vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I am submitting this complaint regarding an inaccurate and unfair collection account reported by XXXX XXXX XXXX, related to XXXX XXXX XXXX. 

In XXXX, XXXX system applied an erroneous credit balance of thousands of dollars to my account, which prevented me from making regular payments. I contacted them multiple times over several months. Eventually, I was told over the phone that the account would be closed and the balance zeroed out but that never happened. 

Without further notice, XXXX sent the account to collections. This collection account was previously removed from my credit report successfully after a dispute. I do not understand why it has reappeared now and can not be removed again. 

I have official statements from XXXX showing the positive balance they applied in error. Despite presenting this evidence to Experian, my dispute was closed as verified as accurate, without any valid documentation or explanation. 

This collection is unjust and invalid. I never authorized those charges, and the balance originated from XXXX internal error. I was promised that it would be corrected, and it was not. 

I respectfully request : - That XXXX XXXX XXXX and/or XXXX XXXX provide written proof of the alleged debt, including service agreements and full billing records. 
- That this collection be removed from my credit report immediately. 
- That Experian be required to comply with its verification obligations under the Fair Credit Reporting Act ( FCRA ). 
- That any reinsertion of this account be fully documented and justified. 

I am attaching evidence, including : - XXXX account statements showing the credit balance. 
- Experians response dated XX/XX/XXXX. 
- Screenshot of the collection account with dispute remark. 

Thank you for your attention 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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

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 2025-06-05 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required XXXX notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-05 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 writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-05 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: IL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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: DE

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 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 2025-06-05 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: DE

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 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 non-monetary relief
Consumer complaint received 2025-06-05 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: MN

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-06-05 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am following up on CFPB XXXX XXXX. XXXX regarding an auto loan account reported by Santander XXXX  USA with a charge-off balance of {$12000.00}. Santander responded but failed to provide the original signed contract and a complete breakdown of the deficiency balance after the vehicle was repossessed and sold at auction. 

Their investigation did not resolve the issue, as they admitted they only have a copy of the contract from the dealership, which lacks key documentation. They also did not provide proof of the auction sale price or how the {$12000.00} was calculated. 

This incomplete validation violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to reopen the investigation and require Santander to provide full documentation or remove this account from all credit reporting agencies. 

A detailed PDF has been attached outlining my concerns and request for full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
I made my payment on XX/XX/year> which is my due date. I am being reported as XXXX days late and my account was not XXXX days past due. I asked for this error to be corrected and it has not been. My payment was made on time I am being penalized for the trailing late fees on the account which I asked to be removed and my requests was declined. I also asked for my credit report to be corrected and my request was denied as well.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The week of XX/XX/XXXX, I started receiving notifications on my third party Called Identity I.Q saying there was new accounts opened under my identity using my information. From reviewing my Credit Report, There are Multiple new accounts using my Identity and information. The Institutions these accounts were opened at are -Citi Bank CBNA 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I am a victim of identity theft the year XXXX my information was breach by way EQUIFAX XXXX fraudulent accounts were opened without my Permission I tried telling the credit reporting agency but they weren't listening XXXX EQUIFAX and transunion furnished a consumer report to a person i didn't know by the name of XXXX XXXX I'm requesting that the accounts I identify in my FTC report be blocked as required according FCRA 605B REQUIRES CREDIT REPORTING AGENCY TO BLOCK INFORMATION IDENTIFIED BY THE CONSUMER AS RESULTING FROM IDENTITY THEFT .. DOCUMENTS UP LOADED..

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 2025-06-05 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: MI

Complaint narrative:
I am a victim of identity theft the year XXXX my information was breach by way EQUIFAX XXXX fraudulent accounts were opened without my Permission I tried telling the credit reporting agency but they weren't listening XXXX EQUIFAX and transunion furnished a consumer report to a person i didn't know by the name of XXXX XXXX I'm requesting that the accounts I identify in my FTC report be blocked as required according FCRA 605B REQUIRES CREDIT REPORTING AGENCY TO BLOCK INFORMATION IDENTIFIED BY THE CONSUMER AS RESULTING FROM IDENTITY THEFT .. DOCUMENTS UP LOADED..

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 2025-06-05 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: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted an identity theft block request through [ XXXX XXXX XXXX online portal. I provided all required documentation, including : A valid FTC Identity Theft Report A copy of my government-issued ID A recent proof of address I am a victim of identity theft. Several accounts were opened without my knowledge or permission, including a XXXX XXXX XXXX XXXX account reported as opened approximately XXXX years ago. I have never had any relationship with this institution. 

Under 15 U.S.C. XXXXXXXX, the credit bureau is required to block identity theft-related information within XXXX business days of receiving proper documentation. That deadline is now active, and these items have not been removed. 

I am requesting CFPB support to enforce the law and ensure that all fraudulent accounts are permanently deleted 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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: WA

Complaint narrative:
I attended XXXX University only for the autumn semester in XXXX. I was not able to go back to school due to my mothers passing. I have paid for my one semester taken completely however when viewing my credit report this month I have been reported to collections for debt. I have not attended that school and in fact was in a different state since that semester. I have all my accounts in order so this was confusing. I researched what the collection would be for to be told that I owe money still to XXXX University. When I checked the assigned school profile on their website I am not shown any classes taken in XXXX or a reason for the charges however Im still being bothered and pushed to pay almost XXXX usd.

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 2025-06-05 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: GA

Complaint narrative:
In XXXX, I used XXXX to finance a purchase through XXXX. During checkout, a technical glitch caused the full amount to be charged to my personal debit card instead of partially being financed through XXXX. This led me to believe that the XXXX loan was canceled or corrected. 

However, the loan remained active without my knowledge, and by the time I realized this, it had already negatively impacted my credit. Since then, I have made multiple attempts to contact XXXX, including phone calls and emails, beginning in XXXX. Most recently, I emailed customer care on XX/XX/XXXX, but received no response. 

Despite my efforts to resolve or clarify this situation, I have been unable to reach a resolution. I am now requesting assistance in fully paying off and removing this loan from my credit history or at the very least, an explanation and official response from XXXX, which I have not received for years.

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 2025-06-05 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-05 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: VA

Complaint narrative:
Upon reviewing my credit report I noticed an address that I've never been associated with in any way on my report. The address was XXXX XXXX XXXX, XXXX, XXXX That address had an eviction in 2023. I have never been associated with this address. There is also a phone number that I'm Unfamiliar with XXXX. I need these things removed immediately!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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