vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 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 explanation
Consumer complaint received 2025-02-20 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: WA

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
Urgent Dispute Unauthorized Fraudulent Account Removal To Whom It May Concern, I am formally disputing the unauthorized fraudulent account that has been wrongfully reported on my credit profile. This account was previously disputed as fraudulent due to my personal information being compromised following the XXXX data breach. Despite bringing this matter to the attention of both the creditor and the credit reporting agencies ( CRAs ), my dispute was ignored, and the account remains on my credit file. 

I have previously submitted a federal identity theft affidavit, which was also disregarded by both the creditor and CRAs. This account does not belong to me, and I am demanding its immediate closure and permanent removal from my credit profile. 

Failure to remove this unauthorized account would constitute a direct violation of my consumer rights under federal law and the Fair Credit Reporting Act ( FCRA ). Attached, you will find the identity theft affidavit for your review. 

Furthermore, I do not consent to an E-Oscar verification process. I am requesting a complete deletion of this fraudulent account from my credit report. 

I am extremely disappointed with how this matter has been handled, and I insist that this issue be rectified without further delay. Please provide written confirmation once this account has been removed.

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 2025-02-20 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: IA

Complaint narrative:
Im filing this identity theft affidavit to report fraudulent accounts appearing on my consumer FICO credit report. The following accounts are XXXX XXXX {$16000.00}, XXXXXX/XX/XXXX {$0.00}, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$140.00}, XXXXXX/XX/XXXX {$0.00}, XXXX XXXX {$590.00}, XXXX XX/XX/XXXX {$500.00} and i have 28 inquires that i don't recognize. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
My square account received an email from the square platform in XXXX 

square is a company owned by Block , Inc . 

My account was deactivated by square, and my account funds will remain in square! But I will receive my account balance after 90 days of deactivation! 

Now my account has reached the release time! But square didn't release my funds! 

I contacted an internal member of square several times and he replied that he had upgraded the case internally and that his account service team would send me an email in XXXX days! 

I waited XXXX years for my case to be resolved, and square 's account services team didn't send me any emails!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
Was a loan back from 2008. Original price was {$500.00}. Charged me 2 different times for {$1500.00}. Paid both times. Now got a phone call 2 weeks ago saying I still owe the {$1500.00} and I'm being sued. Said they would send me the info about case and everything but sent me nothing. Guy on phone said he was an attorney but wouldn't tell me what firm he's with. Thought it was legit and gave him card number to pay in payments. Learned it was a scam so I changed my card number. Same day put a freeze on my credit. Next day had 2 alerts about social security number trying to be used. Called me again today saying couldn't get the money from my card and I broke the arbitration agreement and to call him back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
Subject : Failure to Correct Inaccurate Personal Information and Missing credit reporting To whom this may concern, I am submitting this complaint because { Equifax, Experian and TransUnion } have failed to correct inaccurate personal information on my credit report despite multiple attempts to resolve the issue. I have sent letters dating back to XXXX with copies of ID, Birth certificate, social security card, and bank statements. Additionally, [ Transunion/Equifax ] have not reported any accurate information or activity since XXXX, which is negatively impacting my credit profile. 

Issues that need to be Corrected : XXXX ) Incorrect personal information - My report list outdated and incorrect addresses and birthdate. 
XXXX ) Failure to report credit history correctly- [ Transunion/Equifax XXXX have not updated my credit history since XXXX, despite my active accounts. 
XXXX ) Lack of response to previous disputes - I have submitted disputes online and in hand written letters with return receipts to update my information, but the credit bureaus have failed to correct the errors. 

I am formally requesting that [ Transunion/Experian/Equifax ] take immediate action to : 1 ) Correct my personal identifying information ( address, and birth date ) based on valid documents. 
XXXX ) Accurately report all active credit accounts that should be reflected on my report and correct inaccurate information such as late payments on student loans. 
XXXX ) Provide a written response detailing the corrections made and an explanation for the reporting gaps. 

If these issues are not corrected within the legally required timeframe, I will escalate this matter further, as failure to maintain accurate credit reporting violates the Fair Credit Reporting Act ( FCRA ). 

Please provide an update on this matter soon as possible. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AUSSRQ Holdings, LLC
State: NJ

Complaint narrative:
The credit bureausEquifax, XXXX, and XXXX violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under 15 U.S.C. 6801 ( b ) of the GLBA, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures. 
These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
The credit bureausEquifax, XXXX, and XXXX violated the Fair Credit Reporting Act ( XXXX  ) and the Gramm-Leach-Bliley Act ( XXXX  ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating XXXX XXXX. XXXX ( a ) and XXXX ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under XXXX XXXX. XXXX ( b ) of the XXXX, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures. 
These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: PR

Complaint narrative:
The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed : 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
Consumer complaint received 2025-02-20 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: NJ

Complaint narrative:
TransUnion has failed to correct an ongoing error in my payment history despite multiple disputes. This inaccuracy has persisted for far too long, and I am demanding immediate action. Upon reviewing my credit report, I found that my payment history for the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been MISREPORTED by TransUnion, while XXXX has accurately reflected the correct payment history. What makes this situation even more unacceptable is the blatant inconsistency in TransUnions reporting. How is it possible that TransUnion correctly lists my payment status as " Paid or Paying as Agreed, '' yet my payment history does not reflect that? If my account is in good standing, then my payment history should align with that status. This contradiction not only defies logic but also violates my rights under federal law. By continuing to report incorrect payment history, TransUnion is violating its legal obligation under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in consumer reports. I have disputed this issue multiple times, yet TransUnion has repeatedly failed to take corrective action. This repeated failure now constitutes willful noncompliance under 15 U.S.C. 1681n. Furthermore, TransUnions refusal to investigate and correct these errors is a direct violation of 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation and fix inaccuracies. At this point, it is clear that TransUnion is ignoring its responsibilities under federal law. How much longer do you intend to make me go through this unnecessary hassle? I am demanding that TransUnion immediately correct my payment history to accurately reflect my payment status as " PAID OR PAYING AS AGREED, '' just as XXXX has already correctly reported. There is absolutely no justification for this continued misreporting, and I expect this matter to be resolved without further delays. If this issue is not corrected promptly, I will escalate this matter further and take all necessary steps to ensure compliance with federal regulations and protect my rights. I expect written confirmation once the correction has been made.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-20 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: Sezzle Inc.
State: SC

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

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am requesting an investigation into accounts from companies that are wrongly marking late payments on my credit report. Upon review, I found inaccuracies in these accounts, and there should be no late payment remarks on them.

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 2025-02-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On XX/XX/year> my car was broken into. They stole my phone and wallet. In my wallet I had my ID and cards on all my card I have pins on the back. I just recently file a claim so I had money on it. I guess they look in my phone which I dont have a password on and in my notes are my pins and logins to my bank accounts. I have condition called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so I dont remember things I have everything written down and no passwords. So I guess they took the phone look through all of it and got what they could. just today XX/XX/year> got a new phone to check on all my accounts and everyone its money missing or completely gone. I filled a police report XXXX. Please help I need the money for bills please. My daughter is sick I need the money. My claim number is 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