vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccurate and unauthorized entries on my credit report. Despite prior disputes, several accounts, charge-offs, collections, and inquiries remain inaccurately reported, misrepresenting my financial history and causing harm to my creditworthiness. 
Accounts Reported with {$0.00} Balance but Inaccurate Reporting : XXXX  XXXX XXXX ( {$0.00} ) XXXX XXXX  XXXX ( {$0.00} ) XXXX  XXXX  XXXX ( {$0.00} ) These accounts are being reported inaccurately, despite having XXXX balances, creating an unfair negative impact on my credit profile. 
XXXX XXXX XXXX ( {$0.00} ) This charge-off may be inaccurately reported and has not been properly verified, violating FCRA requirements. 
XXXX. XXXX, XXXX XXXX ( {$310.00} ) This collection may be misleading or inaccurate, potentially violating FDCPA 807 15 U.S.C. 1692e if it is falsely represented. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XXXX inquiries were made without my consent and violate FCRA 604 ( a ) ( 3 ) 15 U.S.C . 1681b ( a ) ( 3 ). They should be investigated and removed immediately.Applicable FCRA and FDCPA Protections : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy in reporting.FCRA 611, 15 U.S.C. 1681i : Grants consumers the right to dispute inaccurate or incomplete information, requiring reinvestigation within 30 days. 
FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate. 
FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ) : Protects consumers from unauthorized credit inquiries.FDCPA 807, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccurate and unauthorized entries on my credit report. Despite prior disputes, several accounts, charge-offs, collections, and inquiries remain inaccurately reported, misrepresenting my financial history and causing harm to my creditworthiness. 
Accounts Reported with {$0.00} Balance but Inaccurate Reporting : XXXX  XXXX XXXX ( {$0.00} ) XXXX XXXX  XXXX ( {$0.00} ) XXXX  XXXX  XXXX ( {$0.00} ) These accounts are being reported inaccurately, despite having XXXX balances, creating an unfair negative impact on my credit profile. 
XXXX XXXX XXXX ( {$0.00} ) This charge-off may be inaccurately reported and has not been properly verified, violating FCRA requirements. 
XXXX. XXXX, XXXX XXXX ( {$310.00} ) This collection may be misleading or inaccurate, potentially violating FDCPA 807 15 U.S.C. 1692e if it is falsely represented. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XXXX inquiries were made without my consent and violate FCRA 604 ( a ) ( 3 ) 15 U.S.C . 1681b ( a ) ( 3 ). They should be investigated and removed immediately.Applicable FCRA and FDCPA Protections : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy in reporting.FCRA 611, 15 U.S.C. 1681i : Grants consumers the right to dispute inaccurate or incomplete information, requiring reinvestigation within 30 days. 
FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate. 
FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ) : Protects consumers from unauthorized credit inquiries.FDCPA 807, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations by debt collectors.

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 2025-09-19 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

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 2025-09-19 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

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 2025-09-19 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: AR

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection 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 2025-09-19 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-19 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: CT

Complaint narrative:
On XX/XX/year>, I was charged {$1100.00} by XXXX XXXX for airline tickets for the day XX/XX/XXXX. I did not receive the service as agreed because my wifes U.S. visa was delayed : the consulate requested additional documents, and her visa was not issued until the day of the flight, making it impossible for us to travel. 

I contacted XXXX XXXX by phone several times before the flight date to explain the situation and request a refund. They did not clearly disclose at the time of purchase that the ticket was non-refundable and only offered to change the travel date, which was not possible because we did not know when we would be able to travel. 

I then disputed the charge with Capital One ( XXXX XXXX XXXX ) and provided documentation from the consulate and phone logs as evidence. Despite this, Capital One closed my dispute and rebilled the charge to my account. 

I am filing this complaint because I believe I provided sufficient proof that I did not receive the service and that important information about the tickets refundability was not disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MD

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 non-monetary relief
Consumer complaint received 2025-09-19 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: TN

Complaint narrative:
THIS BANKRUPTCY RECORD DOES NOT BELONG TO ME AND HAS BEEN FALSELY REPORTED ON MY CREDIT FILE. ITS PRESENCE IS COMPLETELY INACCURATE, MISLEADING, AND HAS CAUSED ME SEVERE EMOTIONAL DISTRESS. I HAVE NEVER FILED FOR BANKRUPTCY, YET THIS FALSE ENTRY IS DAMAGING MY CREDIT AND REPUTATION. THIS IS AN OUTRAGEOUS ERROR. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), YOU ARE LEGALLY REQUIRED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY IN THE INFORMATION YOU REPORT. THIS IS A CLEAR VIOLATION. I DEMAND THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. THIS IS NOT JUST A MISTAKEIT IS NEGLIGENCE, AND I WILL NOT TOLERATE IT ANY LONGER. RECTIFY THIS ISSUE IMMEDIATELY. SUPPORTING DOCUMENTATION IS ATTACHED, AND I EXPECT PROMPT ACTION WITHOUT DELAY.

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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They have been calling my phone repeatedly and have reported my account severally without a room for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-09-19 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-19 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % 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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It XXXX Concern, I am submitting this formal escalation in response to Experians inadequate handling of my original complaint filed on XX/XX/year>, regarding the unlawful and inaccurate reporting of medical debt by XXXX Collection XXXX XXXX 

Despite providing Experian with detailed documentationincluding billing records, XXXX violations, and evidence of manipulated delinquency datesExperian has failed to take corrective action. Their response merely states that the data furnisher verified the information, without addressing the core legal violations or providing any transparency regarding the verification process. Violations Ignored by Experian : XXXX Violation : XXXX accessed and reported protected health information without authorization. Experian continues to publish this data, despite clear federal restrictions. 

FCRA 611 Violation : Experian failed to conduct a meaningful reinvestigation. No documentation was provided to support the alleged verification, and the disputed tradeline remains unchanged. 

FDCPA Violation : XXXX submitted inflated and inconsistent billing amounts that contradict the original providers records, constituting deceptive collection practices. Supporting Documentation : I previously submitted the following : XXXX Sa-Vit-.pdf XXXX These documents clearly demonstrate that the reported debt is : Inaccurate Unverifiable Illegally sourced

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 2025-09-19 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: KS

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the reporting of the charged-off account ( s ) listed on my credit report. The information being reported is inaccurate, unverifiable, and misleading. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to request full validation and verification of any account being reported against me. Unless the reporting furnisher can provide legally admissible documentationsuch as a signed contract, complete payment history, and proof of ownership of this alleged debtthe account must be deleted immediately from my credit file.

Continuing to report this charged-off account without proper validation is a direct violation of the FCRA and my consumer rights. I am demanding prompt investigation, removal of this inaccurate information, and written confirmation once the correction has been made.

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 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been using Cash App for over XXXX  years and have never had an issue with any fraudulent activity! In XXXX of XXXX I went to XXXX for a girls trip and my male friend ( who has sent me over XXXX since XXXX ) sent me spending money. In the note ( that now has to be filled out ) he put for XXXX, which is what it was for. Cash app has held up his money since XXXX and have not returned it which is theft. They have closed both of our accounts due to violating their terms and conditions which no one, not a customer service representative or supervisor, has explained what terms have been violated by me going on vacation and receiving money for it!!! I use cash app to pay my rent and send my daughter allowance ( who now, at XXXX XXXX XXXX has fraudulent information attached to her name for no reason ) and that option has now been taken away from me for no reason. At this point, my rights are being violated!!! Since when is me going on vacation and receiving money from someone who they can clearly see has been sending me money for YEARS a violation? Its disgusting.

Company response to consumer: Closed with explanation