vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
I am disputing the way a collection account from XXXX XXXX XXXX is being reported on my Equifax credit report. The account ( ending in XXXX ) is labeled as a Debt Buyer Account and listed as an open account with a scheduled monthly payment of {$1500.00}. This is misleading and inaccurate.
Collection accounts should be reported as closed, not open accounts with monthly payment obligations.

Reporting a collection this way misrepresents the nature of the debt, negatively impacts my credit utilization, and violates the Fair Credit Reporting Act ( FCRA ), which requires information to be complete and not misleading.

I disputed this with Equifax, but they verified it as accurate without correcting the open account status or the false payment schedule. 

I am requesting that the CFPB investigate and require Equifax and XXXX XXXX XXXX to correct this reporting and ensure the account is reflected as a closed collection, not an open loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The account from Capital One, is being reported by XXXX with the following issues : 1. The status date is listed as XX/XX/year>, a future date, which is false and misleading. 

2. The balance section is left blank, despite the status showing Paid, Closed. {$490.00} Written Off. This violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for failure to report accurate and complete information. 

3. The account is listed as potentially negative even though the account is closed and paid, and no outstanding balance is due. 

4. XXXX claims the data furnisher ( XXXX XXXX ) verified the account, but no documentation was ever provided to validate the debt, such as an original contract or itemized accounting of the alleged {$490.00} charge-off. 

5. This account was previously disputed and still shows unresolved reporting errors, in violation of 15 U.S.C. 1681i ( a ), which requires reinvestigation and correction or deletion of inaccurate, incomplete, or unverifiable data. 

Also XXXX is retaliating against me by not allowing me the rights to dispute one line any more which hinders my rights and is damaging not only to me physically and mentally, but also my character and the right to trade and commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question includes XXXX - XXXXXXXX XXXX XXXX, which XXXXXXXX XXXX XXXX XXXX confirmed would be removed but remains on my reportit is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-07 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: AR

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-08-07 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: AR

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 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 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within four business days, as required by law. Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-07 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: MA

Complaint narrative:
This is a follow-up complaint regarding inaccurate information that continues to appear on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I previously submitted a dispute concerning several accounts that are either incorrectly reported or reflect inaccurate data. As the issues remain unresolved, I am requesting a reinvestigation and correction or removal 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
My Cashapp account- XXXX XXXXXXXX, was closed for no reason. I use my Cashapp to receive and send payments very often. I tend to borrow money occasionally but i pay back my owed money. Cashapp does not give any valid reasoning for closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
Subject : Illegal Reinsertion of Deleted Collection Account Experian Violation of FCRA 611 ( a ) ( 5 ) ( B ) Summary : I am filing this complaint because Experian has allowed a previously deleted collection account to be reinserted onto my credit file by a different debt collector ( XXXX XXXX XXXX ), without providing the legally required notice within XXXX business days, as outlined in the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). 

Details : - The original collection was reported by XXXX XXXX XXXX and was deleted from my report. 
- The same account was later re-reported by XXXX XXXX XXXX for the same XXXX balance of {$480.00}. 
- I was never notified by Experian within the required 5 business days that the account had been reinserted. 
- I formally disputed the account, and Experian merely marked the account as updated without removing it or providing documentation of proper reinsertion. 

Requested Resolution : I request the CFPB to investigate Experians noncompliance with FCRA procedures and require that they : XXXX. Delete the XXXX XXXX XXXX XXXX from my credit file. 
2. Provide proof of proper reinsertion notice, or acknowledge the FCRA violation and remove the account. 

Supporting Evidence : - Dispute result from Experian shows the account was updated, not deleted - No reinsertion notice was provided - The reinsertion is of a previously deleted account from a different collector

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 2025-08-07 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: CT

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding the continued reporting of inaccurate and unauthorized information on my credit file that appears to be the result of identity theft. I am formally disputing specific items that are not associated with any transactions I have initiated or authorized. These accounts are unfamiliar to me, and I have received no goods, services, or funds from these transactions. 
Additionally, I have reason to believe the validity of these entries is questionable, as some of these same accounts have already been removed by other credit bureausfurther highlighting the inconsistency and inaccuracy of the data being reported. The reported payment histories are also unclear and do not reflect any financial activity I recognize. 
In accordance with FCRA 605B ( c ) ( 1 ) ( C ), I understand that a consumer reporting agency may only refuse to block or may reinstate information if it can be shown that the consumer obtained goods, services, or money from the disputed account. However, I affirm that I did not receive any such benefit, and therefore, this exception does not apply in my case. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$4100.00} XXXX Reported Late : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
This is a follow-up complaint regarding the continued reporting of inaccurate and unauthorized information on my credit file that appears to be the result of identity theft. I am formally disputing specific items that are not associated with any transactions I have initiated or authorized. These accounts are unfamiliar to me, and I have received no goods, services, or funds from these transactions. 
Additionally, I have reason to believe the validity of these entries is questionable, as some of these same accounts have already been removed by other credit bureausfurther highlighting the inconsistency and inaccuracy of the data being reported. The reported payment histories are also unclear and do not reflect any financial activity I recognize. 
In accordance with FCRA 605B ( c ) ( 1 ) ( C ), I understand that a consumer reporting agency may only refuse to block or may reinstate information if it can be shown that the consumer obtained goods, services, or money from the disputed account. However, I affirm that I did not receive any such benefit, and therefore, this exception does not apply in my case. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$4100.00} XXXX Reported Late : XX/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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear Compliance Department, I am writing to formally request the specific reasons why my application for a business bank account with XXXX XXXX, XXXX, submitted in or around XX/XX/year>, was denied. 
Despite my efforts to obtain clarification, I have not received a detailed explanation regarding the basis for this denial. As a consumer and business owner, I am entitled under both federal and New York State law to a full accounting of the reasons for adverse actions taken by a financial institution.

Legal Basis for This Request Pursuant to the following statutes, I respectfully demand a written explanation : 1. 15 U.S.C. 1691 ( d ) Equal Credit Opportunity Act ( ECOA ) Under the ECOA and Regulation B ( 12 CFR 1002.9 ), a creditor is required to provide a statement of specific reasons for adverse action within 30 days of a completed application. A vague or general reason ( e.g., credit score insufficient or business profile not aligned ) does
not meet the standard for specificity.

2. 12 U.S.C. 1818 ( b ) and related regulations As a national bank regulated under the OCC, XXXX XXXX XXXX XXXXs required to maintain fair, nondiscriminatory practices and transparency in its dealings with the public, especially in matters relating to access to financial services. 
3. New York General Business Law 349 Under New York State law, deceptive or unfair business practices including failure to provide adequate reasoning for denial of services are unlawful and subject to civil remedy.

4. Fair Credit Reporting Act ( 15 U.S.C. 1681m ) If any consumer reporting agency ( eXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) contributed to the denial, I am entitled to receive the name and contact details of that agency, along with a notice of my rights to dispute the information.

Requested Action Please provide the following in writing within 15 calendar days of this letter : The specific reason ( s ) for the denial of my business account application ; Whether a consumer reporting agency ( including but not limited to XXXX XXXX  XXXX XXXX, or others ) was used in your decision ; If applicable, the name, address, and telephone number of the consumer reporting agency relied upon ; Any internal policy that may have informed your decision.

Failure to respond to this request in a timely and substantive manner may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the New York State Department of Financial Services ( NYSDFS ).

I look forward to your full and prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I am submitting this complaint because Transunion continues to report XXXX late payment on XX/XX/2023 for the account below, despite my request for verification. 

I formally disputed this entries and requested proof per the FCRA, but no supporting documentation was provided. Transunion failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 

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