vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXSOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXXSubject: Urgent Request for Removal of Fraudulent Accounts Within 7 DaysXXXXTo Whom It May Concern,XXXXI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX  credit file. These accounts were opened without my knowledge or authorization and are the result of identity theftXXXXThe following accounts are fraudulent and must be removed from my credit report immediatelyXXXX 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(Include additional accounts as neededXXXXI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.XXXXI have enclosed copies of the following documents to support my claim:XXXXA copy of my government-issued identificationXXXXProof of my current addressXXXXA copy of the police report and/or identity theft affidavitXXXXAny relevant documentation proving the accounts are fraudulentXXXXPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authoritiesXXXXThank you for your prompt attention to this urgent matter.XXXXSincerely,XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
Formal Dispute XXXXXXXX XXXX XXXXXXXX Account Number : XXXX To Whom It May Concern, I am submitting this formal dispute regarding the account reported by XXXX XXXX  XXXX, as it contains multiple reporting errors that violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Errors Identified in the Report : 1. Inconsistent Reporting of Charged Off and Past Due The account is marked as Charged Off, which by definition means the creditor has written off the debt internally and has ceased collection efforts.

However, the report simultaneously reflects a Past Due Amount of {$1500.00}, which is contradictory.

According to Metro 2 guidelines, a charged-off account should not continue to report as past due, since the delinquency ends at the point of charge-off.

2. Account Updated Recently Despite Being Closed Years Ago The account was closed in XX/XX/XXXX, yet the balance was updated in XX/XX/XXXX. 
This continued reporting, despite no collection activity or ownership transfer, causes unfair and outdated damage to my credit profile. 

3. No Indication of Sale or Active Collection Company Sold is blank, and no collection agency is listed, which means XXXX XXXX  still owns the account. 
Despite this, the bank is not actively pursuing collection but continues to report the account as if it were delinquent, which is misleading. 

4. No Explanation or Comments Provided The Comments section is blank, offering no clarification as to why this balance remains reported or what action ( if any ) is being taken.

Requested Resolution : I request the following immediate corrective actions : 1. Full deletion of this account from my credit report due to inaccurate and contradictory reporting. 
2. If deletion is not possible, I request : Removal of the past due amount ( {$1500.00} ) Setting the balance to {$0.00} Accurate classification as charged off and closed with no ongoing delinquency 3. Full verification documentation including : The original signed contract Detailed payment history Legal basis for the continued reporting of a delinquent balance on a charged-off account If I do not receive a proper resolution within 30 days, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for violations of federal law and damage to my creditworthiness.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-05-18 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: NY

Complaint narrative:
Formal Dispute XXXXXXXX XXXX XXXXXXXX Account Number : XXXX To Whom It May Concern, I am submitting this formal dispute regarding the account reported by XXXX XXXX  XXXX, as it contains multiple reporting errors that violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Errors Identified in the Report : 1. Inconsistent Reporting of Charged Off and Past Due The account is marked as Charged Off, which by definition means the creditor has written off the debt internally and has ceased collection efforts.

However, the report simultaneously reflects a Past Due Amount of {$1500.00}, which is contradictory.

According to Metro 2 guidelines, a charged-off account should not continue to report as past due, since the delinquency ends at the point of charge-off.

2. Account Updated Recently Despite Being Closed Years Ago The account was closed in XX/XX/XXXX, yet the balance was updated in XX/XX/XXXX. 
This continued reporting, despite no collection activity or ownership transfer, causes unfair and outdated damage to my credit profile. 

3. No Indication of Sale or Active Collection Company Sold is blank, and no collection agency is listed, which means XXXX XXXX  still owns the account. 
Despite this, the bank is not actively pursuing collection but continues to report the account as if it were delinquent, which is misleading. 

4. No Explanation or Comments Provided The Comments section is blank, offering no clarification as to why this balance remains reported or what action ( if any ) is being taken.

Requested Resolution : I request the following immediate corrective actions : 1. Full deletion of this account from my credit report due to inaccurate and contradictory reporting. 
2. If deletion is not possible, I request : Removal of the past due amount ( {$1500.00} ) Setting the balance to {$0.00} Accurate classification as charged off and closed with no ongoing delinquency 3. Full verification documentation including : The original signed contract Detailed payment history Legal basis for the continued reporting of a delinquent balance on a charged-off account If I do not receive a proper resolution within 30 days, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for violations of federal law and damage to my creditworthiness.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute of Reinserted Charge-Off Auto Loan Account # XXXX Dear Sir/Madam I am writing to formally dispute the reinsertion of a charged-off auto loan account ( Account # XXXX ) that had previously been removed from my credit report. The reinsertion of this account is inaccurate and in violation of both the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) principles governing secured transactions. 

According to FCRA Section 611 ( a ) ( 5 ) ( B ), if a credit bureau reinserts a previously deleted item, it is required to notify the consumer in writing within five business days of the reinsertion. I did not receive any such notification.

Furthermore, under the Uniform Commercial Code ( UCC ) Article 9, particularly UCC 9-610 through 9-625, there are clear legal requirements for how secured parties must dispose of collateral, provide notice, and handle deficiencies. If the collateral ( the vehicle ) was repossessed and sold, I request documentation proving the proper commercial reasonableness of the sale and a full accounting of how the deficiency balance was calculated. Without this, the charge-off amount is unsubstantiated and potentially invalid.

Additionally, I request : 1. Verification of the debt, including a copy of the original signed contract, itemized payment history, and a full explanation of how the charge-off amount was determined.

2. A copy of the notice of reinsertion, as required under FCRA.

3. Documentation of the lien release or title transfer, if applicable.

4. Any UCC financing statements filed in connection with the auto loan. 

If this information can not be provided within 30 days per the FCRA, I request that the reinsertion be permanently removed and the account be reported accurately or deleted altogether. 

