vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I am submitting this dispute to formally request the removal of the account associated with XXXX XXXX XXXX acct # XXXX from my credit report. 

The reason for this request is that I am currently involved in a federal lawsuit against XXXX ( case pending ), alleging violations of federal consumer protection laws, including but not limited to provisions under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.. 

As the matter is actively being litigated in federal court, the accuracy and legal validity of the reported debt are under judicial review. Reporting this account while a legitimate legal dispute is ongoing constitutes potential harm and may result in inaccurate or misleading credit informationboth of which are prohibited under 15 U.S.C. 1681e ( b ), which requires that furnishers and credit reporting agencies ensure maximum possible accuracy.

Additionally, continuing to report this account without noting the disputed and litigated status could be viewed as a violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ), which requires furnishers to notify credit reporting agencies of disputed information.

Because the account is under federal dispute and the outcome may determine the legality or validity of the debt, I am requesting that the CFPB intervene to ensure that my rights under the FCRA are protected and that XXXX : 1. Removes the account from my credit report during litigation I am including documentation as proof of my ongoing litigation ( court docket or complaint, if needed ), and I respectfully request that this dispute be investigated with the seriousness warranted by its federal nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent information from my credit report. I am a victim of identity theft, and several accounts and inquiries listed on my credit report are not authorized by me and were opened without my consent. These entries are inaccurate and do not pertain to me in any way. 

In compliance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request that you block and remove all unauthorized accounts and inquiries from my credit file. Enclosed with this letter, you will find a detailed list of the disputed items, along with a copy of the Identity Theft Report I filed with the Federal Trade Commission ( FTC ) for your reference. 

Please take the necessary steps to promptly investigate and remove these fraudulent entries from my credit report. I would appreciate written confirmation once these corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Upon checking my credit report, I noticed an account is listed twice for the same creditor. ( Navy Federal Credit Union ) I don't recognize this account, and I don't recall establishing a business relationship with them, therefore under 15 U.S.C 1692g ( b ) I am formally requesting full validation of this alleged debt. This means I am requesting, not a simple statement or printout, but actual documentation that proves the validity of this debt : A copy of the original signed contract with my wet ink signature. Proof of ownership : A fully executed Assignment Agreement proving that you were legally assigned this debt. The full chain of custody of the account showing every entity that has owned, sold, or transferred this alleged debt. Your company license to collect in my state of South Carolina. Verification of how this account complies with all federal, state, and local lending and collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash as closed my account that I have had for over 2 years! They said due to fraudulent activity i have had a business account with them for over one year + and I changed it back to a personal account. Once I did that. They closed my account completely. I have another company I am working with now for my business account so no longer needed to have cash app as a business account. I am very upset because I do not do anything illegal and never have. I am very sad, because I truly liked cash app but I dont like the way they discriminated against me and now are causing me to have loss wages, deformation of character, discrimination, pain and suffering, XXXX, deprivation of my rights and so forth. I would like to contact an attorney as well because this is ridiculous. Account was closed XX/XX/year>. They would not even provide me any proof or explanation for why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-26 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: NC

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-26 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: IL

Complaint narrative:
I submitted a complaint to XXXX XXXX  a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-06-26 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:
XXXX'This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. Legal Grounds for Immediate Deletion: Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data: 15 U.S. Code  1681c2: I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 12 CFR Part 1022, Subpart H: You are legally required to delete fraudulent information from my credit file within four (4) business days of receiving notice. 15 U.S. Code  1681a(2)(B): Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 15 U.S. Code  1692j: Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. Demand for Immediate Action: Let me be absolutely clear: These accounts are fraudulent. Your continued reporting of them is reckless and potentially unlawful. I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. Any collection efforts tied to these accounts must cease and desist without delay. BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP: 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

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, Please help me to resolve the problem I have below : The problem start with the company called XXXX. On Wed, XX/XX/XXXXXXXX  I returned a product to this store located inside XXXX XXXX and canceled the purchase after realized they charged 50 % interest on the product. However, this company took the money paid from XXXX company for the product that still in their store. I currently do not have possession of the product. XXXX  then send and report me to Experian that I have late pay. This has caused my credit report fall from the XXXX ish to XXXX. 
I do have a text message from the store ( her name is XXXX ), where I returned the product to, to prove that I am not the one responsible for the payment. XXXX should be after the store, XXXX  and speak to XXXX, instead of me. It's not fair for me to have to pay {$5000.00} + XXXX interest that XXXX will cost me for the product. I am not willing to pay for something I do not have but when I sent the dispute request to Experian ( I had to open the case twice ), but Experian still favor XXXX, the company that report me Why does Experian allowed people to lie? This is my life as I am trying to keep my report as clean as I can. Please help me to fix the situation because it's not fair at all and I don't where to go. Thank you very much for all your help and XXXX bless you 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 2025-06-26 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: CA

Complaint narrative:
I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report. These items are not mine and I request that they be removed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

Attached are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). I ask that you investigate these items and remove them from my credit file as soon as possible. 

Please confirm in writing once the corrections have been made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: RI

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 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 2025-06-26 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: RI

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 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
There is no way to speak to an actual person at Mr. Cooper. Our Mortgage was recently transferred and I tried over 10 times today to call and speak to an actual person. No matter what number I pressed or options I selected I could not reach a person. If you say agentagent or representative the system hangs up on you. This load is for hundreds of XXXX as of dollars. I do not want them managing my mortgage if I cant even reach someone on the phone. I also reached out to two agents through their chat feature. Neither could give me a number to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation