vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: HF Holdings
State: MD

Complaint narrative:
I am disputing a child care debt reported on my credit report by HF Holdings for services allegedly provided by XXXX XXXX XXXX XXXX. My child never attended this facility, and I never signed any agreement making me financially responsible for this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I formally requested debt validation, including : A signed contract with my original signature proving I agreed to pay for child care services.

Proof of service showing my child was actually enrolled and received care.

A full chain of title proving how HF Holdings legally obtained this debt.

A complete payment history or any records of payments made.

HF Holdings has failed to provide proper documentation but continues to report this debt to credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) by reporting unverified and inaccurate information.

What I Want HF Holdings to Do : Provide full and verifiable proof that I am legally responsible for this debt. 
If they can not validate the debt, they must remove it from my credit report immediately. 
Cease any further collection attempts until they comply with FDCPA requirements. 
Supporting Documents : ( Attach any emails, letters, credit reports, or dispute responses you have received. ) Have you contacted the company? 
Yes, I sent a debt validation request to HF Holdings, but they have failed to provide sufficient proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had XXXX XXXX XXXX credit cards and sent payment in XXXX envelope with both statement balance and XXXX separate form of payments. They were applying payment to only XXXX account instead of how I sent the monies. I called them XX/XX/year> and then the Customer Service XXXX corrected the errors. Thereafter I paid the credit cards off after the monies were applied accordingly. When this debt consolidation process came out. They changed late fees and interest in hope that creditors were doing debt consolidation and this is a breach of contract which I will be reporting to the Attorney General 's XXXX. They can't change anything doing the contract agreement must not change from the time that you open the credit card and signed your name. They now alleging that I owe them XXXX as a result when they applied payments wrong and then I paid my accounts off and even still continued to pay till this can be resolved. They will not update my credit bureaus and report wrong and has not corrected their error and turned me over to Collections. This in violation to the Fair Credit Reporting Act Sections 503, 504, 505, and the XXXX XXXX. Please note that I have all my documentation to prove that this is not the true and accurate balance

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 monetary relief
Consumer complaint received 2025-03-07 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: PA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX or Banking Accounts anything that falls under a XXXX XXXX Practices is being politically or individually targeted. Received a response from the California Attorney General regarding the practices and the third party malice personalities, on XXXX XX/XX/year> i noticed pending transactions or credit impacts to my personal credit report. Targeting my credit is an obvious practice on social standards or worse my emotional XXXX  levels. The additional interest, late fees along with principle withdrawals is an intentional target. payments that pend for XXXX weeks or a month after billing statement or payment date is only making XXXX and XXXX liberties a difficult obstacle with XXXX communications to third party assistance. My purchasing power should be without notifying banks or unknown agencies or service providers my moment of interest or my actions taken due to FREEDOM OF PRIVACY LAWS. XXXX and XXXX power in a time of need is costing thousands of dollars out of pocket, credit reporting bureaus. FBI XXXX XXXX XXXX XXXX XXXX finalized the interest of my concerns, sensitive investigations and my constant unwanted reporting is a service that i am avoiding unless i am at fault. 

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 2025-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
I signed up with XXXX XXXX my social security check and they're a hole in it I can't pay my phone bill and I'm about to be evicted Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inaccuracies on my report are causing damage to my scores and limiting my financial opportunities. Its frustrating to know that Im being held back by errors that should not be there.

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 2025-03-06 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: FL

Complaint narrative:
I have sent identity theft report and they have continuously denied me my right to have fraudulent accounts be blocked from my report. According to the FCRA If i was a victim of identity theft, report agencies have up to four business days to delete them from my credit report which they continually fail to do. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent identity theft report and they have continuously denied me my right to have fraudulent accounts be blocked from my report. According to the FCRA If i was a victim of identity theft, report agencies have up to four business days to delete them from my credit report which they continually fail to do. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-06 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: NJ

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 the disputed information 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I cant believe Im still dealing with this. Ive contacted you multiple times regarding the inaccurate accounts that are still in litigation, yet they remain on my credit report. This has been dragging on for far too long, and Im at my breaking point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: MO

Complaint narrative:
I sent a dispute and FTC report pertaining to fraudulent unauthorized, inquiries on my credit profile and have yet to receive a response or update to my credit report with any corrections. The increase on my credit report, I did not give my consent for consist of the following : Company : XXXX XXXX via Dealer XXXX Company : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AL

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently submitted documents to Experian to update my identity verification information, but they have not updated my report accordingly. I provided valid identification documents, but my credit report still contains outdated or incorrect information. I have contacted Experian, but they have not resolved the issue.

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally dispute an account listed on my credit report for which I have no financial responsibility. The account details are as follows : Creditor Name : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Status : Authorized User I was added as an authorized user on this account ; however, I am not the primary account holder and do not bear any liability for the debt. I have since been removed from this account by the creditor, and I now request that you immediately delete this tradeline from my credit report. 



In addition to the factual inaccuracy, the continued reporting of this account violates several provisions of the Fair Credit Reporting Act ( FCRA ). In particular, please note the following statutory requirements : 15 U.S.C. 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy in the information reported. 

15 U.S.C. 1681i ( a ) ( 1 ) : Requires that a reasonable investigation be conducted when a consumer disputes the accuracy of their credit report. 

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of any information that can not be properly verified. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires furnishers to report only accurate information. 

15 U.S.C. 1681s-2 ( b ) : Compels furnishers to investigate disputes when notified by a credit bureau . 

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information, ensuring outdated or inaccurate information is not reported. 

15 U.S.C. 1681g : Provides consumers the right to access and verify information contained in their credit reports. 

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA. 

15 U.S.C. 1681o : Allows for legal recourse in cases of negligent noncompliance. 

15 U.S.C. 1681p : Establishes the statute of limitations for FCRA claims. 

15 U.S.C. 1681b : Restricts access to consumer reports to only those with a permissible purpose. 

15 U.S.C. 1681h : Requires proper disclosure of credit report information to consumers. 

15 U.S.C. 1681d : Outlines the responsibilities of consumer reporting agencies in handling disputes. 

15 U.S.C. 1681j : Addresses the proper handling of adverse actions taken on the basis of information in the consumer report. 

15 U.S.C. 1681k : Specifies liability for willful noncompliance with the FCRA.

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 2025-03-07 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Inquiry Name : CXXXX 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 

15 U.S.C. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 ) Section states : A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation