vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
XXXXRecently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
XXXXRecently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was not informed in advance that my account would be closed, nor did I receive any explanation or written notice from the creditor, as required by law. This closure has negatively impacted my credit profile and financial planning. 


I respectfully request that the CFPB review this matter and assist in ensuring that [ Credit Card Issuer Name ] provides a full explanation and remedies any negative impact to my credit.

Please let me know if additional documentation or supporting evidence is required. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
I am following up on a previous dispute regarding inaccurate reporting on my credit report. Several accounts and inquiries continue to be reported incorrectly despite my prior requests for investigation. 

Charge-Offs : My report lists XXXX XXXX XXXXXXXX twice with balances of {$5600.00} and {$2900.00}. I am requesting verification of these accounts, as I have reason to believe the reporting is inaccurate or misleading. 
Unauthorized or Inaccurate Inquiries : My credit file contains multiple inquiries that I did not authorize or that are reported inaccurately, including 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. These inquiries inaccurately suggest I sought multiple lines of credit and negatively impact my credit profile.Credit reporting agencies are required by law to ensure all information is accurate, complete, and verifiable. Continued reporting of unverifiable accounts and unauthorized inquiries is misleading and harms my creditworthiness.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
This is in response to the closing of a previous complaint. 

I am appalled by how callous corporations can be, knowing the facts and details of what a victim of an armed robbery went through ... to initially deny that victim not only their refund, citing initially that a transaction was authorized by the victim when it is clear that an armed thief made that transaction... under open ATM cameras. 

But then when the victim was granted a chance to recover and be made whole through a class action suit against the company, CashApp/Block Inc. , that the corporation would seemingly intentionally defraud and deprive the victim of their United States right as a class action member to seek full recompensation for the wrongs done unto them. 

Then finally in the culmination of it all, to be told some fabricated and fragmented lie and thrown a {$100.00} bill as if that makes up for the 2 years of struggle and deprivation suffered. 

You are wrong in your ways Block Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding Improper Collection Reporting Body : I dispute the LVNV Funding collection LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate and unverifiable information on my credit report. Despite my prior disputes, the bureaus and furnishers have failed to properly investigate and correct these entries, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The creditor XXXX is reporting the same account in two conflicting ways, once as closed with a {$0.00} balance while also reflecting derogatory late payment information, and again as a charge-off with a balance of {$19000.00}. This is misleading and inaccurate. Furthermore, because this balance exceeds {$600.00}, IRS regulation 26 U.S. Code 6050P requires issuance of a 1099-C if the debt had been forgiven, which I never received. This account has not been properly verified and should not continue to harm my credit profile. 
Collection accounts with XXXX and XXXX XXXX XXXX remain on file without proper validation. Under FCRA 623 ( b ), furnishers are obligated to fully investigate and verify any disputed debts with documented proof, and under FDCPA 809 ( a ), collectors are required to provide validation notices and cease activity until proper verification is supplied. These obligations have not been met. 
Additionally, an unauthorized hard inquiry from XXXX dated XXXX remains on my report. Und

er FCRA 604 ( a ) ( 3 ), no inquiry may be placed without a permissible purpose such as my written authorization or an initiated credit application. No such proof exists, making this inquiry unlawful and damaging. The law requires reasonable procedures to assure maximum possible accuracy under FCRA 607 ( b ), and a reinvestigation within 30 days under FCRA 611 ( a ). These standards have not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate and unverifiable information on my credit report. Despite my prior disputes, the bureaus and furnishers have failed to properly investigate and correct these entries, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The creditor XXXX is reporting the same account in two conflicting ways, once as closed with a {$0.00} balance while also reflecting derogatory late payment information, and again as a charge-off with a balance of {$19000.00}. This is misleading and inaccurate. Furthermore, because this balance exceeds {$600.00}, IRS regulation 26 U.S. Code 6050P requires issuance of a 1099-C if the debt had been forgiven, which I never received. This account has not been properly verified and should not continue to harm my credit profile. 
Collection accounts with XXXX and XXXX XXXX XXXX remain on file without proper validation. Under FCRA 623 ( b ), furnishers are obligated to fully investigate and verify any disputed debts with documented proof, and under FDCPA 809 ( a ), collectors are required to provide validation notices and cease activity until proper verification is supplied. These obligations have not been met. 
Additionally, an unauthorized hard inquiry from XXXX dated XXXX remains on my report. Und

er FCRA 604 ( a ) ( 3 ), no inquiry may be placed without a permissible purpose such as my written authorization or an initiated credit application. No such proof exists, making this inquiry unlawful and damaging. The law requires reasonable procedures to assure maximum possible accuracy under FCRA 607 ( b ), and a reinvestigation within 30 days under FCRA 611 ( a ). These standards have not been met.

