vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX XXXX  XXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX XXXX  XXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX  ) and XXXX XXXX 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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX  ) and XXXX XXXX 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 2025-03-19 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: IL

Complaint narrative:
Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting and Failure to Conduct a Proper Investigation I am writing to formally file a complaint against Equifax for their inaccurate reporting of my auto loan with XXXX and their failure to conduct a fair and thorough investigation into my dispute. Despite my repeated efforts to rectify this issue, Equifax has continued to report false and misleading information regarding the status of my account. 

The details of the account are as follows : Creditor : XXXX Account Number : XXXX Original Balance : {$32000.00} Date Opened : XX/XX/year> Status : Paid, Closed/Never Late Last Payment Date : XX/XX/year> Issue : Equifax has inaccurately reported that my loan was " Paid through insurance, '' when in reality, I personally paid off this account. 

This false reporting is misleading and has the potential to negatively impact my creditworthiness. I initially disputed this with Equifax and requested that they correct the inaccuracy. However, instead of conducting a proper investigation, Equifax dismissed my claim without sufficient verification and continued to maintain the incorrect reporting. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure that the information they report is accurate and conduct a reasonable investigation when a consumer disputes an item. Their failure to do so constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
In XXXX, I changed cellular companies from XXXX XXXX XXXX XXXX XXXXXXXX. XXXX transferred XXXX  of the XXXX  numbers to XXXX. I contacted XXXX XXXX XXXX on XXXX as well to discontinue the last line of service. Again in XXXX, I contacted XXXX XXXX XXXX  when I received a notice concerning a fee of XXXX XXXX on the line described above. XXXX XXXX XXXX admitted that the line should have been discontinued in XXXX and stated they would credit the account to a XXXX balance. I received no further information or contact from XXXX XXXX XXXX. On XXXX, I received a credit alert of Credence Resource Management collection on my credit file. I called and determined it was the the {$64.00} from XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXXgain and after an extended search revealed that XXXX XXXX XXXX credited my fiber account and not the wireless account. Although XXXX XXXX XXXX admitted via phone that they committed an error, there was nothing that they could do to reverse the damage because the account closed at the time it was sent to collections. I called Credence and explained this to them and asked why I was not notified via mail and allowed to dispute the collection. I was told they sent an email to XXXX which I do not use! The credit company stated they called and on several dates and quoted that I said not call back. IT MUST BE NOTED THAT AT NO TIME DID I RECEIVE A CALL WHERE ANYONE IDENTIFIED THEMSELVES AS A DEBT COLLECTOR. If I did say what they said, that's a usual response to the countless spam calls I receive daily. IF THEY HAD IDENTIFIED THEMSELVES AS A DEBT COLLECTOR - this whole situation would been have been corrected or disputed at that time. Again, the debt collector admits they did not send a mailing, only an email in which they can not verify I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion, along with the following data furnishers, for their continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) 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  ) Despite multiple disputes and supporting documentation, the credit bureaus have failed to lawfully investigate and correct these inaccuracies. Instead, I have received stall letters that do not address the substance of my disputes, violating my consumer rights under federal law.

The following statutes have been repeatedly violated : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Prohibits the reporting of information that is known to be inaccurate. These furnishers have reported false and unverifiable data in direct violation of this law.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requires a proper reinvestigation of disputed information. The bureaus have instead issued generic responses without conducting a legitimate investigation.

15 U.S. Code 1692g ( a ) Requires that debt collectors provide validation of a debt within five days of an initial communication. These furnishers have failed to comply with this requirement.

15 U.S. Code 1692c Prohibits unauthorized third-party communication. I have not provided consent for certain debt collectors to contact me, making their communications illegal.

15 U.S. Code 1692d ( 2 ) Prohibits misleading or abusive collection practices. Some of these furnishers have misrepresented charge-offs as outstanding debts, which is an unlawful misclassification.

Additionally, charge-off accounts have been misrepresented. The IRS classifies charge-offs as gross or ordinary income, meaning they can not be pursued as an outstanding debt. IRS 2021 guidelines state that lenders must file Form 1099-C for canceled debt over {$600.00}. These accounts were charged off and reported as income, yet they continue to be listed as active collections, which is an intentional misrepresentation of financial records.

Under the FCRA, the credit bureaus are required to : Conduct a proper independent reinvestigation of disputed accounts. Provide evidence that the accounts have been verified through original documentation ( i.e., a contract with my wet-ink signature ). Remove or correct inaccurate, incomplete, or unverifiable data within 30 days ( per 15 U.S. Code 1681i ( a ) ).

Since the credit bureaus and furnishers have failed to comply, I am requesting CFPB intervention to enforce compliance and hold them accountable for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
In XXXX of this year EDD loaded funds into an account managed by XXXX XXXX  I started using the third parties money service only to have them lock my account after 4 purchases with their provided bank card.

I contacted customer support and was told to resolve the issue and I was told that due to what they thought was fraud my account had been locked and that theyd have to mail me a check. I was told that I receive a check in 5 days, when the check didnt arrive I phoned again and was told actually it would take 14 business days.

I waited, after 15 business I called back and asked for a status on the whereabouts of this money. The customer service rep told me I was going to have to wait another
10 days to receive the money. This is now 23 days after the fact, {$2800.00} is in limbo with no explanation and only more excuses and lies. This company has no business handling unemployment funds. People are struggling in this inflated economy state and hacks like this are killing the financial strength of families effected by layoffs.

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 2025-03-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: OR

Complaint narrative:
Me and my mom are XXXX and enrolled with Consumer Legal Group after getting a cold call from XXXX XXXX telling us we could resolve our credit card debts through them. This was one of the biggest mistakes as CLG does nothing but take our money every month while doing very little in return. This is money that could have been used to pay our creditors. All the while our credit has been ruined. This is a breach of contract issue with a company that is taking advantage of low-income XXXX people. I even got sued by XXXX XXXX while Consumer Legal Group did very little to represent me and did not exert much effort in negotiaiting a favorable settlement. I would have been much better off if I stopped paying my creditors alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
XXXX XXXX Balance was sent to me of {$330.00} Property was purchased by a new owner who asked me to move out and cover all existing costs. 
XXXX XXXX I presented documents to the company in regards to having this account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX XX/XX/scrub>, 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Account Information Request for Deletion/Blocking Based on 15 USC 1681b ( 2 ) Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of the information associated with the above-referenced account, which is currently being reported to the credit bureaus under my name. In accordance with my rights under 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account be blocked and deleted from my credit report.

Under the provisions of 15 USC 1681b ( 2 ), any information that is inaccurate, incomplete, or unauthorized for reporting may be disputed and removed from a consumers credit report. I believe the account in question does not meet the required criteria for reporting or may have been reported in error.

I therefore request a thorough investigation into this matter and the prompt removal of the account from my credit file to ensure that my credit report remains accurate and up to date. 

Please provide written confirmation of the results of your investigation, along with an updated copy of my credit report reflecting the deletion of this account. Should you require any additional documentation or information to facilitate the investigation, I can be reached at the contact information provided above. 

I trust that this matter will be handled expeditiously and in accordance with the timelines outlined by the FCRA. 

Thank you for your prompt attention to this issue. 


Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : 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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Accts # XXXX & XXXX non-permissible, according to regulation F and 15 USC1681e ( b ) and 15 USC 1681s-2 ( A )

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