vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NH

Complaint narrative:
I found several negative items on my credit report that are being reported inaccurately and without proper validation. These include multiple collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as a charge-off from XXXX XXXX XXXX and an unverified late payment from XXXX XXXX XXXX . I also have several hard inquiries that I did not authorize from XXXX XXXX, XXXX, and XXXX XXXX . I disputed these items with the credit bureaus and with the furnishers, but none of the companies provided the necessary documentation required under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. No signed agreements, billing statements, itemized medical bills, payment histories, proof of delinquency, chain-of-title documents, or authorization for the inquiries were provided. Some collections also lacked proof of ownership or assignment from the original creditors. The credit bureaus continued to list these items as verified even though no evidence was produced. These inaccuracies have negatively impacted my credit score and my ability to obtain fair financial opportunities.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit report again and I was devastated to see that the inaccurate accounts are still there. They were not taken off at all. I am pleading for the documents I submitted to be examined completely so I can have some peace and stop living with this constant fear.

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 2025-12-03 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: CBC Companies, Inc.
State: IL

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 word 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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am disputing inaccurate reporting of an XXXX XXXX collection account on my TransUnion credit report. I have not had any utility service with XXXX XXXX XXXX since XXXX, so any delinquency could only have occurred in XXXX. TransUnion lists an Estimated Date of Removal of XX/XX/XXXX, which corresponds to a XXXX Date of First Delinquency ( DOFD ). 

However, the furnisher is reporting the account age as only 1 year, 2 months, which implies a XXXX open date. It is not possible for a debt to have both a XXXX DOFD and a XXXX account age. These dates contradict each other and can not both be accurate. This violates FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy requirement ) and 623 ( a ) ( 5 ) ( Duty to Report Date of First Delinquency ).

I disputed this with TransUnion, but they marked the account as updated without correcting the conflicting dates. Please require the furnisher to provide documentation proving the actual DOFD or delete the tradeline.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've tried numerous times to remove false accounts and inaccurate accounts, when the investigation was not done properly. I told them I was a victim of XXXX  breach, XXXX breach, Transunion breach and other breaches. Please remove these accounts. 1. XXXX XXXX XXXX XXXX # XXXX 2 ) XXXX XXXX  # XXXX 3 ) XXXX XXXX  XXXX  # XXXX 4 ) XXXX XXXX  XXXX. 5 ) XXXX # XXXX 6 ) XXXX XXXX XXXX # XXXX 7 ) XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681i, 1681s-2 ( a ), 1681s-2 ( b ), 1681c-2, and 1681e ( b ), you are required to : - Conduct a timely reinvestigation of disputed information ; - Delete or block any information that is inaccurate, incomplete, can not be verified, or results fromidentity theft or unauthorized use ; - Notify all applicable credit reporting agencies of any corrections or deletions.

Because I did not authorize these accounts and they can not be properly verified as mine, they must be removed from my credit file.

I am formally requesting : 1. A complete reinvestigation of each account listed above.

2. Deletion and/or blocking of any item that is unverified, inaccurate, fraudulent, or unauthorized.

3. Written confirmation of the results of your investigation, including an updated copy of my credit reportshowing the deletions.

I, XXXX XXXX XXXX, am formally disputing the following accounts that appear on my credit report. These accounts are not mine, were not authorized, and/or contain fraudulent or inaccurate information. I am requesting their immediate removal. 
Accounts in Dispute ( Requesting Deletion ) : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have months with my account closed without any explanation or prior notice from this bank, I have my money deposited before of closure and is fully cleared long time ago and inclusive use part of this, after closue without any reason, explanation or something I have read terms and rights and appears according law banks they will close accounts without any explanation but they not can held funds without valid reasons or almost not with cleared funds and valid funds, and at this time is waiting for my refund check to be received as per according terms, rules and rights on our contract of bank and consumer, they have many time with my money held without any explanation, already contacted many times and inclusive go to a branch on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both close to me on XXXX, Florida, this for able to fix this situation but no solution are obtained because bankers just said need to call, need simply wait for the check but nothing are real, this bank just refuse to release my money and NEVER send any check and they cant prove any shipment of any check because never cashed anything and this is an situation that appears a fraud from this bank so kindly request attention on this unfair situation and just need cooperation from this bank to fix this and finally obtain my refund check on my address on file, I need escalation for this arbitrary treatment from this bank, they askin for information that already provided and confirmed so I dont know why they no verified at all, this is arbitrary and unfair procedure from this bank, so I kindly request again a solution and a valid explanation of this arbitrary actions, if need to involve a lawyer please let me know, I hope for real solution and cooperation please...

there is attached a letter from this bank as many others with same responses negatives and refusing and denying to release my money, so is a shame!

