vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
Violated the following - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681b, 1681g, 1681s-2 ( b ) - Uniform Commercial Code UCC 1-308 , UCC 1-103 - Identity Theft Enforcement 18 U.S.C. 1028A I have submitted multiple lawful disputes to credit reporting agencies, including Experian, TransUnion, and Equifax, regarding inaccurate, unverifiable, or fraudulently furnished accounts. These disputes were either ignored, improperly handled, or met with unlawful tactics such as : - Account suspension without cause ( TransUnion ) - Improper reclassification of my dispute as an identity theft issue ( Experian ) - Failure to delete unverifiable information. Experian attempted to reclassify consumer lawful dispute as identity theft to shift the burden, in violation of 15 U.S.C. 1681i and 1681s-2 ( b ).

These acts constitute willful noncompliance and a violation of federal 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 2025-08-06 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: MD

Complaint narrative:
Violated the following - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681b, 1681g, 1681s-2 ( b ) - Uniform Commercial Code UCC 1-308 , UCC 1-103 - Identity Theft Enforcement 18 U.S.C. 1028A I have submitted multiple lawful disputes to credit reporting agencies, including Experian, TransUnion, and Equifax, regarding inaccurate, unverifiable, or fraudulently furnished accounts. These disputes were either ignored, improperly handled, or met with unlawful tactics such as : - Account suspension without cause ( TransUnion ) - Improper reclassification of my dispute as an identity theft issue ( Experian ) - Failure to delete unverifiable information. Experian attempted to reclassify consumer lawful dispute as identity theft to shift the burden, in violation of 15 U.S.C. 1681i and 1681s-2 ( b ).

These acts constitute willful noncompliance and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, This is my second letter to dispute inaccurate and outdated information appearing on my credit report from XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is currently being reported as charged off with a balance of {$860.00}, which is incorrect.

Here 's what's wrong : - The balance is inaccurate or outdated.

- The account status and remarks may not reflect the current or correct situation. 
I request verification of the reporting under my rights per the Fair Credit Reporting Act ( FCRA ) Section 611.

Please conduct a reinvestigation and : 1. Verify the accuracy of the information with XXXX XXXX. 
2. Remove incorrect data.

3. Remove account from credit report 4. Provide me with a written statement of the results.

Attached are : - A copy of my ID - A copy of the credit report with the item highlighted I expect resolution within 30 days of receipt of this letter. If you find the data can not be verified, you are required to delete it from my report.

Sincerely

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 2025-08-06 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: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, This is my second letter to dispute inaccurate and outdated information appearing on my credit report from XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is currently being reported as charged off with a balance of {$860.00}, which is incorrect.

Here 's what's wrong : - The balance is inaccurate or outdated.

- The account status and remarks may not reflect the current or correct situation. 
I request verification of the reporting under my rights per the Fair Credit Reporting Act ( FCRA ) Section 611.

Please conduct a reinvestigation and : 1. Verify the accuracy of the information with XXXX XXXX. 
2. Remove incorrect data.

3. Remove account from credit report 4. Provide me with a written statement of the results.

Attached are : - A copy of my ID - A copy of the credit report with the item highlighted I expect resolution within 30 days of receipt of this letter. If you find the data can not be verified, you are required to delete it from my report.

Sincerely

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 2025-08-06 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This complaint concerns an illegally reported collection account on my credit report from the collection agency Caine & Weiner, with an original creditor of XXXX XXXX. The debt is not mine. 
This is a severe mixed-file error. My name is XXXX XXXX XXXX XXXX. The debt you are reporting belongs to my deceased father, XXXX XXXX XXXX XXXX, who passed away in XX/XX/year>. My grandfather, father, myself, my son, and my grandson all share a similar name, and your failure to distinguish between these generations is a blatant violation of my rights. 
The reporting of this account is not only fraudulent but also plagued with inconsistencies. The balance, as reported on my credit files, is inaccurate and different across the bureaus. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all furnished information be 100 % accurate and consistent. 
This inaccurate reporting has caused me significant financial hardship, including a severe hit to my credit score, denial of credit, and denial of housing.

