vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-20 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: CA

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report, as the information provided is inaccurate or incomplete. I request that the details of these accounts be thoroughly investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the accounts in question : CHARGED OFF ACCOUNTS XXXX XXXX  Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES No inquiries reported. 

LATE PAYMENTS DEPTEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 filing a complaint against XXXX XXXX regarding a fraudulent account that is being reported under my name. I am the victim of identity theft, and this account does not belong to me. 

I have already taken all legally required steps to notify both XXXXXXXX XXXX  and TransUnion : I submitted an official FTC Identity Theft Report ( IdentityTheft.gov ). 
I submitted a police report documenting the identity theft. 
I submitted written identity-theft documentation directly to TransUnion. 
I included all documentation with my prior CFPB complaint as well. 

Under the Fair Credit Reporting Act, Section 605B, once a consumer submits an identity theft report and supporting documentation, the furnisher must cease reporting the fraudulent account, and the credit bureau is required to block it within four business days unless the furnisher provides clear evidence proving the account is legitimate. 

Despite this, XXXXXXXX XXXX  has repeatedly verified the account with no proof or documentation provided to me. These so-called verifications appear to be automated responses with no actual investigation. XXXX has failed to produce : An original signed application Any proof of identity Any proof that I opened or authorized this account Their continued reporting of this fraudulent account is causing ongoing and significant harm to my credit standing, including score drops, increased credit costs, and denials for legitimate credit applications. 

XXXXXXXX XXXX  is in violation of their responsibilities under the FCRA. Their actions also prevent TransUnion from complying with the blocking requirements of 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 disputing the accuracy of the following charged-off accounts appearing on my Experian report. I request that Experian conduct a full reinvestigation and provide copies of any verification documents used to confirm the reported information. 

If verification can not be provided within the timeframe allowed by the FCRA, I request these accounts be deleted immediately. 

XXXX XXXX, Acct # : XXXX Reported Charged Off ( XX/XX/XXXXXXXX XXXX XXXX, Acct # : XXXX Reported Charged Off ( XX/XX/XXXX ) Please also review my file for any inaccurate inquiries or payment history 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 2025-11-20 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: NY

Complaint narrative:
I am submitting this formal complaint because my consumer credit reports contain multiple inaccurate, unverified, and unlawfully reported items. I have attempted to resolve these issues with the credit bureaus, but they continue to report false information that violates the Fair Credit Reporting Act ( FCRA ). 

Below are the specific accounts and issues : 1. WRONG & FRAUDULENT ADDRESSES ( NOT MINE ) These addresses do not belong to me and were never associated with any account I have owned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX WRONG ADDRESS These entries indicate possible identity mix-ups or reporting errors, and I demand their immediate deletion from all credit bureau records . 

2. LATE PAYMENT ACCOUNT FALSE & INACCURATE REPORTING XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment This reporting is factually incorrect.

I never made a late payment on this account, and the reported delinquency is inaccurate and violates FCRA 1681e ( b ), which requires maximal accuracy in consumer reporting.

I am requesting correction of the inaccurate payment history, not deletion of the account. 

XXXX. CHARGE-OFF & COLLECTION ACCOUNTS NOT MINE / NO KNOWLEDGE Per my standing instruction : I have no knowledge of any charge-off or collection accounts listed below. These accounts are unfamiliar, unverified, and appear to be connected to the wrong personal information. 

XXXX XXXX XXXX XXXX  High Balance : {$2200.00} Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. Demand complete deletion. 

XXXX XXXX XXXX XXXX High Balance : {$600.00} Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account. Demand complete deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$0.00} Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account. Demand complete deletion.

These entries violate FCRA 1681i ( a ) because they are unverifiable and inaccurate.

I request that CFPB compel the credit bureaus and furnishers to provide full validation, including : Original signed agreements Complete payment histories Proof of ownership Chain of custody documents Because these can not be produced, the accounts must be removed entirely.

REQUESTED ACTIONS I respectfully request that the CFPB require the furnishers and credit reporting agencies to : Delete all wrong addresses listed above.

Correct the inaccurate late payment reporting for DPT EDXXXX. 

Delete the charge-off and collection accounts that I have no knowledge of. 

Provide written confirmation of all completed actions. 

These inaccuracies are damaging my creditworthiness and causing financial harm. I expect a full investigation and resolution. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-20 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: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I was at first dealing with XXXXXXXX XXXX XXXX XXXX XXXX Store Manager ll NMLS ID # XXXX At the XXXX XXXX XXXX  of TD, she was very nice and helpful but this was never resolved.

I took over the checking account after my fathers passed at some point either right before his passing or right after TD bank decided to close the account because my Mother 's ( his legal wife ) Social security went into the account which was against policy. OK. So they CLAIMED they sent back 2 months worth of social security payments to the SSA. but that was a lie they never did!! This was confirmed by SSA 6 different times and TD never showed ANYTHING they sent it back, however we DO see it deducted! then they decided to add insult to injury ( at this point it seemed like a vendetta ) they sent back her Tax refund ( they were just trying to drain this account ) and the IRS never got back one of the 2 that were sent ( they DID get one tho ) in XXXX of XXXX I was given 2 " Tracer numbers '' and both the IRS and SSA said they were fake, the # 's werent real they meant nothing. Isnt that wire fraud??????? 

Attached is an Email from XXXX ( and the Email string before it ) explaining that the tracer # means nothing to either place!! it was fake! 

the message I got from TD on that was " The payments were sent back XX/XX/XXXX. The trace back number again is : XXXX '' Never happend!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Credit Crop Solutions and all three major credit bureaus for illegally reporting and maintaining a debt that does not belong to me, violating multiple federal consumer protection laws. 

ACCOUNT DETAILS : Collection Agency : Credit Crop Solutions Amount : {$2000.00} XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX  : This is not my debt. I have no knowledge of this account and never received any services or products that would justify this collection. The debt belongs to someone with a similar name, constituting a mixed file situation under FCRA 1681c ( f ). All three credit bureaus are reporting this inaccurate information with DIFFERENT ACCOUNT NUMBERS, which clearly proves this is wrong-person debt. 

LEGAL VIOLATIONS : AGAINST CREDIT CROP SOLUTIONS : FDCPA 1692g VIOLATION - Never provided validation notice FDCPA 1692e ( 8 ) VIOLATION - Reporting unvalidated debt as verified to 3 bureaus FCRA 1681s-2 ( b ) VIOLATION - Furnisher failed to conduct proper investigation AGAINST XXXX XXXX XXXX  : 4. FCRA 1681e ( b ) VIOLATION - Failed to follow reasonable procedures to assure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: FL

Complaint narrative:
early this year i applied for a modification to my mortgage, i was working with the preview mortgage company that company transferred me to them since then i have been in a battle with the new one. i can get no info about my mortgage payment, when i spoke with some of them they act like they going to help me but never an answer. they statement they been sent to me are wrong

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 2025-11-20 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:
Several accounts are being reported under my name without my authorization or knowledge, and I have never authorized or managed them. This is entirely unacceptable, as it introduces inaccurate and misleading information into my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern. I require immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-11-20 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-20 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I purchased a book promotion service for {$700.00} offered to me through email by XXXX XXXX on XX/XX/25 using my Citibank credit through the online business marketplace, XXXX. Upon purchase from XXXX, I noticed that payment was made to XXXX XXXX of XXXX (!! ) XXXX XXXX said he was a trusted colleague. The contract stated that services would be delivered in 7-10 days, yet were still not delivered after 30 days with prompting. I did not know at this time that XXXX 's policy only allowed unhappy customers to submit claims for services within 5 days, prompting this complaint, since they allow their merchants to deliver services after the time frame necessary to file a complaint if one is needed. I disputed the charge through Citibank who gave me a provisional credit, then reversed the credit because XXXX 's merchant said the services were delivered when they were not. XXXX sent me an email stating chargebacks were not allowed and wanted me to pay them back knowing that my services were never rendered as well. Citibank never asked for documentation from me, but when they reversed the credit and I complained, they gave me an inoperable email address to send proof. After another call without hearing from Citibank for 2 weeks, I was able to send my email documentation confirming services were not rendered. Then they asked for more, so I sent the contract. Then they said I sent it too late. Then they said I didn't respond to them at all. Then they said I had time to stop services if I wanted to. They refuse to offer a credit for this bogus purchase and are using deceptive and inaccurate responses as to why they are unable to help me. I believe that XXXX 's practice of allowing their merchants to deliver services after a 5-day window allowed for disputes is deceptive as well.

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 2025-11-20 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XX/XX/XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Location : XXXX, Texas, XXXX CashApp has been interfering with my phones performance and abusing its notification system in ways that cross technical and ethical boundaries. 
The app now blends transaction history, declined payments, and security prompts ( like new device logins ) into a single feed. This behavior has created a feedback loop of misinformation, psychological stress, and false alerts.

Specifically, the app has reported multiple new device logins tied to my same phonewhich Ive had to reset repeatedly due to CashApp freezing or injecting stale notifications that no longer apply. The app shows three to four " active sessions '' and suggests that I need to sign out of devicesyet Ive only ever used one phone.

These phantom login prompts are paired with persistent alerts about declined transactions that are either resolved or never happened. Even after force-closing the app or restarting my device, the same inaccurate notices return.

This behavior violates user trust, creates confusion around security, and introduces potential risk to account stability. It is especially troubling because it mimics fraud flags while offering no transparency or remediation path to remove false login sessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The company closed my account. Since then, the account has continued to show on my credit report and is negatively affecting my credit profile. I have attempted to resolve this issue directly with the company multiple times, but the account has not been properly deleted. It's showing close with one bureau and open with another, with all having misinformation. One bureau have last payment on XX/XX/XXXX and another one has last payment in XXXX. 

This unresolved reporting is causing issues with my credit and preventing me from being able to move forward with important financial actions. I am requesting that the company correct or remove the account information as required so that my credit report accurately reflects my current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
The company closed my account. Since then, the account has continued to show on my credit report and is negatively affecting my credit profile. I have attempted to resolve this issue directly with the company multiple times, but the account has not been properly deleted. It's showing close with one bureau and open with another, with all having misinformation. One bureau have last payment on XX/XX/XXXX and another one has last payment in XXXX. 

This unresolved reporting is causing issues with my credit and preventing me from being able to move forward with important financial actions. I am requesting that the company correct or remove the account information as required so that my credit report accurately reflects my current status.

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