vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
I submitted a formal dispute to Equifax on XX/XX/XXXX, regarding multiple inaccuracies in my credit report. These included erroneous names, outdated addresses, incorrect date of birth, and unverified collection accounts. Despite citing the FCRA and requesting documentation or deletion, Equifax failed to correct or remove the disputed entries within the XXXXday statutory window. This noncompliance has resulted in continued injury to my credit standing and violates my federally protected rights. 

Disputed Personal Information : Type Reported ( Incorrect ) Value Requested Action Name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Remove due to inaccuracy XXXX XXXX Remove not my date of birth Addresses XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Remove never resided at these Employers XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Remove not affiliated Disputed Accounts : Creditor Name Account Number Issue & FCRA Violation XXXX XXXXXXXX Charge-off not certified or validated ( FCRA XXXX ( b ) ) XXXX XXXX XXXX XXXX XXXX Account not verified, reporting inconsistent dates XXXX XXXX XXXX Subject not XXXX, unverifiable debt XXXX XXXX XXXX No documentation or validation provided XXXX XXXX Reporting lacks XXXX XXXX compliance or verification All of these entries remain on my report despite being factually inaccurate, unverifiable, or inconsistent with XXXX XXXX data formatting , which violates 15 U.S.C. XXXX ( a ) ( XXXX ). 

FCRA Violations Identified : 15 U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy of the report. 
15 U.S.C. XXXX ( a ) ( XXXX ) : Failure to reinvestigate disputed information within XXXX days. 
15 U.S.C. XXXX ( a ) ( XXXX ) : Failure to delete unverifiable items. 
15 U.S.C. XXXX ( a ) : Furnishing inaccurate information after being notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Absolute Resolutions Corp.
State: OR

Complaint narrative:
XXXX XXXX - XX/XX/XXXX I sent them meaning each company that was involved in this matter showing original account same amount of XXXX Another says XXXX I sent documents from the original creditor and I asked over the phone once she told me the amount of XXXX but the last XXXX digits were different. 

She simply asked how you would like to pay, I replied Im now confused why has the last XXXX digits changed so since the account was only opened XXXX months prior I know its not mine then reluctantly she said originally it was XXXX Bank account ending XXXX now XXXX I stated this is the first I have heard of this. She began yelling saying you dont know how it work now you going to make a payment today? I hung up. Then a week later it was transferred to another company XXXX same claim I opened it up in XX/XX/XXXX I contacted XXXX Bank they sent all original paperwork proving that last payment was made on XX/XX/XXXX. Sent off again same reply and new letter from a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint so that this agency can not claim ignorance of my dispute.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX / XXXX regarding the inaccurate, outdated, and unverifiable information maintained in my credit file. On XX/XX/XXXX, I submitted a dispute letter requesting the deletion or correction of multiple inaccurate addresses, names, employers, and collection accounts. XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not responding with evidence of verification or completing a proper reinvestigation. 

This failure to act has resulted in the continued presence of damaging data on my profile, impairing my financial opportunities and exposing me to risk of identity confusion or fraud. 

Disputed Items : Collections ( Unverified and Potentially Inaccurate ) : Creditor Name Account Number Issue XXXX XXXXXXXX Inaccurate balance/dates ; unverifiable XXXX XXXX XXXX XXXX XXXX Incomplete and noncompliant reporting XXXX XXXX XXXX Inconsistent status ; unverified ownership XXXX XXXX XXXX No verification of debt or consent XXXX XXXX Unsupported charge-off status Personal Information Errors : Category Incorrect Entry Name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX Date of Birth XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are outdated, factually incorrect, and have no verifiable relationship to me. They were never substantiated by XXXX and remain in violation of XXXX XXXX and CDIA standards.

Violations Identified : FCRA 1681e ( b ) : XXXX has failed to ensure the maximum possible accuracy of the consumer file. 
FCRA 1681i ( a ) : No timely reinvestigation or resolution was conducted within 30 days.

FCRA 1681s-2 ( a ) : Continuing to furnish inaccurate information after notice from the consumer.

FCRA 1681b : Unauthorized or unexplained access to personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be 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 2025-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Charged for a subscription early XXXX that went through for XX/XX/year>. The charge bounced ( return notice ) back XX/XX/year>. The notice shows for the XXXX of XXXXXXXX XXXX Return notice affected credit score and could have been mitigated without the unannounced removal of funds on the XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
XXXX is on my credit report. It says I have not made payments. I do not even know who they are. The said they are a credit building loan. I never opened one. I disputed it twice and they reported they told me " oh well you can not make us do anything ' I told them I had id theft some years back and maybe that is what it's from. They laughed at me and disconnected. I sent the attached letter from the fbi that says I was a victim of a big id theft and fraud crime where some people using others social security number. They still did not respond.

