vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Im XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Im XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX acknowledged in a previous CFPB complaint response that they no longer own or service the account in question, stating that it was repurchased by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Despite this, XXXX XXXX continues to furnish data on the account to the credit bureaus. In their latest response, they attempt to justify their reporting by citing the 7-year rule under the Fair Credit Reporting Act ( FCRA ), claiming they can continue reporting until XX/XX/XXXX. This is a misinterpretation of the law. The 7-year rule under 15 U.S. Code 1681c ( a ) ( 4 ) allows accounts that were charged off or placed for collection to be reported for seven years from the date of first delinquencybut only by a creditor who still owns or services the account. Because XXXX XXXX no longer owns or services the account, they do not have legal authority to furnish data on it. Continuing to report an account they no longer have any legal interest in is a direct violation of : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reason to believe is inaccurate. 15 U.S. Code 1681s-2 ( b ) : Requires furnishers to investigate disputes and cease reporting unverifiable or unauthorized information. 15 U.S. Code 1681c ( a ) ( 4 ) : Limits the reporting of accounts charged off or placed for collection to 7 years from the date of first delinquencynot from the time they were previously owned. XXXX XXXX has confirmed they are no longer the creditor on this account. Their continued reporting is not only unauthorizedit is harmful to my credit standing and a clear violation of the FCRA. I am requesting that the CFPB enforce the deletion of this account from all credit bureaus and require XXXX XXXX to cease all furnishing activity on this account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
Pursuit to Section 605b of the FCRA Transuion Equifax & Experian has failed to protect my consumer rights and remove fraudulent accounts and inquiries from my personal credit report Said accounts XXXX  XXXX XXXXAuto loan ( fraudulent auto loan did not do business with this creditor This account need to be removed asap I have provided proof I am now suing XXXX XXXX XXXX and will sue Experian if not removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within XXXX ( XXXX ) business days upon receipt of this request. 

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX  Balance : {$1600.00} DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX  Balance : {$2200.00} DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX  Balance : {$2200.00} DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX  Balance : {$2100.00} DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX Balance : {$1900.00} I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that Equifax immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WA

Complaint narrative:
CASH APP p XX/XX/year> XXXX XXXX represented their site as " XXXX XXXX  '', even with an advertisement saying they were going out of business. 

So, looking legit, I purchased a patio furniture, gave my cashapp card info, and they took the payment. However, I never received my merchandise and when I tried calling, their phone was disconnected. 

Then, I contacted Cashapp to report the scam and get my money back, Cashapp DENIED my dispute, even after seeing that it was NOT XXXX XXXX but the merchant was a XXXX company scam. 

I've tried XXXX times to get my {$47.00} back from Cashapp, with no success. 
Now, they say I can't dispute again. 

Please help me get my money credited. 

Thank you XXXX XXXX XXXX ss XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CAINE WEINER regarding an account I have with them 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 : CAINE WEINER ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$98.00}. 

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 CAINE WEINER buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  * Balance : {$0.00}, XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00}, XXXX ( Original Creditor : XXXX DXXXX  ) XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance : {$330.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00}, XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  Balance : {$98.00}, ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00}, XXXX XX/XX/2024, XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened an account through XXXXXXXX XXXX with Comenty bank. I ordered and my total on my bill was XXXX. I called and paid this over the phone and paid in full. The following month I get a bill for XXXX late fee charge and interest. I called them and said I did not pay late in fact I called them and paid over the phone and paid balance in full. She told me no it was late, I argued it was not. I told her I wanted to close the account i did not want anymore false charges added on my card. She told me could not close my card but she would take payment. I said no payment then. On XX/XX/year> I call to pay their fraudulent charges and again close the card. I make the XXXX dollar payment and then ask to speak to a representative that comes on the phone and calls me XXXX and tells me I now owe over XXXX dollars because my first payment did not go through and that I have a return fee charge and owe over XXXX. I advised him that I am NOT XXXX. I am looking at my bank account where the XXXX on XX/XX/XXXX and it was NOT returned! 
He puts me on hold returns to the call and says what is your name? I tell him my name he again puts me on hold and never returns!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$590.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX Balance {$1600.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  Balance : {$98.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
Experian CFPB Complaint Personal Information Dispute ( XXXX XXXX XXXX ) I XXXX XXXX XXXX, am physically filing this complaint against Experian for reporting inaccurate personal identifying information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). My legal name is XXXX XXXX XXXX, and my only valid residential address is XXXX XXXX XXXX XXXX XXXX, SC XXXX. However, Experian continues to report false and unverifiable addresses and employers that are not associated with me. 

The following addresses are incorrect and must be deleted : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Additionally, Experian is reporting inaccurate employment information, listing employers I have never worked for : XXXX XXXX XXXX XXXX XXXX These entries are not only false but harmful and misleading. 

Under FCRA 1681e ( b ), Experian is required to maintain the maximum possible accuracy of the information it reports. Under FCRA 1681i, they are also obligated to conduct a reasonable reinvestigation of any disputed data and to delete unverifiable information. By continuing to report these false addresses and employers, Experian is in violation of federal law. 

I am demanding that Experian : Immediately delete the above-listed addresses and all inaccurate employer information ; Confirm these deletions in writing ; Refrain from re-reporting any unverifiable information without proper documentation as required under FCRA 1681i ( a ) ( 5 ) ( B ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Ive disputed with XXXX XXXX ( TransUnion ) ( Equifax ) multiple times on transnion its showing opened when this account has been closed. Now that its a year or less from being off my credit ( XXXX years ) the balance has been increasing for the first time in XXXX years. After disputing they keep telling me the same thing to contact XXXX XXXX  which is where it was financed. It was bought from XXXX preowned which shortly after purchasing they closed down. I called them today ( XXXX XXXX  ) its showing its been charged off ( closed ) since XXXX, XXXX 2019 and that the charge off amount was XXXX but its showing on XXXX XXXX XXXX and keeps going up since XXXX of this year. But like I stated before its been closed since 2019 so it shouldnt be going up. I took the dealership that I got it from to court because the vehicle had so many issues they didnt show up so the judge told me it was thrown out so Im not even sure why Im being held responsible for this amount. Ive been trying to get help with this account for years but nothing is getting done about it. Its stopping me from buying a home for my children. Its just very aggravating. If someone can please help me resolve this it would be greatly appreciated. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Ive disputed with XXXX XXXX ( TransUnion ) ( Equifax ) multiple times on transnion its showing opened when this account has been closed. Now that its a year or less from being off my credit ( XXXX  years ) the balance has been increasing for the first time in XXXX years. After disputing they keep telling me the same thing to contact XXXX XXXX  which is where it was financed. It was bought from XXXX preowned which shortly after purchasing they closed down. I called them today ( XXXX XXXX  ) its showing its been charged off ( closed ) since XXXX, XXXX 2019 and that the charge off amount was XXXX but its showing on XXXX XXXX XXXX and keeps going up since XXXX of this year. But like I stated before its been closed since 2019 so it shouldnt be going up. I took the dealership that I got it from to court because the vehicle had so many issues they didnt show up so the judge told me it was thrown out so Im not even sure why Im being held responsible for this amount. Ive been trying to get help with this account for years but nothing is getting done about it. Its stopping me from buying a home for my children. Its just very aggravating. If someone can please help me resolve this it would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
[ RE : ending in XXXX ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, 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