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the following accounts and inquiries on my credit reports. I believe the information provided may be inaccurate or incomplete. I respectfully request that you investigate and resolve these matters according to the Fair Credit Reporting Act ( FCRA ). Please find the details separated by each bureau for your reference. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The listed items on my credit report are not MINES and resulted from a data breach ( XXXX XXXX EQUIFAX DATA BREACH. ). Request that the information be blocked from your credit report according to section 605B of the Fair Credit Reporting Act ( FCRA ).

Experian failed to properly investigate consumer disputes about credit report errors, violating the Fair Credit Reporting Act ( FCRA ). This includes not thoroughly investigating, ignoring key details, accepting creditor responses without verification, and improperly reinserting deleted inaccurate information. Experian illegally sells consumer phone numbers to third-party lenders via services like XXXX XXXX , violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following account listed on my credit report. I believe the information is inaccurate and request a thorough investigation. 

Charge Off Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
so on the XXXX my boss transferred my moms pay to my old account by accident which our boss name is XXXX XXXX, she requested cancel payment but it already went through. So I called cash app many times requesting my money be sent to my new account. however, they are saying since I don't have access to the old account I cant get my money, all I wanted was it to be sent to my new account. {$390.00} XXXX XXXX XXXXXXXX XXXX this is all the information to the old account. 

XXXX XXXX XXXXXXXX XXXX this is the information to the new account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is extremely upsetting that these inaccurate late payments are still showing on my credit report today. I refreshed everything hoping for progress, but absolutely nothing moved. I need the documents I submitted to be reviewed carefully right now so I can stop dealing with this nonstop frustration.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing the following items on my credit report. These accounts have been incorrectly reported, and I am requesting they be thoroughly investigated and corrected. 

CHARGED OFF ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: MS

Complaint narrative:
OXX/XX/XXXX BSI financial paid a tax bill that was not in my name. It was in the previous owners name. BSI had sent me a letter on this before they paid it. I contacted the tax assessor in XXXX XXXX XXXX XXXX was told i did not owe it because i was tax exempt. So i contacted BSI and informed them of this. They paid it anyway out of escrow. {$180.00}. I did not know they had paid this till XXXX of XXXX when i got a notice from them saying my escrow was going to be short. I contacted them to discuss this and first they couldnt even tell me why then they found this tax bill they had paid. I contacted the tax office they once again said they should have not paid this bill because it was in someone elsrs name. I also contacted the XXXX attorney to ask if they knew anything about this tax because all taxes were supposed to be paid at closing. They informed me that they had paid all taxes and they contacted the tax assessor and they also found out that it was in the previous owners name. It was from him lying on his homestead form so the state charged him for these taxes. I then contacted BSI again and requested them to produce the tax bill and they said they didnt have it that it was electronically done. I asked how they could pay a tax bill in someone else 's name out of my escrow account. They said they would investigate it and get back with me. They never called me back so i called them again. The supervisor said that they investigated it and that the tax bill was in my name. I once again asked for this tax bill but she said they do not have it anymore because it was paid already. I told her i contacted the tax office and the attorney and both could prove the tax bill was not in my name. She said it was. I gave her the ladies name i talked to in the tax office and the attorneys name and phone number and told her to contact them. I called again yesterday XX/XX/year> and spoke to a guy that said once again that they do not have the tax bill anymore but that it was in my name. After telling XXXX that either they produce the tax bill with my name on it or they refund my money he informed me that he found the tax bill but IT DID NOT HAVE MY NAME ON IT but i was telling the truth that it was in someone else 's name. So i asked him his id number and then said since he found that then i would be getting a refund then. He said no because i needed to do alot more things in order for him to even put in a request for it. I said i had done enough that i was requesting a supervisor and that i had recorded the phone call. He then said he would get them to call me back and hung up on me. So now i have proof that they paid a tax bill that was in someone else 's name out of my escrow account but they still wont give my money back. I will produce all the recordings if needed.

Company response to consumer: Closed with explanation