I demand an immediate investigation and deletion of this inaccurate account. Any continued reporting of this fraudulent debt will be considered a willful violation of the FCRA, for which I will seek legal counsel and pursue all available remedies, including statutory and actual damages. 
Again to be clear if this is not removed immediately on the first day that surpasses the legal given amount in the state of California I will pursue this and civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am disputing an account listed on my credit report under the name XXXX  or XXXX  XXXX  XXXX, account number ending in XXXX. I do not recognize this account, have never opened it, and have no knowledge of any related debt. I believe this is either a case of mistaken identity or inaccurate reporting. 

I first noticed the account on my credit report through XXXX XXXX. I contacted them, and they confirmed that the data was pulled from TransUnion and Equifax and that I should file a dispute directly with the credit bureaus. 

This account is negatively impacting my credit, and I request that the credit bureau provide verification of the account, including any documents with my signature. If they can not validate it, I am requesting the immediate removal of this account from my credit report as required under the Fair Credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Perpay, Inc.
State: GA

Complaint narrative:
I am filing a complaint against PERPAY and XXXX regarding an account ( PERPAY Account XXXX XXXXXXXX ) that has remained on my credit report for years despite repeated disputes and no proper validation. 

I have challenged this account multiple times, dating back over two years. Each time I was told it was " verified as accurate, '' but no documentation was ever provided. The account is listed as charged off in XXXX, yet the balance continues to report as past due through XX/XX/XXXX. 

This reporting is inaccurate and unfair, and I have suffered credit damage as a result. My requests for validation under the FCRA and FDCPA have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-06 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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 explanation
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
I submitted a formal written dispute packet to Equifax on XXXX XXXX, 2025, regarding multiple inaccurate, outdated, or unverifiable accounts listed on my credit report. My dispute followed the proper format under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S.C. 1681i and 1681c. I also referenced UCC 3-501 and 3-505 to demand original documentation from the original creditors for validation of the debts.

The packet included six disputed accounts with issues such as : Charge-offs older than 6 years Paid and closed accounts still showing derogatory remarks A debt buyer reporting a balance with no proof of assignment or original contract Inconsistent payment and delinquency dates Despite this, Equifax failed to respond adequately or provide sufficient documentation to justify continued reporting of these accounts. Under 15 U.S.C. 1681i, they are obligated to verify each disputed item within 30 days or remove it entirely. Failure to do so constitutes a violation of the FCRA.

I am requesting the CFPB compel Equifax to : Fully reinvestigate each disputed item ; Delete any entry that can not be verified with original documentation ; Cease reporting of unverifiable or outdated negative accounts ; Provide a full written summary of their investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Removal of Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries listed on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only appear on a credit report if I have explicitly authorized a credit check in connection with a credit application. I did not authorize the inquiries listed below and am requesting that they be investigated and removed immediately. 

The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries are negatively impacting my credit score and were not authorized by me. I respectfully request that Equifax conduct an investigation into these inquiries and provide written confirmation of the results. 

Enclosed is a copy of my credit report with the inquiries highlighted, a copy of my government-issued ID, and proof of address for your verification. 

Please investigate these inquiries and remove any that are found to be unauthorized. If you require any additional information from me, please contact me at the phone number or email address provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America credit card account {$1700.00} had {$74.00} payments made toward the account the last 6 months and they failed to properly indicate payment history, also account was paid in full over ( XXXX ) days ago and company has not updated any and or all three bureaus. I requested the payment history be updated and account status be updated and still no action. This Account needs to reflect PAID IN FULL OR DELETED IMMEDIATELY. 

XXXX XXXX XXXX- No balance due and account was deleted by XXXX  however, still negatively and improperly reflecting with XXXX XXXX XXXX XXXX Resulting in adverse action.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: OH

Complaint narrative:
I was incarcerated for XXXX  years and my account was inactive and unused during that time period and I think thats why it got blocked. I tried making a new $ cashtag and cash app account but when I tried identify myself using my Full Name, Date of Birth, and Social Security number the new cash app account and $ cashtag says I'm blocked on my old account and can't use the new account I'm trying to create. 
I contacted the Cash App support team and told them my situation did everything they needed for me to verify my identity with proof of my incarceration and still can't get the issue resolved.

Company response to consumer: Closed with explanation