vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: WA

Complaint narrative:
I am submitting this complaint to request an investigation into inaccurate or unverifiable information being reported by the major credit reporting agencies. The following details outline each bureau and the specific items I am disputing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure all information reported about me is accurate, compCharged-Off Accounts : [ No charged-off accounts listed at this time. ] ( If any are appearing, they are inaccurate, unverifiable, or do not belong to me. I request verification and removal if the furnishers can not substantiate the information. ) Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute Reason for Inquiries : These inquiries appear to have been made without my authorization or a permissible purpose under the FCRA. I am requesting that Experian investigate and remove any inquiry that can not be verified as authorized by me directly. 

Positive Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. 

Summary of Concern : Experian is reporting several inquiries that I did not authorize. Please conduct a full investigation, confirm permissible purpose, and remove any unverifiable inquiries from my file. 

XXXX XXXX XXXX XXXX Charged-Off Accounts : [ No charged-off accounts listed at this time. ] Inquiries : [ No inquiries listed at this time. ] Positive Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and verifiable.

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 2025-11-18 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: LA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 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: LA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of derogatory accounts that are older than XXXX years, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ).

Under the FCRA, credit bureaus are prohibited from reporting negative items such as collections, charge-offs, or delinquent accounts after XXXX years from the date of first delinquency. Despite this legal requirement, my credit reports from all three credit bureaus continue to display several accounts that have exceeded the seven-year reporting limit. 

I have previously disputed these accounts directly with the credit bureaus, yet they remain on my reports without proper correction or removal. Their failure to delete these obsolete accounts has caused ongoing harm, including damage to my creditworthiness and financial opportunities. 

I am requesting that the Consumer Financial Protection Bureau : Investigate the failure of Experian, Equifax, and TransUnion to comply with FCRA 1681c ( a ) concerning obsolete information.

Require the credit bureaus to delete all accounts on my credit file that are beyond the seven-year reporting period. 

Ensure that the credit bureaus implement corrective measures to prevent continued inaccurate and unlawful reporting. 

I am attaching/including documentation such as copies of my credit reports, dispute letters, and any responses Ive received from the bureaus to support my claim.

Thank you for your attention to this matter. I request regulatory action to ensure full compliance with 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for their continued reporting of derogatory accounts that are older than XXXX years, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ).

Under the FCRA, credit bureaus are prohibited from reporting negative items such as collections, charge-offs, or delinquent accounts after XXXX years from the date of first delinquency. Despite this legal requirement, my credit reports from all three credit bureaus continue to display several accounts that have exceeded the seven-year reporting limit. 

I have previously disputed these accounts directly with the credit bureaus, yet they remain on my reports without proper correction or removal. Their failure to delete these obsolete accounts has caused ongoing harm, including damage to my creditworthiness and financial opportunities. 

I am requesting that the Consumer Financial Protection Bureau : Investigate the failure of Experian, Equifax, and TransUnion to comply with FCRA 1681c ( a ) concerning obsolete information.

Require the credit bureaus to delete all accounts on my credit file that are beyond the seven-year reporting period. 

Ensure that the credit bureaus implement corrective measures to prevent continued inaccurate and unlawful reporting. 

I am attaching/including documentation such as copies of my credit reports, dispute letters, and any responses Ive received from the bureaus to support my claim.

Thank you for your attention to this matter. I request regulatory action to ensure full compliance with 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 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-18 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report from Experian. Upon reviewing my credit file, I have identified several errors that I believe violate the Fair Credit Reporting Act ( FCRA ) and compromise my creditworthiness. Below are the details of the accounts I am disputing. 
Account : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Negative Date Opened : XX/XX/year> Balance : {$24000.00} I believe this account may have been reported inaccurately. Specifically, the payment history and the charged off status need to be reviewed as it may not comply with reporting guidelines under the FCRA. 
Account : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Negative Date Opened : XX/XX/year> Balance : {$390.00} This account has been reported as charged off incorrectly. Please verify the status and ensure the information is compliant with the FCRA. 
Account : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Negative Date Opened : XX/XX/year> Balance : {$22000.00} This account was marked as negative despite showing a closed status. Please review whether the status is being reported correctly under the FCRA guidelines.

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 2025-11-18 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 am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX, Space # XXXX XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date of incident : XX/XX/year> / XX/XX/year> Description of incident : On XX/XX/year> I posted a comment ( XXXX ) on the XXXX group page titled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Subsequently, a business or person using the name XXXX XXXX ( or similar ) replied to my comment and promised me a {$5000.00} blessing in return for my Cash App information. I provided my Cash App details. Immediately after, I was told that the payment was contingent on me having a {$100.00} XXXX balance. I believe this is a fraudulent advance-fee scheme : I paid or was asked to pay ( via XXXX ) XXXX in order to receive a promised payment which has not occurred ( and likely never will ). 
Why I believe its a scam / fraud / phishing attempt : A promise of large payment ( {$5000.00} ) after a trivial action ( comment XXXX! ) is extremely unlikely and unusually generous. 
The requirement of a {$100.00} XXXX balance to trigger the payment is characteristic of advance-fee scams ( you pay money now for a reward or payment which then never arrives ). 
The contact was unsolicited and via a public comment thread suspicious context. 
The business/person requested a digital payment method ( Cash App / XXXX ) which offers little consumer protection and is frequently used by scammers. 
Requested action : I request that this matter be investigated as a potential fraud, advance-fee scam, phishing / socialengineering scheme. I wish to submit the details so that law enforcement and regulatory bodies can track the perpetrator, potentially freeze funds ( if possible ) and warn others. 
Additional details : Platform : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment posted : XXXX Date : XX/XX/year> Respondent : XXXX XXXX ( or close spelling ) Payment method requested : Cash App info + requirement of XXXX {$100.00} balance Amount promised : {$5000.00} Location : I am in XXXX XXXX XXXX Attachments/Evidence : Please attach any screenshots of the XXXX comment/reply XXXX any chat or message threads with XXXX XXXX, any Cash App prompts, any XXXX transaction requests. 
Declaration : I declare that the information provided in this complaint is true and correct to the best of my knowledge and belief, and that I have not knowingly omitted any material facts. 
XXXX XXXX XXXX : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I attempted to purchase XXXX XXXX tickets from a XXXX XXXX XXXX XXXX on XX/XX/year>. XXXX was initiated via the XXXX XXXX and I eventually sent the {$900.00} to the seller via my XXXX Zelle. I have confirmed with XXXX that the money was sent to the seller however the seller has failed to transfer the tickets to my XXXX Account. I have reported this matter to XXXX Zelle XXXX line and they are investigating. The XXXX XXXX XXXX XXXX now does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-18 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: NJ

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 ACCOUNT:5XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Please go over the supplied documents ; the inquiries surfaced without notice and may not be permitted.

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 2025-11-18 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Resurgent Acquisitions Llc is violating my consumers rights.I have not been given a chance to dispute account according to 12 Cfr 1006.34 ( c ) ( 1 ) .Collection agency has not provided validation in accordance with 12 Cfr 1006.34 ( b ) ( 5 ), but still placed collection on my consumer credit report.Collection agency is violating my consumers rights by using false misleading, misrepresention. 
Collection agency has no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures by law.They are in violation of 12 Cfr 1006.34 ( d ) and 15 Usc 1681-S2 ( 7 ) ( A ) I am requesting a purchase agreement between debt collector and the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief