vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
XXXX placed a late payment on my credit report. This was later rectified once I was notified due to a clerical error. Transunion removed the late payment however it remains on my experian and equifax reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
XXXX placed a late payment on my credit report. This was later rectified once I was notified due to a clerical error. Transunion removed the late payment however it remains on my experian and equifax reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Despite numerous attempts to resolve the fraudulent inquiries on my consumer report, these unauthorized entries remain, despite having absolutely no connection to me. As a victim of identity theft, the presence of these false inquiries has caused significant XXXX  anguish and financial hardship, preventing me from purchasing my dream home and properly providing for my family 's needs. The substantial impact on my financial wellbeing is documented in my previous correspondence with the Federal Trade Commission, which demonstrates the seriousness of this matter and my diligent efforts toward resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
My recent credit record review revealed late payment entries that I believe are incorrect, yet despite sending formal validation request letters over 30 days ago, I've received no response whatsoever. This prolonged silence and failure to provide satisfactory validation of these alleged late payments is particularly troubling as these negative entries continue to damage my credit score and limit my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account # XXXX was opened fraudulently from an address I have never lived at. The only address any accounts should be tied to is XXXX XXXX XXXX XXXX XXXX ca XXXX, which has been my sole address for XXXX years. I have an open report with the FTC ( FTC report # XXXX ). And am in contact with the credit bureaus. Please investigate and provide proper information or delete this account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I would like to formally request the removal of the security freeze currently placed on my credit report. At this time, I need my credit report to be accessible to authorized lenders or institutions for upcoming financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
My name is XXXX 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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRSTBANK PUERTO RICO
State: VI

Complaint narrative:
The week of XX/XX/XXXX First bank notified me that they thought my card was compromised. After speaking with them I told them that is was because I did not use my card in a XXXX department store. At that time my card was frozen and they issued me a new card which I received about two weeks later. In XX/XX/XXXX I reviewed my statement online and noticed the charges were still on my statement, since that time till present I have been going back and forth with them over this issue. Long story short. They denied my claim of removing these charges because they say my card was physically used at the location which was a XXXX store in XXXX PA. The week of the ninth XXXX in was in XXXX XXXX VA XXXX my mother for her XXXXXXXX XXXX birthday. I was never in PA. 
The amount changed to my account is over XXXX XXXX XXXXXXXX XXXX with multiple XXXX XXXXXXXX XXXX charges at the same time. Clearly they could see something was wrong. I have decided to close that out with them do to their gross incompetence. Luckily for me this isnt far worse than it is but its still not acceptable. These are not my charges! I have spoken with a handful of representatives from First Bank they keep sending me to the fraud department and as of today no one from that department has ever contacted me. The only way I know about my status is finally someone took the time to look into this matter and told me why my claim was denied. This is why I closed my account with them, if they cant figure out this problem which is so obvious they have me concerned about any major problem in the future. 
I contacted Transunion and spoke with are representatives and they gave me your contact information. 
Thank you for your time. 
BM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Ive been making student loan payments for over 20 years under an Income-Driven Repayment ( IDR ) plan. I am eligible for forgiveness through the U.S. Department of Educations IDR Account Adjustment. My loans were previously serviced by Great Lakes and are now with Nelnet.

Despite meeting the requirements for loan forgiveness ( 240 or more months of qualifying payments ), my loan servicer, Nelnet, has informed me they can not verify my IDR payment count or provide a status update due to a federal court injunction. This leaves me without a way to confirm if I qualify or when forgiveness may be granted.

I have maintained repayment, complied with all IDR requirements, and trusted that my forgiveness would be processed per the Departments guidance. This lack of transparency and the ongoing delay are causing financial hardship and mental stress.

I am requesting assistance confirming whether I qualify for IDR forgiveness and ensuring that Nelnet and the Department of Education process my relief once the injunction is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I transferred XXXX from my savings account at XXXX XXXX ( in which I have also had problems with ) to my Cash App on XXXX. It was a bank to bank transfer that was not immediate. The customer service representatives at my bank gave me the run around about that detail as well. One said that the money would be transferred the next day, another said that it would take two business days, and then another told me that it would be deposited by XXXX XXXX today ( XXXX ) in which is the two day limit. 

My experience with not only Cash App but with XXXX XXXX has been absolutely terrible. 

Why are two banking institutions trying so hard for me not to personally enjoy my hard earned money? They act as if it is theirs to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX [ XXXX Texas XXXX ] XXXX XXXX XX/XX/XXXX To : XXXX. Experian Experian XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX XXXX. TransUnion TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX. Equifax Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Notice of Intent to Sue for FCRA Violations Dear [ Experian/TransUnion/Equifax ], I am writing to formally dispute inaccurate and unverified information being reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681i, 1681g, and 1681s-2. 

The Accounts in Question : 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 XXXXXXXX I previously disputed this account and was informed that it was verified. However, under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to request the method of verification, including : The name and contact of the party who verified the account A detailed description of your investigation process Copies of any documentation used to verify the account You have failed to provide this information, nor have you supplied any legally admissible documents proving the validity or accuracy of the reported debt. Reporting unverifiable or inaccurate information is a direct violation of the FCRA.

Legal Notice Intent to Sue If this inaccurate, incomplete, or unverifiable account is not removed or corrected within 15 calendar days, I will pursue the following actions without further notice : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

2. Initiate legal action against your agency for : Failing to conduct a reasonable investigation ( 1681i ) Failing to provide requested disclosures ( 1681g ) Continuing to report inaccurate/unverifiable information ( 1681s-2 ) Per 15 U.S.C. 1681n and 1681o, I will seek statutory damages, actual damages, and punitive damages, along with attorney fees for knowingly violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-06-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
I do not know but accounts was closed for suspicious activity I never used this account! I was saving it for when I get job for direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing inaccurate reporting of a Capital One credit card account that was charged off and sold to XXXX XXXX XXXX. The account appears under all three bureaus, but the reporting is inconsistent and misleading : The balance is {$0.00}, but its still listed as " Collection/Chargeoff '' across bureaus. 

XXXX  reports the last activity as XX/XX/XXXX, while XXXX XXXX XXXX show XX/XX/XXXX, which is inaccurate as the account was sold. 

This account is being double-reported : Capital One shows it as a charge-off, while the same debt is also showing under the debt collector XXXX XXXX. 

The account was marked as disputed, but XXXXXXXX XXXX XXXX still show it derogatory even though the dispute is resolved. 

This is in violation of the Fair Credit Reporting Act ( FCRA ) which requires accurate and complete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This account was placed on my credit report as being opened this year. The last time I had an account with the company claiming I owe the debt or that the debt was bought from was from over 10 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT, AND IT'S PREVENTING ME FROM RECEIVING CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
My repeated attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been met with inaction, leaving these unauthorized entries intact and continuing to damage my financial standing. These false records have profoundly impacted my life, generating significant stress and XXXX  that affects my daily functioning and peace of mind. As an identity theft victim, I never authorized or consented to having this harmful information associated with my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
My credit report includes accounts that I neither authorized nor opened. I consider these fraudulent and demand their deletion within 15 days, per 15 U.S. Code 1681g. Please find enclosed the documentation that supports my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: LA

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 explanation
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief