vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am filing this complaint against Equifax for fraudulent accounts and inquiries on my credit report. I have attached a copy of my FTC report as is required by the FCRA. Delete these stinking fraudulent accounts and inquiries from my credit report. They are keeping me from being able to obtain credit and have caused me credit denials!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Regarding Equifaxs Mishandling of Credit Report Disputes, Address Updates, and Investigation Procedures To Whom It May Concern, I am writing to formally raise a complaint against Equifax regarding its continued failure to properly investigate disputes on my credit report and its refusal to update my personal address, even after I submitted valid documentation multiple times. 

Specifically : Equifax has failed to update my current address, despite my repeated requests and submission of official documentation ( such as utility bills and identification ) clearly showing my residence at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX. 

This failure to update my personal information not only violates the Fair Credit Reporting Act ( FCRA ) but also impacts the accuracy and reliability of my credit profile. 

Additionally, Equifax has demonstrated a pattern of failing to conduct proper investigations into disputes Ive filed regarding inaccurate information, and has not provided sufficient documentation to furnishers as part of those disputes. 


These actionsor lack thereofhave caused unnecessary delays, confusion, and could result in financial harm by affecting my ability to access fair credit and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

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

Company 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Experians Mishandling of Credit Report Disputes, Address Updates, and Investigation Procedures To Whom It May Concern, I am writing to formally raise a complaint against Experian regarding its continued failure to properly investigate disputes on my credit report and its refusal to update my personal address, even after I submitted valid documentation multiple times. 

Specifically : Experian has failed to update my current address, despite my repeated requests and submission of official documentation ( such as utility bills and identification ) clearly showing my residence at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX. 

This failure to update my personal information not only violates the Fair Credit Reporting Act ( FCRA ) but also impacts the accuracy and reliability of my credit profile. 

Additionally, Experian has demonstrated a pattern of failing to conduct proper investigations into disputes Ive filed regarding inaccurate information, and has not provided sufficient documentation to furnishers as part of those disputes.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
Cashapp allowed a fraudulent + {$3300.00} purchase from my account without any verification from me or the app. I've contacted the merchant as well to verify faster that I don't have an account with them and did not make this purchase. I've asked for it to be investigated and my card cancelled, I don't have 45 days for an investigation I shouldn't even be having to ask for, so a provisional credit would be helped because this money was never supposed to be drained from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this complaint against DISCOVERC for furnishing inaccurate, incomplete, and deceptive information to the consumer reporting agencies in connection with an account reported under the name DISCOVERC and partial account number XXXX. 

Violations and Allegations : XXXX. Incomplete Account Reporting DISCOVERC is furnishing an account to the credit bureaus that lacks a complete and accurate account number. This makes it impossible for me, the consumer, to properly identify, investigate, or verify the validity of the account. By reporting an incomplete account number, DISCOVERC is violating its duty under the Fair Credit Reporting Act ( FCRA ) to furnish information that is accurate, complete, and capable of being verified. 
XXXX. Deceptive and Misleading Furnishing The information DISCOVERC has furnished is misleading and deceptive. The incomplete account data obstructs transparency and accountability and appears to be intentionally vague to avoid proper consumer challenges. This creates confusion and impairs my ability to exercise my rights under federal law. 
XXXX. Failure to Provide Legal Notice Under the Fair Debt Collection Practices Act ( FDCPA ) DISCOVERC also failed to provide legally required notices under the Fair Debt Collection Practices Act ( FDCPA ) before reporting this damaging information to the credit bureaus. As a result, I was not given the opportunity to dispute or validate the debt before adverse credit action was taken against me. 
XXXX Credit Damage Without Due Process By failing to provide proper notice or validation and by furnishing deceptive and incomplete information, DISCOVERC has unlawfully damaged my credit profile, causing me to suffer harm in the form of denied credit, higher interest rates, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-10 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: VA

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

Company 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 2025-06-10 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 submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} D XXXX XXXX L XXXX Balance : {$9200.00} D XXXX XXXX L XXXX Balance : {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Over the weekend XXXX I transferred money into my checking account each time I used it. I transferred exact amounts needed, or the difference based on my available balance.on Friday my available balance was {$7.00}. I transferred {$40.00} from my savings to do my laundry. I transferred {$45.00} from my savings to checking for dinner at XXXX. The bill was XXXX and again my available balance after laundry is {$7.00}, so I only transferred the difference. I also transferred {$60.00} for gas which comes out automatically because I enter my pin. The system also decided to process a charge that I made from two or three days prior to Friday And now my account is overdrawn {$6.00} when I literally transferred money based on the available balance. I always leave my checking accounts at XXXX dollars and every other weekend my account has been overdrawn by Tuesday when the system catches up to the information being displayed to me in real time. I understand that the system has a process but it should not be the burden of the consumer to cover the cost of a slow system. Statements are not an accurate representation of when the money was spent because they reflect when the system processes everything. Thats fine, but why show me an available balance? Its been a months worth of overdrafts, with little to help from Navy Federal. Ive called customer services a few times for this and each time they just blame it on the system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
15 USC 1681c-2 This is a formal statement regarding fraudulent activity found on my credit report. I never gave consent to any of the listed items. Block and remove all entries mentioned in the FTC report and attached PDF. They are to be deleted immediately.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Portfolio Recovery Associates, I recently reviewed my credit report and noticed that your company is reporting a debt allegedly owed by me. I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, and request that you provide full validation of the debt before I take any further action. 

Please provide the following information : The name of the original creditor and the original account number. 

The amount of the alleged debt, including a breakdown of any fees, interest, or other charges. 

A copy of the original contract or agreement bearing my signature, if applicable. 

A detailed statement showing how the amount was calculated. 

Proof that your agency is legally authorized to collect debts in my state. 

A copy of the judgment, if applicable. 

Documentation that proves your right to report this debt to the credit bureaus. 

Please note that until you provide the above information, you must cease all collection activity and must not report or continue to report this alleged debt to any credit reporting agency, per the FDCPA. 

If you can not validate the debt, you are required to delete it from my credit report and inform all credit reporting agencies to which you have reported it. 

This letter is not an acknowledgment of any liability or a promise to pay ; it is a formal dispute and a request for validation. Please respond in writing within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation