vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
With my track record of timely payments, this late payment is unfair. I ask that you remove it and update my account promptly.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
With my track record of timely payments, this late payment is unfair. I ask that you remove it and update my account promptly.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the immediate removal of an inquiry from my credit report that I did not authorize. After reviewing my credit history, I have identified an inquiry that was made without my consent or knowledge. This inquiry was conducted without any permissible purpose, and as such, it violates my rights under 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am writing to formally address the closure of my account, which I understand was closed due to the discharge of my debt. While I appreciate the resolution of this matter, I find it necessary to express my discomfort regarding the impact this has on my credit report and overall financial standing. 

It is imperative that this account be removed from my credit report immediately. The presence of this closure is causing unnecessary complications in my financial affairs, and I believe it is in both of our best interests to resolve this promptly. 

Additionally, it has been reported as a [ WRITE OFF ] and I have yet to receive my IRS Form XXXX concerning the XXXX debt. This document is crucial for my tax records and to ensure compliance with the IRS regulations. I kindly request that you provide this form at your earliest convenience. 

Thank you for your attention to these matters. I look forward to your prompt response and resolution.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding an issue with Experian 's credit reporting. I previously disputed an account that was paid and closed, yet it is still being reported as negative on my credit report. Despite completing the dispute process, Experian has not corrected the information. The account should reflect as paid and closed with no negative status. 

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$390.00} Terms -

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 2025-02-19 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I have XXXX hard inquires, on my experien, gave me a XXXX XXXX. XXXX hard inquires of creditors that ran my credit with out my consent. As I looked through them I never even heard of them. Its ruining my credit with this false information. I have disputed the XXXX hard inquiries not once but twice in the pass 3 months. And still nothing.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
New CFPB Complaint ( Escalation for Proof of Ownership ) Subject : Equifaxs Failure to Provide Proof of Account Verification FCRA Violation Product : Credit reporting or other personal consumer reports Issue : Incorrect information on credit report Complaint : I previously submitted a complaint regarding fraudulent accounts on my Equifax credit report. Equifax responded by claiming that certain accounts were verified, but they failed to provide actual proof of verification, as required by 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

I am the victim of identity theft, and my personal information was used fraudulently to open accounts in my name. I have already submitted : A police report documenting the identity theft. 

An identity theft affidavit. 


Despite this, Equifax has refused to provide : Original signed account applications.

Account opening agreements.

Documents used to " verify '' the accounts.

A simple claim that the accounts are verified without proof is a clear violation of FCRA requirements. I demand full documentation of the verification process. If Equifax can not provide this, then they are legally obligated to immediately delete these fraudulent accounts.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
New CFPB Complaint ( Escalation for Proof of Ownership ) Subject : Equifaxs Failure to Provide Proof of Account Verification FCRA Violation Product : Credit reporting or other personal consumer reports Issue : Incorrect information on credit report Complaint : I previously submitted a complaint regarding fraudulent accounts on my Equifax credit report. Equifax responded by claiming that certain accounts were verified, but they failed to provide actual proof of verification, as required by 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

I am the victim of identity theft, and my personal information was used fraudulently to open accounts in my name. I have already submitted : A police report documenting the identity theft. 

An identity theft affidavit. 


Despite this, Equifax has refused to provide : Original signed account applications.

Account opening agreements.

Documents used to " verify '' the accounts.

A simple claim that the accounts are verified without proof is a clear violation of FCRA requirements. I demand full documentation of the verification process. If Equifax can not provide this, then they are legally obligated to immediately delete these fraudulent accounts.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Data Breach- Please remove all information on my credit reports. Compromised personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute the reporting of the above-referenced account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have reviewed my credit report and believe that the reporting of this account is inaccurate, incomplete, or unverifiable.

Under the FCRA, I am requesting the action : Verification of the Account If this account is accurate, please provide documented proof of the original contract, payment history, and all records related to this debt. 
XXXX XXXX XXXX XXXX : {$28000.00}

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending to formally dispute the unauthorized inquiry on my credit report. Upon reviewing my credit report, I noticed several inquiry that I did not authorize. This inquiry is negatively affecting my credit score, and I am concerned about the potential impact on my financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding the removal of fraudulently accounts with ( XXXX  XXXX account # XXXX {$5700.00} and XXXX XXXX  account # XXXX {$3000.00} ) that are reporting on my credit report stating its been VERIFIED and I want to know why! 

Despite my submission and requesting a METHOD OF VERIFICATION these accounts are continuing to report inaccurately after you claim to have verified it within 24 hours. I have reason to believe that Experian, Equifax, and Transunion failed to conduct a re-investigation which may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPB 's recent administrative processing ( File No. 2025-CFPB-0002 ) against them for similar violations. Please explain to me how your agency has " so-called '' verified these accounts? How did you verify it? Who did you talk to in the creditors office, did you send them a copy of my findings along with my FTC report number XXXX, how did you sent it to them, did you fax, mail it, use the same mailing address and/or telephone number listed on the credit report that I have.. what did you do? And furthermore, what steps did the agency take to ensue the creditor actually investigated my dispute rather that just fraudulently tell you that its been verified. The FCRA says that you have to tell me within the required timeframe if I ask. So no more generic response I am asking for SPECIFICS on exactly how your agency actually verified these accounts that erroneously reporting on my credit report. If you can not provide it then shame on you because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable! I am requesting a METHOD OF VERIFICATION. Be aware that I am making a final attempt to have you clear up this matter. XXXX XXXX and XXXX XXXX  represents a very serious error in your reporting as these are fraudulent accounts that I never opened nor gave my consent to. I'm maintaining a careful records of my communication with you and request that the CFPB take action to ensure Experian, Equifax, and Transunion complies 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company 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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX-XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief