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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Original Creditor and Collection Agency are both reporting a current balance.This is a violation of my rights.Under FCRA Law 15 USC 1681i.

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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My credit file was involved in multiple data breach including XXXX XXXX XXXX XXXX, & XXXX. I would like my credit files removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On [ XX/XX/year>XXXX  ], I discovered that a fraudulent account from XXXX XXXX XXXX, which had previously been removed from all three major credit bureaus ( Experian, Equifax, TransUnion ) and XXXX, was wrongfully reinserted into my credit report. 

This account was initially disputed and successfully removed after I submitted identity theft documentation in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking and removal of fraudulent accounts upon notice of identity theft. 

However, despite compliance with federal law and confirmation of removal, XXXX XXXX XXXX and the credit bureaus have unlawfully reinserted the fraudulent account, violating : FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers responsible for ensuring accurate reporting. 
FACTA ( Fair and Accurate Credit Transactions Act ), which requires the immediate deletion of fraudulent identity theft records.

FCRA Sections 616 & 617 ( 15 U.S.C. 1681n & 1681o ), which allow for legal action and damages due to willful and negligent violations.

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: NJ

Complaint narrative:
On [ XX/XX/year>XXXX  ], I discovered that a fraudulent account from XXXX XXXX XXXX, which had previously been removed from all three major credit bureaus ( Experian, Equifax, TransUnion ) and XXXX, was wrongfully reinserted into my credit report. 

This account was initially disputed and successfully removed after I submitted identity theft documentation in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking and removal of fraudulent accounts upon notice of identity theft. 

However, despite compliance with federal law and confirmation of removal, XXXX XXXX XXXX and the credit bureaus have unlawfully reinserted the fraudulent account, violating : FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers responsible for ensuring accurate reporting. 
FACTA ( Fair and Accurate Credit Transactions Act ), which requires the immediate deletion of fraudulent identity theft records.

FCRA Sections 616 & 617 ( 15 U.S.C. 1681n & 1681o ), which allow for legal action and damages due to willful and negligent violations.

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: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/year>, XXXX of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to XXXX XXXXXXXX XXXX, XXXX under account number _________________. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. 

Your continuous calls and such conduct have caused me to suffeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. 

I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within XXXX days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 

Sincerely, ____________________________________ XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/year>, XXXX of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to XXXX XXXXXXXX XXXX, XXXX under account number _________________. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. 

Your continuous calls and such conduct have caused me to suffeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. 

I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within XXXX days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 

Sincerely, ____________________________________ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint against MoneyLion regarding inaccurate and misleading reporting on my credit file for the following account.

MoneyLion Account XXXX XXXX This account is marked as paid in full, yet it is still being reported as a charge-off. If the account was paid in full, then it should not be listed as a charge-off, as this is misleading and inaccurately portrays my credit history. 

A charge-off means a debt has been written off as a loss, whereas a paid-in-full account indicates that the obligation was satisfied. Reporting both statuses simultaneously is contradictory and violates the Fair Credit Reporting Act, which mandates that all information reported be accurate, complete, and not misleading. 

This misrepresentation negatively impacts my creditworthiness and may cause harm when applying for financial opportunities.

Requested Resolution : I am requesting that MoneyLion immediately correct this inaccuracy and remove the charge-off notation from my credit report. Since the account is marked as paid in full, it should be updated accordingly or removed entirely from my report. 

I have attached my credit report as evidence of these reporting errors. Please address and resolve this matter promptly. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or 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: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On [ XX/XX/year> ], I discovered that a fraudulent account from Elan Financial Services, which had previously been removed from all three major credit bureaus ( XXXX, XXXX, XXXX ) and XXXX, was wrongfully reinserted into my credit report. 

This account was initially disputed and successfully removed after I submitted identity theft documentation in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking and removal of fraudulent accounts upon notice of identity theft.

However, despite compliance with federal law and confirmation of removal, Elan Financial Services and the credit bureaus have unlawfully reinserted the fraudulent account, violating : FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers responsible for ensuring accurate reporting.

FACTA ( Fair and Accurate Credit Transactions Act ), which requires the immediate deletion of fraudulent identity theft records.

FCRA Sections 616 & 617 ( 15 U.S.C. 1681n & 1681o ), which allow for legal action and damages due to willful and negligent violations.

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: 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute 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 yo adequately notify consumers of dispute outcomes. These failure 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: HI

Complaint narrative:
I am writing to formally dispute a reported late payment on my credit report. The late payments in question appear on my loan, account with XXXX XXXX and I believe it was reported inaccurately. 
I have reviewed my records, and based on my information, I believe the late payment was either reported in error or does not accurately reflect my payment history. 
I have already attempted to resolve this issue directly with the creditor, but the matter remains unresolved. I would like to request that the CFPB intervene to help facilitate a fair resolution. 
I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payment is removed from my credit report. 
Thank you for your attention to this matter. I would appreciate a prompt response and would be happy to provide any further information necessary. 
Sincerely, XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to formally dispute a reported late payment on my credit report. The late payments in question appear on my loan, account with XXXX XXXX and I believe it was reported inaccurately. 
I have reviewed my records, and based on my information, I believe the late payment was either reported in error or does not accurately reflect my payment history. 
I have already attempted to resolve this issue directly with the creditor, but the matter remains unresolved. I would like to request that the CFPB intervene to help facilitate a fair resolution. 
I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payment is removed from my credit report. 
Thank you for your attention to this matter. I would appreciate a prompt response and would be happy to provide any further information necessary. 
Sincerely, 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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