vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am submitting this formal complaint regarding inaccuracies and conflicting information being reported by all three major credit reporting agencies TransUnion, Experian, and Equifax regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Summary of Dispute : The XXXX XXXX account is being reported with multiple inconsistencies across all three credit bureaus, including but not limited to : Different High Credit amounts reported ( Experian lists {$0.00}, while TransUnion and Equifax show {$1100.00} ). 
Missing or inaccurate credit limit ( Equifax shows {$0.00} while TransUnion and Experian report {$700.00} ).

Conflicting comments about account status and disputes.

Inconsistent last active and payment dates across bureaus.

All three bureaus report the account as derogatory and charged-off, yet I have disputed the accuracy, and the information remains unresolved.

This violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after a dispute.

15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy in reporting.

15 U.S.C. 1681s-2 ( b ) Duty of furnishers to correct and update information.

Additionally, I have already submitted disputes and provided documentation showing the inaccuracies. The consumer reporting agencies have failed to correct the information or provide consistent and verifiable data.

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 2025-06-19 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: CA

Complaint narrative:
I am submitting this formal complaint regarding inaccuracies and conflicting information being reported by all three major credit reporting agencies TransUnion, Experian, and Equifax regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Summary of Dispute : The XXXX XXXX account is being reported with multiple inconsistencies across all three credit bureaus, including but not limited to : Different High Credit amounts reported ( Experian lists {$0.00}, while TransUnion and Equifax show {$1100.00} ). 
Missing or inaccurate credit limit ( Equifax shows {$0.00} while TransUnion and Experian report {$700.00} ).

Conflicting comments about account status and disputes.

Inconsistent last active and payment dates across bureaus.

All three bureaus report the account as derogatory and charged-off, yet I have disputed the accuracy, and the information remains unresolved.

This violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after a dispute.

15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy in reporting.

15 U.S.C. 1681s-2 ( b ) Duty of furnishers to correct and update information.

Additionally, I have already submitted disputes and provided documentation showing the inaccuracies. The consumer reporting agencies have failed to correct the information or provide consistent and verifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-19 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: 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 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 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 2025-06-19 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX Federal - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, through XXXXXXXX XXXX XXXX. The full rental cost of {$130.00} was paid in advance. Despite this, XXXX XXXX XXXX charged an additional {$250.00} deposit at pickup. I was told this deposit would be refunded upon return of the vehicle. 

I returned the car on XX/XX/year>, in good condition and on time. However, the {$250.00} deposit was never returned. I contacted the rental company multiple times but received no response. 

I filed a dispute with Capital One. Initially, they credited the {$250.00} temporarily but then reversed it, citing lack of sufficient evidence, even though I provided all receipts and correspondence. Capital One closed the case and reapplied the charge to my account without any proof from the merchant justifying keeping the deposit. 

I am seeking the return of the {$250.00} as the deposit was taken unfairly, the service was fulfilled properly, and the company failed to uphold its stated return policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-19 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-06-19 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: VA

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of postal identity theft. As a result, Experian is reporting XXXX fraudulent addresses on my credit file that have never been associated with me. I have submitted a postal fraud complaint, and I am providing my government-issued ID, Social Security number, and a utility bill that confirms my correct address. 

The only valid address that should appear on my Experian credit file is : XXXX XXXX XXXX XXXX, XXXX, SC XXXX The following addresses must be permanently deleted from my file : XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX These addresses are false and were used in connection with fraudulent activity. I have never lived at either location and have no legitimate ties to them. 

This violates my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires Experian to block identity theft-related information within 4 business days of receiving proper documentation.

I am requesting a full deletion of these addresses, written confirmation, and assurance that they will not be reinserted unless verified according to 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-06-19 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: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX 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 has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-19 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: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX 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 has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX of XXXX The VA did a Direct deposit. 
On XXXX of XXXX the VA did a second deposit. 
On XXXX XXXX I called about XXXX of XXXX. It was escalated and given case number XXXX. It has not been resolved as yet. 
On XXXX XXXX I called again and was told XXXX to XXXX business days to post a deposit. 
On XXXX XXXX I called and got the same answer. I was sent an email and responded to the email. 
On XXXX XXXX I got an email that didn't address the XXXX of XXXX deposit. 
On XX/XX/XXXX I called XXXX XXXX to find out the issue and fixed it. He said that the deposit would be posted in XXXX hours. It has not been posted yet. 
On XXXX XXXX I called him back and reported the fact of no deposit. 
On XXXX XXXX I got another email talking about the XXXX of XXXX deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request a copy of IRS Form 1099-C related to this account, which appears to have been either settled or forgiven. I need this form for my tax records and to verify how the debt was handled from your side. Please confirm in writing whether a 1099-C was issued and send a copy via mail or email.

If a 1099-C was issued, it is a clear indication that the debt was canceled and is therefore no longer collectible. If no such form was issued or no longer exists, it raises questions about the legal basis for continuing to report this item as a charge-off on my credit report.

According to the Fair Credit Reporting Act ( FCRA ) 623, data furnishers are required to report only accurate and verifiable information. Failure to provide documentation supporting the continued reporting of this charge-off constitutes grounds for its immediate deletion. Additionally, any unverifiable or outdated debt violates my rights under 15 U.S. Code 1681s-2 and may result in further action. 

This derogatory item is not only inaccurate or potentially unsubstantiated but is also materially harming my credit and financial well-being. I am demanding that this matter be resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request a copy of IRS Form 1099-C related to this account, which appears to have been either settled or forgiven. I need this form for my tax records and to verify how the debt was handled from your side. Please confirm in writing whether a 1099-C was issued and send a copy via mail or email.

If a 1099-C was issued, it is a clear indication that the debt was canceled and is therefore no longer collectible. If no such form was issued or no longer exists, it raises questions about the legal basis for continuing to report this item as a charge-off on my credit report.

According to the Fair Credit Reporting Act ( FCRA ) 623, data furnishers are required to report only accurate and verifiable information. Failure to provide documentation supporting the continued reporting of this charge-off constitutes grounds for its immediate deletion. Additionally, any unverifiable or outdated debt violates my rights under 15 U.S. Code 1681s-2 and may result in further action.

This derogatory item is not only inaccurate or potentially unsubstantiated but is also materially harming my credit and financial well-being. I am demanding that this matter be resolved promptly.

Company response to consumer: Closed with explanation