vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this statement to address the accounts currently being disputed on my credit report across three major credit bureaus : Equifax ( EQ ). Below, I have outlined the relevant accounts and inquiries that I am disputing, along with specific details for each bureau. 

CHARGED OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified credit reporting by Caine and Weiner, which is currently reporting a collection account on my consumer credit report. 

This account is being reported without proper validation of the alleged debt and without verification that the agency has the legal authority to collect or furnish this information. Despite being disputed, the collection continues to be reported, causing ongoing harm to my credit profile. 

The continued reporting of this collection account violates multiple provisions of federal consumer protection law, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of information furnished to consumer reporting agencies.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with the collection of a debt.

FDCPA, 15 U.S.C. 1692g ( b ) Continued collection activity without proper validation of the debt.

This collection account continues to be published without lawful verification, documentation, or proof of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
The report isnt fully accurate or complete. Id appreciate it if you could review it and make the necessary corrections.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-18 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 submitting this complaint as a consumer who is working to ensure that my Equifax credit report accurately reflects my credit history. 

Upon review, I identified the following charged-off accounts that I believe are inaccurately reported or not properly verified : XXXX XXXXXXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$1600.00} ) XXXX XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$8000.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX ( Opened XX/XX/XXXX, Balance {$3500.00} ) XXXX XXXXXXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$12000.00} ) XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX, Balance {$50.00} ) XXXX XXXXXXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) Some of these accounts continue to report as charged off despite reflecting XXXX balances. I am disputing the accuracy, balance, and charge-off status and request verification of reporting authority. 

I am also disputing the following inquiries, which I do not recall authorizing : XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Additionally, I dispute the late payment reporting on the following account : XXXX XXXX XXXX  Account # XXXX I respectfully request that Equifax complete a full reinvestigation. If the information can not be verified as accurate and complete, I request that it be corrected or deleted in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. The disputed accounts were verified without providing any documentary proof that I opened or authorized them. These accounts are the result of identity theft. I am requesting immediate deletion under FCRA 605B and written confirmation of the method of verification used.

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 2025-12-18 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:
XXXX failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. The disputed accounts were verified without providing any documentary proof that I opened or authorized them. These accounts are the result of identity theft. I am requesting immediate deletion under FCRA 605B and written confirmation of the method of verification used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
From my credit report, XXXX XXXX sold a collection under my name without any proper investigation to Transworld System inc/ , which is now reported to my credit, stating that I owe a amount of {$1300.00}. I have absolutely no knowledge of this collection, nor have I ever had XXXX this debt does not belong to me. No one has ever tried to connect me about this matter. I also never gave my consent to no one not XXXX and not the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I fell behind on my payments due to not working that time .. my score was XXXX at first until I lost my job. Ive always had a 100 % payment history due to not working my credit score dropped tremendously almost XXXX points .. Ive tried calling the companies, the banks like Navy Federal , XXXX I can not get any help or assistance where I can catch up.. I just got a letter in the mail from XXXX saying if I dont pay there going to try to pass it to a attorney .. Ive never been in a situation like this and hoping I can get my score up so I can get my business credit, personal credit back up. These companies dont want to help you the only want to put u in debt knowing people do have financial difficulties.. I like paying my pays bills on time I just got in a hole financially this past year. My wallet had gotten stolen with credit cards my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WA

Complaint narrative:
I am submitting a dispute regarding the following accounts on my credit report. These items are reported inaccurately, and I am requesting that they be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Please see the details of the disputed items below : CHARGED OFF XXXX 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 2025-12-18 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: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ Company Name ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have been unable to verify my identity on my Cash App account for over three weeks due to an identity mismatch caused by their verification system. 
After contacting Cash App phone support, my verification attempts were reset and I submitted my correct legal information and a valid government-issued ID. Each submission returned the same error, incorrectly linking my information to another individual named XXXX. 
I have contacted Cash App multiple times through phone and in-app support. They acknowledge the issue but only instruct me to resubmit my documents through the same automated identity verification flow. Each resubmission reproduces the same error and does not resolve the mismatch. 
I explicitly requested a manual compliance review or information on the formal appeal process, but the company has not provided any of this. My account remains unusable and there is no clear path to resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am a verified victim of identity theft and am submitting this complaint regarding an unauthorized and fraudulent lease-to-own account that Velocity Investments , LLC claims to have acquired from XXXX XXXX. 

Velocity Investments , LLC sent me a notice stating they acquired Account Number XXXX with a balance of {$220.00} as of XX/XX/year>. I have never opened, authorized, or agreed to any lease-to-own account with XXXX XXXX or Velocity Investments , nor have I signed any contract or agreement related to this account. 

I have already filed an official FTC Identity Theft Report ( Report # XXXX ), which explicitly lists Velocity Investments , LLC account # XXXX as fraudulent. This report was submitted under penalty of perjury and confirms that this account is the result of identity theft, not my actions velocity ftc. 

Despite this, Velocity Investments is attempting to collect payment and has asserted ownership of a debt they can not legally substantiate. To date, no signed contract, application, proof of identity verification, or documentation linking me to this alleged debt has been provided.

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : Attempting to collect a debt not owed Failure to conduct a reasonable investigation after notice of identity theft Reporting or threatening to report inaccurate information Continuing collection activity after receipt of an FTC Identity Theft Report This fraudulent account is causing ongoing harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
Identy theft is on my credit report. I disputed it on Experian.

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 2025-12-18 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am disputing inaccurate late payment reporting by U.S. Bank on my credit report. 

Pursuant to a divorce decree effective XX/XX/year>, legal responsibility for this account transferred solely to my former spouse as of that date. I was no longer legally responsible for making payments after that point. 

Additionally, I am subject to a court-issued protective order that prohibits direct contact with my former spouse. As a result, I had no ability to coordinate, monitor, or ensure payments after responsibility transferred. 

Despite this, U.S. Bank has reported late or missed payments on my credit report that occurred after XX/XX/year>. I disputed this inaccurate reporting through XXXX, XXXX, and XXXX  and requested verification and correction of the payment history. 

U.S. Bank responded to the credit bureau disputes and stated that the reporting was accurate ; however, the response was difficult to interpret and did not address the transfer of legal responsibility under the divorce decree or the constraints imposed by the protective order. The inaccurate late payment reporting remains on my credit report. 

I believe U.S. Bank failed to conduct a reasonable investigation and is continuing to report information that is misleading and inaccurate as it applies to me. I am requesting correction or removal of late payment entries reported after XX/XX/year>. 

I will be providing all supporting documents.

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 2025-12-18 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: GA

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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