vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-19 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. 

I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-19 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
They lock down my account for no. Reason in want let me send money in want let me spend my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I saw that there was a Capital One account reporting to my credit that I did not recognize. I have contacted Capital One multiple times and they can not pull my information up to show I own the account. I have never had a Capital One credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
I am filing this complaint against Experian for repeatedly and willfully violating the Fair Credit Reporting Act ( FCRA ) by reporting false and inaccurate address information on my consumer credit file. Experian is currently reporting multiple addresses that I have never resided at, never authorized, and have no connection to. Despite my formal dispute, Experian refused to remove these addresses and instead deflected responsibility to third-party creditors an act which directly violates their duties under FCRA XXXX XXXX a ). 

I contacted the original furnishers as advised by Experian, and clearly informed them that the addresses were incorrect and not linked to me. The furnishers claimed to have conducted internal investigations, but I never received a written result. Regardless, Experian, as the credit reporting agency, is independently obligated under FCRA 607 ( b ) to ensure maximum possible accuracy in the information they report. They have failed to do so. 

Further, Experians failure to delete these disputed addresses after acknowledging my fraud alert and dispute constitutes willful noncompliance with FCRA 602, 607, and 611, and is contributing to continued consumer harm through the sale of false information to creditors and third-party entities. 

I demand immediate removal of all disputed addresses that can not be verified with legally admissible proof ( e.g., lease agreements, utility records, signed documents ). I also request a formal response from Experian acknowledging their failure to comply and detailing corrective actions taken. 

Experians current reporting is misleading, damaging, and constitutes negligent or intentional misrepresentation of personal identifying information. I am prepared to pursue further legal remedies under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance if this issue is not resolved promptly. 

The Address ID 's I am requesting to be permanently removed from my credit report are as followed : # XXXX, # XXXX, # XXXX and # XXXX. The only Address ID that is to remain on my credit report is # XXXX. A copy of my Experian credit report will be provided in this complaint.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd.
State: MS

Complaint narrative:
This account is involved in litigation due to hippa law and the balance is incorrect. I need this account removed from credit report immediately thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Formal Dispute Letter FCRA & FDCPA Violations XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute XXXX Account Ending in XXXXViolation of FCRA & FDCPA To Whom It May Concern, I am writing to formally dispute the reporting of two late payments on my XXXX XXXX XXXX account ending in XXXX, which was originally serviced by XXXX XXXX XXXX and later transferred to your institution, XXXX XXXX XXXX XXXX 
No Notice of Assignment I was never notified of the assignment or transfer of this account from XXXX XXXX to XXXX. Therefore, I was unaware that XXXX had taken over servicing the account, nor that I needed to modify my existing automatic payment setup. During my time with XXXX XXXX, the account was in perfect standing and enrolled in automatic debit payments. 
No Notification of Negative Reporting I was further never notified by XXXX XXXX Bank that negative payment history would be reported to the credit bureaus. This is a direct violation of : - FCRA 1681s-2 ( a ) ( 7 ) ( A ) : Furnishers must notify the consumer within 30 days of reporting any negative information to a credit bureau.- FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information that is inaccurate or incomplete, especially given the automatic payment status.- FDCPA 1692e ( if Comenity is acting as a debt collector ) : Deceptive or misleading collection practices by failing to notify me of the account change or debt servicing transfer.Due to these omissions, I was denied the opportunity to take corrective action or maintain my account in good standing. 
XXXX. I am formally requesting the following : XXXX. Immediate removal or correction of the two late payments from all credit reporting agencies. 
XXXX. A copy of the Notice of Assignment or Transfer from XXXX  XXXX to XXXX XXXX XXXX. 
XXXX. A written explanation of your failure to provide timely notice of negative reporting. 
XXXX. Written confirmation that the account has been restored to a positive standing, and my credit file has been updated accordingly. 
This letter serves as a formal dispute under the Fair Credit Reporting Act and as notice of concern under the Fair Debt Collection Practices Act ( if applicable ). Please investigate and respond within the required 30 days, as mandated by law.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX  I had dinner at XXXX XXXX XXXX XXXX in XXXX NY however because the service was so bad I didn't tip. My card was charged for % XXXX tip. I don't have the original receipt however the credit card company was not able to provide the fact that I actually did tip and denied my claim. 
This was on my Apple Card issued by Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I recently identified an account on my credit report that I did not initiate or authorize. I suspect this is related to fraudulent activity using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As a fair and lawful resolution to this matter, I am requesting the following : Immediate reinvestigation of the two disputed XXXX accounts : Account # XXXX Account # XXXX The furnisher must provide documented proof that I was sent timely and verifiable notice ( via dated billing statements, letters, or electronic communications ) prior to the late payment ( s ) being reported. If no such proof can be provided, the late payment ( s ) must be permanently deleted from my credit file in accordance with : FCRA 1681e ( b ) ( Accuracy ) FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( Furnisher Responsibility ) FCRA 1681i ( a ) (
Reinvestigation of Disputed Information ) An updated copy of my credit report and written confirmation of the outcome must be sent to me within 15 business days, free of charge.

Any entities that obtained my credit report while this inaccurate data was present must be notified of the correction, per FCRA guidelines. 

If these steps are not taken promptly, I will continue to escalate my complaint to the Federal Trade Commission, my State Attorney General, and may pursue legal remedies under FCRA 616, which entitles me to up to {$1000.00} per violation, plus actual damages and legal fees. 

I am simply requesting accurate reporting and fair treatment under the law nothing more, nothing less.

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 2025-07-19 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: MI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-19 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:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IN

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the 15-day timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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 need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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