or do not belong to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I contacted Toyota Motor Credit Corporation to dispute an inaccurate reporting of my auto loan account XXXX. Toyotas furnished data to Experian and TransUnion incorrectly shows a XXXX days past due status and a 96 % on-time payment rate, despite all payments being made timely. 

Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, furnishers are required to ensure accuracy in reporting and promptly correct any errors once notified. The inaccurate furnishing of payment data has adversely affected my credit reputation and score. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted formal disputes to TransUnion regarding inaccurate reporting of my XXXX XXXX XXXX account. The payment history was reported as 96 % on-time, including an unverified XXXX  days past due entry. This is a clear inaccuracy as I have documentation confirming all payments were made on time. 

Under the FCRA ( 15 U.S.C. 1681i ), credit bureaus must maintain accuracy and reinvestigate disputed information within XXXX days. Both bureaus reporting of false delinquencies has misrepresented my payment performance and caused unnecessary damage to my credit profile. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

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 explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-30 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AZ

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that clearly do not meet the requirement of maximum possible accuracy. These errors have had a serious and ongoing negative impact on me, both personally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am submitting to formally dispute several accounts on my credit report that I believe are inaccurately reported. I am requesting your urgent attention to investigate and correct these items under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C 1681i ) Dispute Inaccurate Information with Credit Bureaus, 623 ( a ) ( 2 ) Duty to Correct and Update, 623 ( b ) Furnishers Duty to Investigate, and 602 Congressional Findings and Purpose. I have carefully reviewed my credit report and noted the following inaccuracies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$890.00} Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} Late 30 days XXXX Late 60 days XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$60000.00} Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
I am submitting to formally dispute several accounts on my credit report that I believe are inaccurately reported. I am requesting your urgent attention to investigate and correct these items under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C 1681i ) Dispute Inaccurate Information with Credit Bureaus, 623 ( a ) ( 2 ) Duty to Correct and Update, 623 ( b ) Furnishers Duty to Investigate, and 602 Congressional Findings and Purpose. I have carefully reviewed my credit report and noted the following inaccuracies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$890.00} Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} Late 30 days XXXX Late 60 days XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$60000.00} Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/year> I attempted to send {$200.00} through Cash App to my sister. Instead, the money was accidentally sent to another user named XXXX XXXX, whom I had never added or interacted with on Cash App. The only prior contact I had was viewing this individuals XXXX profile the day before, after which their account somehow appeared in my Cash App contacts. 

Immediately after noticing the error, I used the Request Refund feature in Cash App and sent a message to XXXX XXXX requesting that the money be returned, explaining that the payment was made in error. The recipient has not responded or refunded the funds. 

I then contacted Cash App Support through the app and submitted a support request, but have not received a resolution. I also contacted my bank, XXXX, to request a reversal or dispute, but they declined, stating the transaction was considered an authorized peer-to-peer payment. 

The payment remains unreturned. I believe this XXXX involve an unauthorized contact link or data sync between Cash App and XXXX that caused the wrong account to appear in my contact list, resulting in the mistaken payment. I am requesting a full investigation, refund of the funds, and review of any possible security or contact-syncing issue that XXXX have led to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: DC

Complaint narrative:
I am submitting to dispute inaccurate late payment on my credit report, specifically concerning an account. The inaccurate reporting is negatively impacting my credit standing and does not reflect my true payment history or obligations. As outlined in the Fair Credit Reporting Act ( FCRA ), I am entitled to a correct and updated credit report. This letter serves to formally dispute the inaccurate reporting of this account under FCRA 611 ( 15 U.S.C 1681i ), and I am requesting that this item be thoroughly investigated and corrected. I would like to present the details of the account in question and the reasons for my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation