vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
at the time of covid-19 we were under no payment plane and then it was extended and not be reported to my credit report. but they did and will not remove it for me... I did go to Experian to remove it, and they did for 3yr. but now its back on my report... again. I called them and no help. I tried to make a payment, but they wouldn't take one over the phone they wanted all of the back payments from covid to be updated in full, otherwise they will not let me make a payment at all. so, this was not my doing. mortgage is XXXX XXXX account number is XXXX not sure what it is.

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 2025-04-08 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: VA

Complaint narrative:
Around XX/XX/XXXX, CashApp suspended all the accounts I had -- personal and professional. I began the dispute process the same day I found out that the account had been shut down. The account was holding USD and BTC. 

On XX/XX/XXXX, customer service responded via email that they " we have found activity that violates our Terms of Service '', but never explained what activity actually violated their TOS. 

I transferred the original USD amount out of the business account on XX/XX/XXXX. I sold the BTC from the business into cash on 2 occasions, XXXX and XX/XX/XXXX. I sold the BTC from the personal account into cash on XXXX. I deleted both accounts shortly after XX/XX/XXXX. 

Today, XXXX, I called the customer service number for CashApp, ( XXXX ) XXXX, twice. I requested them to give me access to or send me via email the tax documents I need to finish my taxes. The support said they couldn't give me what I needed, that the documents weren't available.

However, On XX/XX/XXXX, CashApp emailed me that my 1099-K was ready to download. And on XX/XX/XXXX, CashApp emailed me that my 1

099-B was available to download. Clearly the documents were made. They won't hand them over so I can complete my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 am filing a complaint regarding an auto loan account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX ). This account was charged off years ago but continues to be reported inaccurately and in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



First, the account continues to show monthly XXXX XXXX XXXX XXXX notations into XXXX, which is known as re-aging an illegal practice that artificially extends the time negative items remain on a credit report. This account should be scheduled for removal XXXX years from the original delinquency in XXXX not XXXX, as Experian is currently reporting. 



Second, XXXX XXXX XXXX recently attempted to quietly update the account as closed between XX/XX/XXXX and XX/XX/XXXX, as seen on my Equifax report. This account should have been marked closed YEARS ago. These updates appear to be an effort to conceal the continued inaccurate and damaging reporting. 

The reporting is messy, inconsistent, and deceptive. It is clearly being manipulated to harm my credit longer than the law allows. I have attached before-and-after screenshots showing the monthly XXXX updates, balance inconsistencies, and the sneaky closure attempt. 


I asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account number : XXXX | account name : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding an auto loan account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX ). This account was charged off years ago but continues to be reported inaccurately and in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



First, the account continues to show monthly XXXX XXXX XXXX  ) notations into XXXX, which is known as re-aging an illegal practice that artificially extends the time negative items remain on a credit report. This account should be scheduled for removal XXXX years from the original delinquency in XXXX not XXXX, as XXXX is currently reporting. 



Second, XXXX XXXX XXXX recently attempted to quietly update the account as closed between XX/XX/XXXX and XX/XX/XXXX, as seen on my XXXX report. This account should have been marked closed YEARS ago. These updates appear to be an effort to conceal the continued inaccurate and damaging reporting. 

The reporting is messy, inconsistent, and deceptive. It is clearly being manipulated to harm my credit longer than the law allows. I have attached before-and-after screenshots showing the monthly XXXX  updates, balance inconsistencies, and the sneaky closure attempt. 


I asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account number : XXXX | account name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following item from my credit report, immediately.

Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following item from my credit report, immediately.

Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MT

Complaint narrative:
Equifax is in violation of : 15 U.S.C. 1681e ( b ) states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The FCRA provides for compensation in the form of actual damages and attorneys ' fees if a consumer reporting agency negligently fails to comply with any provision of FCRA. 15 U.S.C. 1681o. In addition, a consumer can recover punitive damages for willful non-compliance. 15 U.S.C. 1681n.

I have reached out to all companies and equifax multiple times to no avail.

The companies simply say that they don't have an account for me, in one such insance XXXX XXXX actually hung up on me while i was trying to resolve just so I could get it off the report so I could use my XXXX XXXXXXXX XXXX to purchase a house. 

Everytime I call Equifax I get someone that doesn't have a command of the XXXX language and that barrier prevents progress, I can no longer call the credit reporting agency as I have exhausted all means of communication. I've written them several times, given them all required information that they asked for and more. I believe the only way to fix this is through the courts as : 1. I have been denied credit to the tune of {$390000.00} for a home which is solely and expressly the fault of Equifax reporting incorrect information on my report and not taking steps to confirm the accuracy of the information.

2. Equifax is the only CRA that has this information reporting. There is a difference of nearly XXXX points in my fico score there and the other two CRAs. There methods are causing me harm and distress and I am a XXXX on the verge of being homeless even though I have a loan guarantee that Equifax has single-handedly essentially made useless. 

I would like to have the means by which the company is verifying the accounts attributed to the information file that they maintain on me as a consumer. I have given them information directly from other companies that have confirmed that the information was in error on part of the company ( i.e XXXX XXXX ) and also have called XXXX XXXX multiple times and they have confirmed they do not have an account for me. Therefore there must be a glitch or a willfull retaining of incorrect information on the credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Pnc XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed.

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature.

2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account. Please provide me with the name and address of the
bonding agent for Pnc XXXX XXXX, in case legal action has to be taken.

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter.

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA.

Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Regions Bank. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.

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 2025-04-08 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-08 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-08 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-04-08 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:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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