vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing the inaccurate personal information on my Equifax credit report, which incorrectly lists my name as " XXXX XXXX '' and includes erroneous previous addresses, specifically " XXXX XXXX XXXX XXXX, MA XXXX '' and " XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, '' both with a reported date of XX/XX/year>. Additionally, my report incorrectly lists the alias " XXXX XXXX XXXX, '' which is not, and has never been, my legal name. These inaccuracies not only undermine the credibility of my credit report but also create significant barriers to accessing financial services, as many institutions rely heavily on accurate identity verification. Such errors can also expose me to increased risk of identity-related issues, especially in light of recent concerns surrounding data breaches and unauthorized data sharing. Under the FCRA, specifically 15 U.S.C. 1681 ( c ) ( 2 ), Equifax is legally obligated to ensure the maximum possible accuracy of the personal information it maintains, making this oversight a clear violation of my rights. Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's ongoing issues with inadequate investigations, further intensifying my concerns about the reliability of their data handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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, XXXX XXXX XXXX ( MO ) 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several bank errors related to billing and credit reporting have adversely affected my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to accurately report payments and credits. However, multiple discrepancies have occurred, including : Misapplied Payments : Payments I submitted were not properly recorded.

Calculation Errors : Incorrect amounts have been reported, reflecting inaccurate balances.

Violation of 21-Day Notice Requirement : I did not receive the legally mandated 21-day notice before a payment was due, rendering any late payment reporting invalid. 
These errors constitute clear violations of federal law and have unjustly damaged my credit standing. I request an immediate investigation into these inaccuracies, correction of all reported discrepancies, and removal of any negative marks resulting from these errors. 
Please provide written confirmation of the resolution within the legally required timeframe.

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 2025-05-16 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-16 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
l am filling a complaint against Cash app ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violates 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 resolutions requirements under the Electronic Fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
on XXXX as well as XXXX I attended XXXX XXXX XXXX in XXXX , NJ and received XXXX XXXX XXXX  loans later to find out this school XXXX XXXX XXXX shut down due to fraudulent practices. I was made aware of this and advised to file for a borrowers defense process and yet no one can tell me the progress only that it takes a long time. I filed this back in XXXX My XXXX XXXX are being reported as upwards of XXXX that also includes these loans and I need them to be corrected and reported as such

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
Experian Credit Reporting agency have violated my federally protected rights. This is not the 1st incident. I have a lot of inaccurate information on my credit report and I dont have access to do a dispute online its tell me that I have to call 855 number to place an dispute, I also mailed in a dispute and it was never place until I call Experian and asked did you receive my dispute and why its wasnt open when you get the documents along with my social card and driver license. So what Im saying I should have the same rights as anybody else. Experian discriminates on me and violated my civil rights as well not giving me the same opportunity as others. They made it very difficult for me to file a dispute online or by mail they violated FCRA Fair Credit Reporting Act rules and regulations .. 15 USC 1681 I been verified through the questions every time I call and passed the verification process.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
as of XX/XX/year>, I filed a report on Experien website regarding incorrect information on account as of today they have gone to report another inaccuracy that I have not paid a {$7.00} fee and late XXXX after failing to conduct proper investigation with the business, and have reduced my credit score to XXXX. We would be heading towards a legal dispute at this point.

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 2025-05-16 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: TX

Complaint narrative:
Several bank errors related to billing and credit reporting have adversely affected my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to accurately report payments and credits. However, multiple discrepancies have occurred, including : Misapplied Payments : Payments I submitted were not properly recorded.

Calculation Errors : Incorrect amounts have been reported, reflecting inaccurate balances.

Violation of 21-Day Notice Requirement : I did not receive the legally mandated 21-day notice before a payment was due, rendering any late payment reporting invalid.

These errors constitute clear violations of federal law and have unjustly damaged my credit standing. I request an immediate investigation into these inaccuracies, correction of all reported discrepancies, and removal of any negative marks resulting from these errors.

Please provide written confirmation of the resolution within the legally required timeframe.

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 2025-05-16 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and used my information to get 2 cars and some other things. Ive never gave anyone permission or authorization to open these accounts. Inquiries are as follows. 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 non-monetary relief
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
My loan I paid it off.but credit bureaus show incorrect negative information on reports

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 2025-05-16 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: NC

Complaint narrative:
My loan I paid it off.but credit bureaus show incorrect negative information on reports

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 2025-05-16 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: NC

Complaint narrative:
My loan I paid it off.but credit bureaus show incorrect negative information on reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CT

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-16 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-16 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION has violated my rights. 

EQUIFAX has violated my rights. 

EXPERIAN has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/scrub>/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Late payments have been re inserted into credit report after being deleted. This acocunt has been disputed multiple times with both the CRA and the original creditor. 
I have a letter from the original creditor admitting the lates are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
This mark of a late payment is incorrect and fails to correspond to my realistic payment record. I've been aware to pay on time, and I'd need an update to make sure my records are accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I notified Chase of a fraudulent charge of {$330.00} to XXXX XXXX XXXX on my debit card that occurred on XX/XX/year> on the day after it occurred. They initiated an investigation and reversed the charge on XX/XX/year>. On XX/XX/year>, they concluded that the charge was valid and deducted the funds from my checking account. 

I contacted them to investigate their findings and all they were authorized to tell me over the phone was that they did conclude the validity of the purchase. They also said they could send me the results via USPS, which I did request. Upon receipt, I reviewed their documentation which included the IP address where the online purchase was made. I used several IP address locators to find the physical address of the purchase location. These locators identified the location to be in XXXX XXXX which matches their findings noted on page five of my included supporting documentation.

I made an appointment with my local Chase branch in which I detailed my findings and presented the included supporting documents. When questioned, I did confirm that I did not make the purchase, I did not provide my physical card and PIN or provide the card number and PIN to anyone. I also expressed my concern that the purchase of jewelry ( p. 3 ) from a store that is described as selling a wide range of pet essentials ( p. 5 ) and the fact that the products descriptions were written in XXXX was highly suspicious. The Chase representative faxed the documentation to their claims department and spoke with them to explain the situation on my behalf. Included in my documents is a printout of my clock in & clock out times for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. Please note that I work 12-hour shifts and have a commute time to and from work of 1.5 hours which makes it impossible for me to have made a purchase from the location in XXXX XXXX 

As a result of my in-person appointment, Chase reopened the case. When I followed up with their claims department, they stated that their conclusion after the local Chase representative had faxed my supporting documents was the same and would not reverse the fraudulent charge. 

This is a description of my supporting documents. 
p. 1 : Initial Chase correspondence stating their findings of a valid purchase pp. 2-6 : Chase documentation supporting their findings of a valid purchase p. 7 : My clock in/out times with my immediate supervisors contact information pp. 8-11 : IP locator results from IP address provided in Chase documentation p. 12 : XXXX XXXX XXXX of longitudinal and latitudinal data from XXXX XXXX results p. 13 : Street view of physical location from data in p. 12 p. 14 : Product Description Translation from p. 3

Company response to consumer: Closed with monetary relief