vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information listed on my Equifax credit report. The report incorrectly shows a former name, XXXX XXXX, which is not mine. My only legal and true name is XXXX XXXX. Additionally, the report includes previous addresses at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, and XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX. Neither of these addresses are my previous residences. My only and current address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Equifaxs failure to maintain accurate personal information in my credit file violates these requirements and results in the misrepresentation of my identity.

The presence of these incorrect names and addresses could lead to confusion, misidentification, and inaccurate credit decisions by lenders and other entities that rely on my credit report. This inaccuracy negatively impacts my credit profile and could unjustly affect my ability to obtain credit or favorable financial terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-06-18 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: LA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX and 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 2025-06-18 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: VA

Complaint narrative:
XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AK

Complaint narrative:
My account was frauded and trying to open new account and says it was closed. Want to get it figured out. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This reported late payment is damaging and does not reflect my actual payment history. I value my credit reputation and have always prioritized paying bills on time. I kindly request the removal of this incorrect entry from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Verification and Inaccurate Information on Credit Report I, XXXX XXXX XXXX, am submitting this formal complaint regarding the continued reporting of inaccurate, outdated, and unverifiable information on my credit file. I am writing on my own behalf as a natural person and exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my credit report reflects only accurate and fully verified information. 

Over 15 days have passed since I submitted a dispute requesting the reinvestigation and correction of several inaccurate items, and I have not received the legally required reinvestigation details under 15 U.S.C. 1681i ( 7 ). This section requires the credit bureau to provide a description of the reinvestigation procedure, including : The business name, address, and telephone number of any furnisher of information contacted The name of the individual or department that verified the item Documentation used to validate the disputed data Despite my formal dispute, the following inaccurate or unverifiable items are still being reported : Disputed Accounts and Personal Data Errors : Bankruptcy XXXX XXXX Case No. XXXX Dispute : Accuracy and completeness Unauthorized Inquiry XXXX XXXXXX/XX/scrub>/2024 Dispute : Not authorized, must be removed Inquiry XXXX XXXX XXXXXX/XX/year>2024 Late Payments ( Closed/Paid ) XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Former names : XXXX, XXXXXXXX XXXX XXXX XXXX Also Known As : Variations of XXXX, XXXX, XXXX Previous Addresses : XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX Employers : XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I submitted a written dispute to Resurgent Capital Services ( Account Number Ending in XXXX / Reference # XXXX ) requesting full validation of an alleged debt. 
The response I received did not include clear, complete verification as required under 15 U.S.C.

1692g.

Specifically, the documents lacked : - A clear itemization of the amount allegedly owed.

- A complete chain of title or purchase agreement between the original creditor and the agency.

- Proof of ownership or a contract tying me to the alleged debt via signature ( redacted or un-redacted contract ) This lack of transparency violates the standards set by Fields v. Wilber Law Firm, 383 F.3d 562 ( 7th Cir. 2004 ), in my state of Illinois, in which the court ruled that : " Debt collectors must clearly and accurately state the amount of the debt ; failure to do so may mislead the consumer. '' I believe this agency is misleading me by failing to disclose the breakdown of the alleged amount and is attempting to collect without proper verification. I am requesting that the CFPB investigate this matter, ensure the agency ceases collection efforts, and have any reporting to credit bureaus removed until adequate validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: OH

Complaint narrative:
XX/XX/year> RE : FEE AGREEMENT AND ARRANGEMENT FOR ACCOUNT NUMBER : XXXX In XX/XX/year>, I applied, and was approved, online for a Netspend prepaid debit card account. Subsequently, I received the debit card associated with said account through the USPS mail system within the following two weeks. I did NOT activate the aforementioned card until XX/XX/year>. On approximately XX/XX/year> I was reviewing my statement ( account ) and I discovered that Netspend was debiting my account {$1.00} for every transaction that occurred. Further investigation and review of my account revealed that I was not charged a monthly fee of $ XXXX for said account. After said revelations I called Netspend customer service and spoke with XXXX regarding the fees on this account. ( Audio recording available for this entire conversation. ) XXXX first stated that the type of account that I had only had one fee structure available and that was a fee of {$1.00} per transaction. During the call I was already logged into my online account portal. I instructed XXXX to take note of the section indicating and allowing different fee structures for said account. I further stated that when I had originally applied for this account that I selected the fee structure of $ XXXX per month. I did NOT select, and or agree to a fee of {$1.00} per transaction. XXXX stated that due to the significant period of time between the card/ account being approved, shipped, and received and the time that it was activated that the fee structure that was selected would revert back to the XXXX per transaction. In sum, due to the 6 month time gap, my selection of a monthly fee arrangement was changed WITHOUT my consent to the fee arrangement of XXXX per transaction. 

XXXX stated that I could switch the fee structure to monthly fee structure ( at that time ) and pay said fees up front ; however, he indicated that I would NOT be refunded for fees already incurred, which were fees that I never agreed to or selected in the first place. 

I demand an immediate refund of all {$1.00} transaction fees that have occurred on this account. ( As of the date of this communication is approximately {$64.00} ). I never agreed to said fee structure in any application or set up of account.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TRANSWORLD SYSTEM INC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$210.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TRANSWORLD SYSTEM INC buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Verification and Inaccurate Information on Credit Report I, XXXX XXXX XXXX, am submitting this formal complaint regarding the continued reporting of inaccurate, outdated, and unverifiable information on my credit file. I am writing on my own behalf as a natural person and exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my credit report reflects only accurate and fully verified information. 

Over 15 days have passed since I submitted a dispute requesting the reinvestigation and correction of several inaccurate items, and I have not received the legally required reinvestigation details under 15 U.S.C. 1681i ( 7 ). This section requires the credit bureau to provide a description of the reinvestigation procedure, including : The business name, address, and telephone number of any furnisher of information contacted The name of the individual or department that verified the item Documentation used to validate the disputed data Despite my formal dispute, the following inaccurate or unverifiable items are still being reported : Disputed Accounts and Personal Data Errors : Bankruptcy XXXX XXXX Case No. XXXX Dispute : Accuracy and completeness Unauthorized Inquiry XXXX XXXXXX/XX/scrub>/2024 Dispute : Not authorized, must be removed Inquiry XXXX XXXX XXXXXX/XX/year>2024 Late Payments ( Closed/Paid ) XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Former names : XXXX, XXXXXXXX XXXX XXXX XXXX Also Known As : Variations of XXXX, XXXX, XXXX Previous Addresses : XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX Employers : 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 non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I'm a victim of Identity theft. I have fraudulent accounts on my credit report : 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 Please see my Identity Theft Report and documents in the attachments.

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 2025-06-18 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: CA

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-06-18 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-18 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-06-18 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: MI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a collection account that I have no knowledge of, or the responsible party. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I don't have this collection account reporting to any other credit bureaus ( XXXX XXXX XXXX ) : ( XXXX ) I demand this collection account be removed from my credit report as creditor requested. Thanks, I included the letter from 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 non-monetary relief