vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: The Bureaus, Inc.
State: CO

Complaint narrative:
Paid off accounts in collections but they are still showing up on my report. This is impacting getting a mortgage for a house

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Paid off accounts in collections but they are still showing up on my report. This is impacting getting a mortgage for a house

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 2025-05-20 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: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MA

Complaint narrative:
XX/XX/year> The attach letter and image was a result of my dispute to XXXX XXXX. They made the correction. I note that both a TransUnion XXXX Equifax are reporting a derogatory remark and both have dropped my XXXX XXXX. In the attached letter address to me from XXXX XXXX the correct the mistake : We sent an update to the credit bureaus to change your account 's current balance to {$0.00}. It may take the credit bureaus up to 60 days to update your credit report. 

We ( XXXX XXXX and I ) spoke today regard any derogatory information sent to the credit bureaus. The XXXX XXXX XXXX stated there has never been a missed payment on this account. In fact, XXXX XXXX wants to upgrade me given my payment record. I am an excellent customer in their words. 

In a statement if there was a payment the statement would indicate the interest and possible additional fees. You will never see that indicated on any XXXX XXXX payment statement attached to my good name. 

Finally, my XXXX XXXX payment date is on the XXXX of the month. That marks the end of the previous billing cycle. I pay the bills from the XXXX of the month up until the XXXX of the month if needed. XXXX XXXX will generate there reports at the XXXX of the month. This means I am in the next billing cycle. The {$36.00} you XXXX TransUnion XXXX Equifax ) show is next cycle meaning the XXXX of the next month again I pay the bills from the XXXX of the month up until the XXXX of the month. If I do not pay the {$36.00} on the tenth please believe me XXXX XXXX will smile feeling like it hit the jackpot. I never want them to experience that feeling, trust me!!! 

Please remove the information and remove XXXX XXXX from any negativity on my credit report. XXXX XXXX and I have a great business relationship. It should be reflected the way it truly is in life. 

XXXX XXXX is sending me a letter indicating how long the card has been in use. The letter due to arrive in the next XXXX to XXXX business days will indicate I have never missed a payment and is in excellent standing, something like that. I will provide all three bureaus with that communication when I receive it. 

To TransUnion, I see you greatly lag the other bureaus in your scoring. Please do not personalize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Subject : Identity Theft Notification and Request for Removal of Fraudulent Inquiries and Accounts Dear TransUnion Dispute Department, I am writing to formally notify you that I am a victim of identity theft. I recently reviewed my credit report and discovered several fraudulent accounts and inquiries that I did not authorize. These accounts and inquiries are the result of identity theft, and I am requesting their immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which entitles identity theft victims to block such fraudulent information. 

The fraudulent accounts and/or inquiries I am disputing are listed below 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 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  ) FRAUDULENT INQUIRIES THAT NEED TO BE REMOVED/BLOCKED : XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXXXXXX XXXX Reported on XX/XX/XXXX XXXX XXXXXXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX on XX/XX/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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I got a notification that my credit report was changed and logged in and saw I had over XXXX dollars in charges to a capital one card. I had not used this card in years and they charged me a member fee of XXXX dollars and late fees at almost XXXX dollarsI had not even purchased anything. They never sent a bill in the mail or contacted me via phone. Now my credit report score is down almost XXXX pointsI had good credit. They told me they can not fix this. I filed disputes with all three credit bureaus. I need this fixed and Capital one should be ashamed of themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security XXXX My correct address is : XXXX XXXX XXXXXXXX XXXXXXXXXXXX

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 2025-05-20 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: KS

Complaint narrative:
My credit score took a huge downward spiral due to COVID. At the time of COVID I worked for a XX/XX/XXXXXXXXXX/XX/XXXX When COVID hit and hospitals were shutting down and not letting people into their XX/XX/XXXX, I lost my job. All elective XX/XX/XXXXwere cancelled. The company that I worked for owed me a large sum of money and would not pay it. So for several months I went without pay and was unable to pay my bills, credit cards included. 
This is, in the insurance business, " an act of God ''. This means that the events unfolding during COVID was out of my control and directly effected me and my ability to pay my bills.

I absolutely should not have to suffer a bad credit score due to things out of my control. I did not pay my bills back then NOT DUE TO BEING IRRESPONSIBLE but due to a world wide lock down. 
I care about my credit score and rating and always have. I am NOT an irresponsible person that doesn't pay his bills. As soon as the lock downs lifted and I was able to go back to work, I began paying back my delinquent accounts. WHY? BECAUSE IT MATTERS. Due to this stupid time in history, my score looks as though I am an irresponsible person that is not worthy of a good credit score. It has taken me years to recover from this event and my score still suffers to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
My credit score took a huge downward spiral due to COVID. At the time of COVID I worked for a XXXX XXXX XXXX XXXX When COVID hit and XXXX  were shutting down and not letting people into their XXXX, I lost my job. All elective XXXX  were cancelled. The company that I worked for owed me a large sum of money and would not pay it. So for several months I went without pay and was unable to pay my bills, credit cards included. 
This is, in the insurance business, " an act of God ''. This means that the events unfolding during COVID was out of my control and directly effected me and my ability to pay my bills.

I absolutely should not have to suffer a bad credit score due to things out of my control. I did not pay my bills back then NOT DUE TO BEING IRRESPONSIBLE but due to a world wide lock down.
I care about my credit score and rating and always have. I am NOT an irresponsible person that doesn't pay his bills. As soon as the lock downs lifted and I was able to go back to work, I began paying back my delinquent accounts. WHY? BECAUSE IT MATTERS. Due to this stupid time in history, my score looks as though I am an irresponsible person that is not worthy of a good credit score. It has taken me years to recover from this event and my score still suffers to this day.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted to unlock my TRANSUNION credit for XXXX weeks to get credit. The website had been " unable to complete request ''. XXXX page is not working. Help bot does not work. Phone will not accept UNlock.

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 2025-05-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX located in XXXX, XXXX has a total of 5 unauthorized inquires on my credit report. I have never applied for credit with this merchant. This is incorrect reporting information and according to the FCRA, incorrect/inaccurate. The merchant has continually over the years ran my credit. This information needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX located in XXXX, XXXX has a total of 5 unauthorized inquires on my credit report. I have never applied for credit with this merchant. This is incorrect reporting information and according to the FCRA, incorrect/inaccurate. The merchant has continually over the years ran my credit. This information needs to be corrected.

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 2025-05-20 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: NY

Complaint narrative:
I am filing a complaint regarding the sudden closure of my Cash App account without valid explanation or due process. 

One day, I received a large number of unsolicited money requests from suspicious accounts on Cash App. These appeared to be scam attempts, and I did not engage with or authorize any of these requests. The following day, I was notified that my account had been permanently closed due to an alleged violation of the Terms of Service. 

To my knowledge, I have never violated any of Cash Apps policies or engaged in any activity that would warrant the termination of my account. I believe this action may have been taken in error due to the influx of fraudulent requests I received, which were completely out of my control.

This account held access to important financial resources, and its closure has caused significant inconvenience and disruption to my personal finances. I was not given a clear explanation, nor was I offered an opportunity to appeal or resolve the issue directly with Cash App support.

As a fair resolution, I am requesting that my Cash App account be reinstated. I am willing to cooperate fully and provide any necessary documentation to verify my identity and demonstrate that I was not involved in any fraudulent activity. I respectfully ask the CFPB to assist in reviewing this matter and helping restore access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
his is in reference to the response letter I received from Equifax regarding my submitted disputes. In the letter, Equifax is requesting additional personal information in order to verify my identity and move forward with the investigation process. I am preparing to provide the necessary documents and details to facilitate the continuation of these disputes.

Company response to consumer: Closed with explanation