vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
This letter is a formal dispute and request for immediate action regarding a XXXX late payment reported by XXXX XXXX XXXXXXXX that is reflected inaccurately on my credit report. Despite multiple phone conversations with XXXX  XXXX XXXX, where I informed them that the check had been mailed by my credit union to cover the full balance, the issue remains unresolved. 

I initially mailed the check through my credit union on time. When no resolution occurred, I contacted XXXX XXXX XXXX several more times and was advised to follow up. My credit union has now mailed the check for the second time to ensure full payment, yet the late mark continues to impact my report and my credit score has dropped XXXX points. 

I have also provided documented proof from my credit union showing the check that was mailed to XXXX  XXXX XXXX. This proves my intent and timely action to resolve the balance, and it further supports that this late payment should never have been reported. 

Let it be noted that XXXX  XXXX XXXX refunding me my late fee back, which shows that they are aware of the mistake. 

This situation is a violation of : * * 15 U.S. Code 1681e ( b ) * * Accuracy of report : " 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. '' * * 15 U.S. Code 1681i ( 5 ) * * Treatment of inaccurate or unverifiable information : " If, after any reinvestigation, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item from the consumers file or modify it as appropriate. '' Based on these laws, I am requesting that this inaccurate and unverifiable late payment be removed immediately from my credit report. This item is unjust, unverified, and incomplete, and it is causing significant harm to my creditworthiness. 

Please take prompt action to remove this item as required by law. 
XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have an account with chime banking I have a checking and a credit builder card. My account was closed with no understanding why. Was not notified it was being closed. I put money on there to pay a bill they closed it with the money in the account I can not get it for 30 days. I called customer service was transferred to the higher representative. Name XXXX would not give me employee number, anything else. Would not explain why my account was closed what the non compliance policy meant. Or what it was. And most important, no explanation to why my account was closed at all. I followed the rules used it the right way for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 am writing to formally dispute a fraudulent account that has appeared on my credit report. I did not authorize this account, nor have I ever had any involvement with it. Its presence on my report is inaccurate and deeply concerning.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Carrington. 
Please find this dispute as This is a Notice of Error. 
Once again XXXX brings to your attention as of todays date XX/XX/year> the XXXX property taxes at XXXX XXXX XXXX XXXX XXXX NJ XXXX have not been paid by Carrington to XXXX XXXX NJ through Escrow account as required. Late fee Intetest continues to accumulate daily. This is another RESPA Violation by Carrington that has caused XXXX financial harm and stress. We demand a full explanation why the XXXX property tax have not been paid as of today, how this serious issue will be rectified and a full accounting of the entire account, including the monthly statement balance being lowered by Carrington on the XX/XX/year> Statement, which was another RESPA violation, as the amount due was over {$8000.00} higher on each monthly statement since XX/XX/year>. We will wait to hear back from you regarding this NOE and expect a full explanation and a Settlement for all RESPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-23 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: FL

Complaint narrative:
This account is being updated monthly as derogatory. The account has been deemed charged off, profit and loss write off which was reported to the Internal Revenue Service as of XX/XX/year>2023. Inaccurately updating an account monthly that has been deemed profit loss violates the Fair Credit Reporting Act 15 USC 1681 S 2 because the information is inaccurate and the CRA was made aware of that. 

XXXX ACCOUNT NUMBER XXXXXXXX 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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX ( operating as Cash App ) due to its failure to take appropriate action or provide a satisfactory response regarding a series of fraudulent cryptocurrency transactions processed through its platform. Despite submitting a detailed complaint to Cash Apps legal and compliance team on XX/XX/XXXX, I have yet to receive a meaningful response or resolution. 
Nature of the Complaint Between XX/XX/XXXX and XX/XX/XXXX, I fell victim to a complex online job scam, which led me to make multiple payments in XXXX using Cash App. These transactions were initiated under false pretenses and ultimately resulted in significant financial loss. 
Through independent blockchain tracing, I have confirmed that several of the fraudulent transactions I made were funneled into Cash Applinked wallet addresses, including : XXXX XXXX XXXX These wallets received proceeds from the fraudulent scheme, and I provided Cash App with full transaction records and blockchain evidence, including transaction IDs and wallet mapping that clearly demonstrate the path of funds to their platform. 
Despite this, Cash App has failed to : Launch or communicate any internal investigation ; Freeze or report the implicated wallets ; Provide restitution or assistance ; Comply with its obligations under applicable financial and consumer protection laws. 
Regulatory Violations and Concerns As a regulated Money Services Business ( MSB ), XXXX XXXX is subject to : The Bank Secrecy Act ( 31 U.S.C. 5311 ) requiring robust AML policies and Suspicious Activity Report ( SAR ) filing ; XXXX Guidance XXXX recognizing Cash App as a Money Transmitter XXXX to federal obligations ; Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) protecting consumers from unauthorized digital fund transfers ; FTC Act ( 15 U.S.C. 45 ) prohibiting unfair and deceptive practices, including neglecting to act against fraud ; Anti-Money Laundering statutes ( 18 U.S.C. 1956 & 1957 ) prohibiting facilitation of criminally derived funds. 
The evidence I submitted to Cash App clearly indicated a pattern of criminal activity facilitated via their platform. Their non-response and inaction reflect a serious failure of oversight, compliance, and consumer duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report a charge-off from XXXX XXXX XXXXXXXX despite a dispute sent on XX/XX/year>. 

This account is not appearing on XXXX XXXX XXXX  and no documentation has been provided to support its accuracy or completeness.

TransUnion is in violation of : 1681e ( b ) : Lack of maximum possible accuracy 1681i ( a ) : No documented reinvestigation 1681c-2 : I assert my right to have unverifiable information blocked within 4 business days

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 2025-07-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00}

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 2025-07-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 SEE ATTACH FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am resending this complaint to EXPERIAN regarding the continuous reported inaccurate, unverifiable, and misleading information and accounts to my personal credit report that is still certifiably compliant, proven valid, or documented as fully true and physically verified. 

I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I had a student loan from XXXX  with great lakes. It eventually was sold to NelNet without my knowledge. I began getting emails and created an account to start paying it back once i realized it was not spam email and affecting my credit. 

I caught up on all payments, and I have over paid the minimum due. Yet it is consistenly negativally effecting my credit score. No matter how much I pay, the balance goes up. And it seems as though every time I log in, thereis a different ammount owed. 

This is ruining my credit and life. It seems like they do not have an accurate record of what is owed. 
It is effecting my credit dropping it XXXX points at a time, for an " {$8.00} loan increase '' when i have paid hundreds on it. 
This makes NO SENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts XXXX contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$940.00} XXXX request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

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 2025-07-23 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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