vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax continues to report inaccurate information. XXXX XXXX XXXX  is reporting a charged-off account on my credit report, but the debt has been transferred or sold to XXXX XXXX  XXXX XXXX XXXX XXXX ) and only XXXX XXXX is reporting which is a violation. 

The balance is still showing, but XXXX XXXX no longer owns the debt. 
The account is inaccurately marked as XXXX  days past due even after the account has been charged off. 
The reporting is inconsistent with FCRA guidelines for sold or transferred debts. 

Equifax reports first delinquency as XX/XX/XXXX but reflects as paid in time. 

Equifax reports that the account was XXXX  days past due in XX/XX/XXXX, then XXXX  days past due in XX/XX/XXXX and XXXX  days past due in XX/XX/XXXX but Equifax never reported a XXXX  days past due this is reporting inaccurate reporting. 

XXXX XXXX XXXX  continues to report inaccurate and potentially misleading information to Equifax who then inaccurately reports on my credit report. 

I have disputed XXXX XXXX XXXX  with the three major credit bureaus and each time it comes back as updated or verified when this is clearly reporting inaccurately. 

When reviewing these findings Im am requesting permanent deletion of this XXXX XXXX XXXX  Account with all three credit bureaus due to multiple violations along with monetary compensation of {$1000.00} for each violation that has came back as VERIFIED. 

FCRA 607 ( b ) 15 USC 1681e ( b ) Information must be accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ).

I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. 

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records. 

Please confirm in writing that my request has been processed and that all fraudulent accounts have been blocked and deleted. If you need further information, you may reach me at the contact information provided above.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
I was scammed out of {$2100.00} that went to a XXXX XXXX Bank account card ending in XXXX. {$2100.00} was uploaded into my CashApp from my card XXXX from my bank from a scammer that posed as a bank rep that accessed my banking information moved {$1600.00} into my general banking of {$500.00} and then put it into cash app added the funds and transferred it to the XXXX XXXX Bank XXXX card ending XXXX. I filed a police report with my local police station about the matter case XXXX. I went to my bank that stated that they cant do anything about the funds because it went in and out of Cashapp. I contacted the XXXX Bank that also said that they get scammers who open accounts and once they get the money close them down so they are never traced. I've already filed complaints with the XXXX that I attached below because XXXX XXXX XXXX on this gave me the completed transaction when I can see that myself in transaction history that is not an investigation. I've uploaded the documentation needed for someone to do a real investigation on this matter. There is a letter from the bank stating that they had to change all of my account information, routing, banking, member, online banking to everything brand new because the account was compromised by someone that hacked my account to get the money over to Cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed a {$1300.00} charge from XXXX XXXX for tire replacement service performed on XX/XX/year>. Immediately after the service, I noticed visible damage to my rims and returned to the store within 10 minutes. A manager examined the damage, physically chipped off a piece of my rim, and falsely claimed the damage was painted over by a prior repair shop. 

To prove this was incorrect, I drove from XXXXXXXX XXXX XXXXXXXX to the original collision center, which confirmed they never paint rimsthey only refinish and sand. They were willing to vouch for this directly. I contacted XXXX XXXX customer service and was told by the store manager to get quotes for repair. Once I did, the original manager denied the entire issue and said it was being handed over to XXXX XXXX, their third-party claims handler. 

XXXX XXXX contacted me on XX/XX/XXXX. I submitted detailed images, a timeline, and a written explanation. On XX/XX/XXXX, they denied the claim, saying there was no proof. I followed up with multiple emails asking what evidence they reviewed and what investigation was done. I received no response other than a voicemail saying a denial letter would be mailed. 

I submitted all of this evidence to Capital One as part of my disputeincluding photos showing mechanical damage, proof the merchant never attempted to resolve the issue, and emails that were ignored. Capital One has since denied my dispute multiple times, saying I did not provide the information requested, but never specified what was missing. I was not given a chance to correct or re-send anything, and my evidence appears to have been disregarded. 