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 2025-05-08 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: OH

Complaint narrative:
XXXX is on my credit report. It says I have not made payments. I do not even know who they are. The said they are a credit building loan. I never opened one. I disputed it twice and they reported they told me " oh well you can not make us do anything ' I told them I had id theft some years back and maybe that is what it's from. They laughed at me and disconnected. I sent the attached letter from the fbi that says I was a victim of a big id theft and fraud crime where some people using others social security number. They still did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of XXXX XXXX XXXX Collection Account ( {$840.00} ) Dear Equifax Dispute Department, I am writing to formally dispute and demand the permanent deletion of a collection account currently appearing on my Equifax credit report under the name XXXX XXXX XXXX in the amount of {$840.00}. I assert that this debt is either fraudulent, unverifiable, or inaccurately reported, and I am invoking my rights under multiple federal consumer protection laws. 

Applicable Consumer Protection Laws : 15 U.S.C. 1692c ( c ) Cease Communication Under the FDCPA Once a consumer disputes a debt and requests no further communication unless the debt is validated, the collector must cease collection efforts until proper validation is provided. No such validation has been received, and the continued reporting violates this section.

31 U.S.C. 5118 Discharge of Debt Obligations This law underscores my right to challenge the validity and enforceability of alleged debts, especially when obligations were not legally created under my name or authority.

Regulation F 12 CFR Part 1006 ( FDCPA Modernization ) Debt collectors must provide a clear, itemized breakdown of the debt, follow strict validation notice rules, and cease reporting if validation is not provided. XXXX XXXX XXXX has not complied with these obligations.

12 CFR 1026.13 ( TILA Dispute Process ) This provision gives consumers the right to dispute billing errors or incorrect credit reporting and requires the furnisher to investigate and respond within a timely manner. I have not been provided with any investigation results or itemization of this debt.

15 U.S.C. 1666b Credit Card Payment Timing Protections This provision prohibits misapplication of payments or wrongful reporting based on alleged missed payments, especially where validation and timing of obligation are in question. 

My Formal Requests : 1. Permanently delete the XXXX XXXX XXXX account ( {$840.00} ) from my Equifax credit report 2. Block this account from future reinsertion, as required under applicable law 3. Provide a written response confirming the deletion and the outcome of your reinvestigation 4. Cease all further reporting of this account without verifiable, itemized proof of the alleged debt This account is in clear violation of my rights under the FCRA, FDCPA, TILA, and other applicable federal statutes. I expect immediate action in compliance with these laws. Failure to respond appropriately may result in further complaints to the Consumer Financial Protection Bureau, the FTC, and legal counsel if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Complaint # XXXX They responded that they were working on it. 
Complaint # XXXX They stated that they were working on it. 
XXXX days after on XXXX XXXX they sent the attached letter again. No solving the issue and leaving the account on my credit report. This bank did not verify my Identity when they open this account. Furthermore, this account if it was paid for a length of time. It was paid with a fraudulent account that was open with XXXX  XXXX XXXX. This bank has no reputation when have not look into this matter. I contact XXXX  XXXX XXXX for the fraudulent account that was open on my name and they provided me this information. So, what investigation they have none. No investigation as far as I am concern. They should be pay for all the suffering the have cause me. 
Now I have a debt collector calling me and leaving message since they put my account in collection. When they stated on the letter dated XXXX XXXX that there was not collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
Equifax is also reporting inaccurate entries, which have created a ripple effect of stress in my life. The XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, listed with a {$0.00} balance from a charge-off on XX/XX/XXXX, is completely erroneous. The XXXX account ( XXXXXXXX XXXX XXXX XXXX from XX/XX/XXXX with a reported balance of {$1300.00} is a charge-off I have no knowledge of. The XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, listed with a charge-off on XX/XX/XXXX and a {$0.00} balance, is another mistake. These discrepancies are not only damaging my credit report but are creating a huge amount of stress and financial hardship, as they continue to hinder my ability to apply for loans or secure housing. I am deeply concerned that these errors stem from a data breach, which should raise serious red flags regarding the safety of my personal information. The burden these errors are imposing on my life is severe, and it is unacceptable that my credit report is being harmed by these potentially harmful inaccuracies. As per 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), these charge-offs must be substantiated by proper documentation, and if not, they must be removed immediately to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I transferred the amount of {$9500.00} from Cash app XXXXXXXX XXXX to my XXXX account that was a Monday the following Wednesday I received an email saying that the external transfer was not accepted that I need to reach out to the financial institution accent to request a return on the amount. Cash app told me that they could not as it shows up as a direct deposit and it shows completed on their end. XXXX XXXX  then told me that the money would be deposited back into my account on XX/XX/XXXX XX/XX/XXXX came and no funds available XX/XX/XXXX. I called XXXX and they told me that they were unable to do the transfer back into the original account due fraud. Meanwhile, I have used both these accounts to transfer money in and out of each other so I then reach out to Cash app and told them they need to file for a credit for a return for the amount that was transferred originally they do not have such a good support network, but say they are working on it. This has been going on for over a week and a half and needs to be resolved so Im reaching out for you in hopes that you can speed up the process and dont allow this to happen to other customers because this is money that I need. Its not a small amount of change. Some people dont even make that in a month and I work very hard for my money so for me not to have that for that long isnt an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EXPERIAN ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with explanation