Please investigate this matter and respond in writing. I am exercising my rights under the FCRA ( 15 U.S.C. 1681i ) and UCC Article 9, and I expect full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND 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 AND XXXX. 

Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXXI am submitting this complaint to report unauthorized transactions on my Cash App account ( Dates 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX) totaling $XXXX These transactions were not initiated or approved by me, and I have already submitted a claim through the Cash App Security Settlement process. However, my claim was deemed deficient despite having provided clearly documented evidence, including transaction IDs, dates, and screenshots.XXXXI am requesting your urgent review and intervention, as the current settlement response does not reflect the actual monetary loss sustained. These losses directly impacted my financial stability, and my attempt to resolve the matter through the platforms resolution process has been unsuccessful. I believe I have provided adequate and verifiable documentationXXXXI am seeking full reimbursement for the losses and support in ensuring that financial platforms like Cash App are held accountable for proper investigation and restitution practices.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Between XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Equifax reported that a CLOSED account ending in XXXX from the XXXX XXXX had a missed payment. I called Equifax to ask why they are reporting missed payments on a closed account and they said that the account is not closed in their system. I explained to them how this was not correct and I filed a dispute over the phone with Equifax. Equifax closed the dispute within 2 days marking it complete. This dropped my credit score XXXX points. I contacted XXXX XXXX on XX/XX/XXXX to verify that the account is closed and that it should not be reporting missed or late payments. This phone call was recorded and I have audio transcript proof that these reportings are inaccurate. Another dispute was submitted through Equifax on XX/XX/XXXX. Equifax has failed to properly investigate my disputes and fix the inaccurate reportings on my credit. This violates my consumer rights and deems a more thorough investigation by the CFPB. If Equifax can not remove these innaccurate reportings, then a lawsuit will be pursued for the following FCRA violations ; inaccurate information and failure to investigate disputes. These inaccurate reportings are affecting my ability to secure housing and needs to be remedied immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was not a third-party company. I filled out the complaint myself. 
Subject : FINAL NOTICE Willful Noncompliance under FCRA 616 Immediate Removal Demanded To Whom It May Concern, This letter serves as my third and final formal dispute regarding the continued, unlawful reporting of the following account on my XXXX  credit reports : Disputed Account Information : * Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} * Date Opened : XX/XX/XXXXXXXX  ( XXXX  )/ XX/XX/XXXX ( Equifax  ) * Last Verified : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( Equifax  ) * Original Creditor : XXXX XXXX XXXX * Status : Collection/Chargeoff * Only reported by : XXXX  and Equifax Not reported by XXXX  Despite two prior formal disputes and a complaint submitted to the Federal Trade Commission ( FTC ) , this derogatory collection account continues to appear on my reports. Neither XXXX  nor Equifax has provided : * Any original contract or signature linking me to this alleged debt * A legally valid debt validation or itemized proof of obligation * Documentation proving assignment from the original creditor * Permissible purpose as required under FCRA 604 By maintaining this derogatory and unverified item on my report after formal notice, your agencies are in willful violation of FCRA 616, which holds data furnishers and credit bureaus legally liable for knowingly reporting inaccurate or unverified data. Furthermore, this account is completely missing from my XXXX  report, which raises further doubts as to its validity and substantiates the lack of uniformity and procedural reliability in your reporting practices. Legal Notice : If this account is not permanently deleted from both XXXX  and Equifax credit reports within five ( 5 ) calendar days of your receipt of this letter, I will have no choice but to initiate legal proceedings without further notice. Actions include but are not limited to : * Filing a federal lawsuit for willful noncompliance under FCRA 616 and 617 * Seeking punitive damages, actual damages, and attorneys fees * Filing additional complaints with the State Attorney General You have had more than sufficient opportunity to address this dispute. Continuing to report this information without proper documentation reflects deliberate negligence and malice toward my consumer rights. I expect a written confirmation of deletion within five ( 5 ) days. Failure to comply will result in legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2022

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC

Complaint narrative:
Subject : Complaint Against RIA Money Transfer for Incorrect Flagging of Recipient Profile Dear CFPB, I am filing a complaint against RIA Money Transfer regarding a recent transaction sent to me as the recipient. RIA incorrectly flagged my recipient profile as suspicious, which caused an unjustified delay in receiving funds sent from the XXXX to XXXX. 

Although RIA blamed the recipients bank for the issue, the actual source of the flag was RIAs internal system. This false flagging led to significant inconvenience, stress, and delay. 

I request the CFPB investigate this matter and urge RIA to improve its verification process and communication to prevent such incidents in the future. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXDOB XXXXSOCIAL SECURITY #XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXExperianXXXX XXXX XXXX XXXX XXXXSubject: Urgent Request for Removal of Fraudulent Accounts Within 7 Days\n\nTo Whom It May Concern,XXXXI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX  credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediately: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(Include additional accounts as needed)XXXXI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.XXXXI have enclosed copies of the following documents to support my claim:XXXXA copy of my government-issued identificationXXXXProof of my current addressXXXXA copy of the police report and/or identity theft affidavitXXXXAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capitalone never gave me any information other then there were 3 quicksilver one cards/accounts in my name and they determined 2 were fraudulent but found 1 was not. 1 card ending in XXXX, when i pressed for more information i was told that the card bought a bunch of gift cards at XXXXXXXX XXXX XXXXXXXX in XXXX, ohio for {$530.00} at the store itself. i live in XXXX, texas and have lived here all my life and i am XXXX and have not traveled out of XXXX, texas since XXXX i was also told i was responsible for the bill.

Company response to consumer: Closed with explanation