Im requesting CFPB assistance because I believe this chargeback was unfairly denied and that the process was handled improperly by both the merchant and Capital One. I acted in good faith and submitted everything they asked for, but received no meaningful response or resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: AL

Complaint narrative:
This is a follow-up to my earlier dispute. Since the account is still reporting errors, Im formally requesting the description of procedures used during your investigation. You are required to provide this within XXXX  days of receiving this request. If not, I expect all disputed negative items to be removed 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
* Request a copy of the deficiency balance from the lender/bank. 
* a 1099 was never received or noted * Inaccurate information and balance being reported to my credit report. 

This is going against my rights and gives me reasons to take legal action if not proven with legal documents.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX, XXXX, A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX OF XXXX * * * * Balance Owed : {$2600.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX OF XXXX * * * * Balance Owed : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX, XXXX, A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX OF XXXX * * * * Balance Owed : {$2600.00} XXXX XXXX * * * * * * Balance Owed : {$8800.00} XXXX OF XXXX * * * * Balance Owed : {$2800.00}

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to dispute an account on my credit report that I firmly believe contains inaccurate and incomplete information. Despite submitting multiple disputes, the issue has not been corrected, and there is no indication that a proper or thorough investigation has been conducted. 

This unresolved matter has become a serious source of emotional strain and is now impacting my daily well-being. The continued lack of resolution is both frustrating and discouraging. 

I want to emphasize that this is a legitimate dispute, supported by proper documentation. I am not requesting canned responses or template replies. A third-party service, authorized by me, has submitted this dispute on my behalf, along with all necessary identification documents to ensure it can be addressed without delay. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: NC

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, CHALLENGED OR NOT.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB Online Complaint Form Submission Section 1 : What happened? 
I am filing a complaint against TransUnion Consumer Solutions for willful violations of the Fair Credit Reporting Act ( FCRA ), including failure to conduct proper reinvestigations, provide timely responses, and verify disputed accounts, as well as against several furnishers for providing inaccurate information. On XX/XX/XXXX, I disputed XXXX accounts, received by TransUnion on XX/XX/XXXX. They missed the FCRA reinvestigation deadline of XX/XX/XXXX, and the written results deadline of XX/XX/XXXX. I sent a second dispute on XX/XX/XXXX, and a final demand on XX/XX/XXXX. TransUnions late response, received XX/XX/XXXX ( dated XX/XX/XXXX ), was unpostmarked and failed to fully address XXXX accounts : XXXX XXXX : Double-reported ( balance {$2600.00}, XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX : Re-aged by XXXX  XXXX  ( balance {$1800.00}, XXXX XX/XX/XXXX ). 
XXXX XXXX XXXX : Re-aged by XXXX  XXXX  ( balance {$770.00}, XXXX XX/XX/XXXX ). 
XXXX XXXX XXXX : Re-aged by XXXX XXXX ( balance {$890.00}, XXXX XX/XX/XXXX ). 
XXXX XXXX  : Time-barred ( balance {$1800.00}, XXXX XX/XX/XXXX XXXX. 
XXXX  : Time-barred ( balance {$27000.00}, XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX : Unverifiable, time-barred ( XXXX XX/XX/XXXX ) .Three accounts were deleted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX but TransUnion failed to provide a Method of Verification or confirm permanent blocks on re-reporting. After my second round of letters on XX/XX/XXXX, TransUnion sent emails claiming they are investigating, which is too late. They also sent a generic response, and I believe they didnt take action initially. Their reinvestigation is unnecessaryits clear from my evidence these accounts are past the statute of limitations and illegally re-aged, so they shouldnt need to contact furnishers. This has harmed my credit score ( XXXX as of XX/XX/XXXX, vs. XXXX  XXXX and XXXX XXXX ), impacting my ability to secure loans and employment.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 response to consumer: Closed with explanation