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 2025-09-17 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: WA

Complaint narrative:
Equifax continues to report accounts included in my 2025 bankruptcy after discharge.I filed for XXXX  XXXX bankruptcy in XX/XX/year>, XXXX in XX/XX/year>. 
The following accounts were included in that bankruptcy and are listed in my discharge paperwork : Oregon XXXX XXXX XXXX ( XXXX ) last reported by Equifax on XX/XX/year> XXXX XXXX XXXX XXXX ( XXXX ) account # XXXX last reported XX/XX/year> XXXX  account # XXXX last reported XX/XX/year> XXXX  account # XXXX last reported XX/XX/year> XXXX  and XXXX  have correctly updated these accounts to show included in XXXX  XXXX bankruptcy and have stopped reporting ongoing updates. 

Equifax still shows each account as Closed but continues to report new update dates after the bankruptcy filing and discharge. 
These continued updates lower my on-time payment percentage and damage my credit score. 
I disputed these accounts with Equifax and provided my discharge documentation, but they have not corrected the reporting. 

I am requesting that Equifax : XXXX. Delete these accounts or update them to show Included in XXXX  XXXX bankruptcy, {$0.00} balance, with no reporting dates after XX/XX/year>. 
XXXX. XXXX the reporting treatment already used by XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-09-17 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES 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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has been nothing but problems anytime I deposit a check it gets put on hold. I am trying to run a business and Im tired of it. They claim the check could possibly be returned so they put it on hold today for 7 days.

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 monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Inaccurate Capital One Account Reporting Across All Bureaus I am disputing the Capital One account ending in XXXX, with an outstanding balance of {$170.00}, appearing on my XXXX XXXX XXXX XXXX reports. Capital One is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ).

Under FCRA 611 ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted.

I am requesting that this account be removed immediately from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate and unverifiable information on my credit report. Despite my prior disputes, the bureaus and furnishers have failed to properly investigate and correct these entries, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The creditor XXXX is reporting the same account in two conflicting ways, once as closed with a {$0.00} balance while also reflecting derogatory late payment information, and again as a charge-off with a balance of {$19000.00}. This is misleading and inaccurate. Furthermore, because this balance exceeds {$600.00}, IRS regulation 26 U.S. Code 6050P requires issuance of a 1099-C if the debt had been forgiven, which I never received. This account has not been properly verified and should not continue to harm my credit profile. 
Collection accounts with XXXX and XXXX XXXX XXXX remain on file without proper validation. Under FCRA 623 ( b ), furnishers are obligated to fully investigate and verify any disputed debts with documented proof, and under FDCPA 809 ( a ), collectors are required to provide validation notices and cease activity until proper verification is supplied. These obligations have not been met. 
Additionally, an unauthorized hard inquiry from XXXX dated XXXX remains on my report. Und

er FCRA 604 ( a ) ( 3 ), no inquiry may be placed without a permissible purpose such as my written authorization or an initiated credit application. No such proof exists, making this inquiry unlawful and damaging. The law requires reasonable procedures to assure maximum possible accuracy under FCRA 607 ( b ), and a reinvestigation within 30 days under FCRA 611 ( a ). These standards have not been met.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
am filing this complaint because absolute resolutions filed a lawsuit against me regarding an alleged debt. However, I was never properly served notice of this lawsuit, which violates my right to due process and my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I only learned of this lawsuit through secondary means, not through lawful service.

Despite this, the collection agency is still reporting the account to XXXX. I disputed this entry with XXXX, but XXXX  returned the account as verified without providing the required method of verification. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), XXXX  is obligated to provide me with a detailed description of how the account was verified, including the documentation relied upon, the furnishers contact information, and the procedures used. They failed to do this and continue to report the account as valid. 

Violations : The collection agency violated the FDCPA by filing a lawsuit without proper service and by continuing to pursue collection without providing validation of the debt. 

XXXX  violated the FCRA by reporting inaccurate information and failing to properly investigate or provide the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-17 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: MD

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 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 2025-09-17 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: TX

Complaint narrative:
Ive sent letters Ive asked for Verification of a late payment or its removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Immediate Removal of Negative Items - Section 605 ( b ) Subject : Request for Verification or Removal I formally requested verification of a late payment reported on my credit file or its immediate removal. Below are the relevant details : Upon reviewing my credit report, I noticed that this late payment may not accurately reflect my payment history. I believe it could be an error, and I kindly request that you investigate this matter further.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate or incomplete on my credit report. I asked to Please provide me with documentation verifying the validity of this late payment. If you are unable to provide sufficient proof within 30 days, I request that they remove this entry from my credit report immediately.

According to 15 USC-1681 C-2 an 1681 S-2 they have broken the law I asked them in removing this fraudulent activity immediately 15 USC 1692g Sec. 809 { b } that the claim is disputed and validation is requested. 
They have reported inaccurate multiple accounts witch has damaged my credit Incorrect address an names after me proving proof I would like negative items removed immediately I appreciate your prompt attention to this matter

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