vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
Inaccurate information is reporting on both my Transunion and Experian consumer report. An account from the same company showing two different amounts. I requested this information be investigated and deleted from my consumer report numerous times. Neither company has responded or completed the investigation. Transunion recently sent me a copy of my consumer report, but that has been the only communication I have received. Sending a copy of my consumer report did not address the discrepancy. I have not received any communication from Experian regarding the inaccurate derogatory account.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are NOT reporting accurately According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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 2025-03-09 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: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-09 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: NV

Complaint narrative:
I am disputing a late payment that appears on my credit report, which I believe is incorrect. 

The account belongs to XXXX. 
The reported late payment date is XX/XX/year>2022 and XX/XX/year>2022 I have attempted to resolve this with the creditor and the credit bureaus, but they have not corrected the error.

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 2025-03-09 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: NV

Complaint narrative:
I am disputing a late payment that appears on my credit report, which I believe is incorrect. 

The account belongs to XXXX. 
The reported late payment date is XX/XX/year>2022 and XX/XX/year>2022 I have attempted to resolve this with the creditor and the credit bureaus, but they have not corrected the error.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX and XXXX XXXX Phys Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$950.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report I am writing to formally dispute inaccurate information that remains on my credit report, despite previous attempts to have it corrected. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for similar issues, including failing to properly investigate disputes and report accurate information. I am experiencing the same violations, which negatively impact my credit profile and financial well-being. 

I request that you : Conduct a proper investigation in compliance with federal law. 
Remove or correct the inaccurate information immediately. 
Provide me with a written confirmation of the changes or an explanation if the information is not updated. 

Failure to properly investigate and correct these errors may result in legal action, as evidenced by the CFPBs lawsuit. Please complete this investigation within the 30-day timeframe required by the FCRA.

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide a response to the address listed above.

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
i emailed zwicker at there maligation email an to XXXX XXXX XXXX who is always rude to me in email. i let them know about the account being fraudent. i send the complicent i made over. they continue to want to take me to court for an account thats not mine because they wont talk to discover about dismissing a case for fraud seeings it not mine an seeing i can never work again an only get ssi an i will at some point need my XXXX XXXX im tired or aruging with them an discovery it needs to end this is XXXX  harrassment knowing i can XXXX XXXX without being in alot of pain but they still want to take me to court because they want money money money thay i dont owe an i only get ssi an they need to talk to discovery to send in the paper work to get this dismissed with the courts so i dont need to keep going each year! its so painful on my XXXX  an this company has sent over the same info before when i made a complant but they are very rude an could careless unless your paying them an even told me to pay using my ssi so it would be done an over with when the accounts not mine im so tired of this mess

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've complained several times about these unverified companies erroneously reporting my my credit report. Please remove them all immediately!

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 2025-03-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've complained several times about these unverified companies erroneously reporting my my credit report. Please remove them all immediately!

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 2025-03-09 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Identity Theft Request to Block Fraudulent Information and Update Personal Details Complainant Information : Full Legal Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX FTC Identity Theft Report Number : XXXX Law Enforcement Report : XXXX Complaint Details : I am filing this complaint to report identity theft and the failure of the credit reporting agencies to remove fraudulent information from my credit report. I have been unable to access my credit profile, and unauthorized accounts have been opened in my name. Despite multiple attempts to correct my personal information and request fraud alerts, the credit bureaus and data furnishers have not complied with federal regulations. 

Issues Reported : Failure to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2, I submitted a request to block fraudulent accounts, yet they remain on my credit report. 
My identity was compromised due to multiple data breaches, and fraudulent accounts were opened without my consent. 
Failure to Provide Method of Verification As per 15 U.S.C. 1681i ( a ) ( 6 ), I requested the method of verification for disputed accounts, but no response was provided. 
The credit bureaus have failed to verify the accuracy of disputed information. 
Failure to Update Personal Information Full Legal Name : My legal name should be listed as XXXX XXXX only. 
Address : Only my current address ( XXXX XXXX XXXX, XXXX, GA XXXX ) should be listed ; all outdated addresses must be removed. 
Phone Numbers : All phone numbers listed must be removed as they are outdated. 
Social Security Number & Date of Birth : My SSN and DOB should not be displayed on my credit report. 
Employer Information : All employer details should be removed as they are inaccurate. 
Failure to Safeguard Personal Data I was a victim of the Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) data breaches, which compromised my personal information. 
The credit bureaus failed to take proper steps to protect my data in violation of 15 U.S.C. 1681b ( g ).

Failure of Data Furnishers to Ensure Accuracy Under 15 U.S.C. 1681s-2, data furnishers are required to report only accurate information, yet fraudulent and incorrect data remain on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WA

Complaint narrative:
Like I said, there was fraudulent activity going on when I had lost my phone they claim that I was in possession of my phone, which I was not, and I clearly stated to them, but somehow they decided that I was and pretty much declined. Anything I had to say And now I made a claim with my bank and they are doing an investigation on it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
Im asking this company to assist with an incorrect billing issue. I reached out to XXXX and XXXX XXXX both parties were on the phone ( XX/XX/XXXX ). They were supposed to contact me back ( XX/XX/XXXX ) but they didnt. I attempted to dispute this with cash app. I wasnt allowed to. XXXX bundle is either {$10.00} or {$15.00}. I was charged XX/XX/XXXX for {$12.00} ( which isnt a bundle deal offered on their platform ). I was also charged {$1.00} because I logged into a tv within my home. After this my subscription was cancelled and I was notified a month later. This was a billing error. Ive done this before and wasnt charged incorrectly or multiple times on a different television. On XX/XX/XXXX I was charged for a XXXX subscription that I technically never had. This was all done on the app itself on the tv. XXXX sets those partnerships and totally denied receiving anything from my account. I reached out and followed each policy/steps to disputing the transactions. I requested a refund in the difference of the dollar amount of the actual bundle I have with the company ( XXXX ). I also, reached out to a live agent with XXXX on XX/XX/XXXX. I gave them my information for verification purposes and I was informed that my account didnt exist by the agent. All while being logged into the account. I provided attachments of dates, conversations and amounts. The company isnt following their policy. I do not have control of what is being taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: LA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-03-09 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-03-09 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent. The date was XXXX XXXX and the companies are listed below. 
Jpmcb Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Transunion is a huge company that receives billions of dollars as a semi-free market company with near monopolistic and noncompetitive advantages and authorities. For justifying this massive uncompetitive standing and lack of oversight from any competitors Transunion needs to justify the billions they receive by addressing the needs of regular individuals in a timely manner. This falsely reporting information is having a massively destructive effect on me and 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 2025-03-09 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: EQUIFAX, INC.
State: OH

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