vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: OH

Complaint narrative:
XX/XX/XXXX NONE OF THESE ADDRESSES IS TIED TO ANY OF MY PROFILES. THESE ARE NOT MY ACCOUNTS AND I DEMAND THESE 3 CREDIT BUREAUS REMOVE THE FOLLOWING ILLEGAL INFORMATION ON MY REPORT. IF NOT REMOVED FURTHER ACTION WILL BE TAKEN AGAINST THE CREDIT BUREAUS FOR REPORTING SUCH INFORMATION/ Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} Date Opened XX/XX/XXXX XXXX XXXX Bank XXXX XXXX {$740.00} Date Opened XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX -Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-10 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 dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX -Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I PREVIOUSLY DISPUTED CREDIT INQUIRIES ONLY FROM MY CREDIT PROFILE WITH THE CREDIT BUREAUS. THERE WAS INFORMATION ( INQUIRIES ONLY ) THAT I DID NOT RECOGNIZE OR I DO NOT HAVE A CREDIT RELATIONSHIP WITH. I PREVIOUSLY DISPUTED THE INFORMATION BELOW WITH THE CREDIT BUREAUS BUT THEY FAILED TO RESPOND OR REMOVE THE INFORMATION SO I FILED A CLAIM. TRANSUINION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. PLEASE HELP ME REMOVE THIS INFORMATION REPORTING THAT IS HURTING MY CREDIT PROFILE AND RIGHT TO PRIVACY.

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 2025-04-11 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.Account : XXXX XXXX with account # XXXX XXXX, {$1200.00}.

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 2025-04-11 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: CA

Complaint narrative:
I am writing to formally dispute the unauthorized inquiries listed on my credit report. Despite my previous letter with your bureau, these inquiries remain on my credit file. 
I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
The problem that I'm having with XXXX XXXX is that they are charging me over 1,000 % interest on a {$2000.00} loan that I made and I've been paying every month about {$120.00}. The original amount was {$2000.00} and according to them I still owe over {$1800.00}. So I have paid in 9 to 10 months about {$1200.00} and if you subtract {$2000.00} minus {$1200.00} that's going to come up to about {$900.00} and it's showing that I owe {$1800.00}. I called them several times, asked for proof of how much interest I'm paying and to send it to me and they don't want to send it to me. They are telling me to just check on the app, in the app it doesn't show any explanation of how much is going to the principal balance and how much is going to interest. I called this customer service and he wasn't able to explain to me. He started talking about some fees for some type of transportation and late fees. I haven't had any late fees so they just making up bogus fees and when I asked him to send me the proof he just told me that he can not send me anything and I told him that this conversation was being recorded and I was going to find out what was going on with the government and with the CFPB and he just got nervous and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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 am submitting an FTC report for 5 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer 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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a hotel reservation on XX/XX/year> that I didnt end up taking place due to a pet situation that occurred during the check-in. The transaction was voided and the funds refunded back to my card that same moment. I called CashApp because in the past, I had received the funds right away. They told me that the transaction was still pending and that I had to wait 10 business days. Well the 10 business days has passed and my refund was not processed. When I called they said that I would have to start a dispute which would take up to 3 weeks to finalize. How is this ok? They are holding {$180.00} that belongs to me and wont transfer me to a supervisor with the excuse that there arent any live supervisors available. The email I received from a supervisor says that I have to wait 10 business days for the refund but wont fix the problem.

I have started a dispute for this transaction which per their policy would take a minimum of 10 business days to complete the investigation. One business day later, they sent me an email with a decision of denial. When I asked for documentation supporting their decision, they sent me an email with a decision letter but no documentation showing me the outcome of the investigation. My next step now is to start legal action against Cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GA

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 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 2025-04-11 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Fell behind on some of my payments. I told them I would like to not automatically take money out of my account because I was switching banks to a new one. They continued to take money from the account and over drafted the checking account to the point I lost access to my own money and the bank would not give it back. I called the lending company and they said I needed to get the bank approval to XXXX them. So I called the bank and they said no such thing. The company was supposed to honor my request and accept the new information for my new bank I was trying to set up. I fell behind and requested a payment plan option to catch up. I didn't receive it like they said they send, and they sent my account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXX The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-04-11 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -Employer - XXXX -Employer - XXXX XXXX XXXX -Incorrect Name : - XXXX XXXX XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXXEmployer - XXXXXXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank 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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
I filed a dispute with Chime on XX/XX/XXXX for an XXXX order for {$220.00} because I contracted XXXX XXXX XXXX. I told both Chime and XXXX this ( they refused to refund me, and I even showed them proof of me getting a doctor 's appointment because I got sick -- I also have an XXXX XXXX that made me even more sick. XXXX also knew about the dispute ). Chime, although I told them the same thing, and showed them proof, they denied my dispute and didn't even bother to investigate it properly. They put the case under " Goods/Services Not As Described '' and that is incorrect ( and they know it's incorrect, I talked to someone over the phone about it -- they just don't care ). This illustrates to me, that Chime is not trustworthy or reliable, and they still refuse to give me my money back

Company response to consumer: Closed with explanation