vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XXXX XXXX account is charged off, its beyond 120 days & there updating on the credit bureaus as delinquent account for 30,60,90 days. I understand that I owe the money and I intend to pay it back. But unfortunately Im trying to get reliable transportation to help my family and this is destroying my credibility. XXXX XXXX as well XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX  account has been closed for several years and listed on my XXXX XXXX bankruptcy. They have me listed with an open account and recently updated there information status as XXXX days delinquent. That account dates back between XXXX approximately and filed on my XXXX XXXX bankruptcy. It was charged off and closed before the XXXX XXXX filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting a complaint that TransUnion allowed a proven fraudulent account that was previously removed be allowed to report again on my credit report. On XX/XX/XXXX I submitted all the necessary documents to validate my fraud claim and it was accepted by TransUnion as well as the other major credit bureaus but just recently one of the accounts reappeared on my TransUnion account only. According to the FCRA that account is supposed to be blocked from my profile indefinitely. The account that reappeared is XXXX XXXX XXXX XXXX # XXXX with a balance of {$5000.00}. This is a Copy of the original dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION LLC Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent accounts from my credit file. Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5000.00} Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX, XXXX XXXX Amount : {$0.00} COLLECTIONS : XXXX XXXX XXXX {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX {$69.00} I have attached a copy of my FTC Identity Theft Report with listed accounts and a copy of my government-issued ID for verification. Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed. Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. Sincerely, XXXX XXXX LAST 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 2025-04-27 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: LA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GA

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 explanation
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I submitted a payment via cash app for services on XXXX XXXX, XXXX and discovered the intended recipient account had been hacked. I immediately contacted XXXX XXXX for a refund and was advised it's like a hand to hand transaction and there was nothing they could do I started a chat with cash app and was told to request the money back which I have done for years now and it expires because the hacker doesn't want to send the money back. Now that cash app has started ( or allegedly started investigating fraud accounts ) I reached back out in XXXX and was told that my money still will not be returned even thought the account is listed as hacked and the intended recipient also called to notify that their account had been hacked and that she was missing funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this Year. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX  XXXX - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: GA

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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Inaccurate reporting of Student loans Total balance : {$31000.00} XXXXclosed accounts XXXX XXXX XXXXXXXX Balance {$3400.00} Balance updated XX/XX/year>XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} Balance updated XX/XX/year>XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} Balance updated XX/XX/year> XXXX XXXX XXXXXXXX Balance {$360.00} Balance updated XX/XX/year> XXXX XXXX XXXXXXXX Balance {$6400.00} Balance updated XX/XX/year>XXXX XXXX XXXX XXXX Balance {$7300.00} Balance updated XX/XX/year>XXXX XXXX XXXX XXXXXXXX Balance {$2400.00} Balance updated XX/XX/scrub> XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} Balance updated XX/XX/year> XXXX XXXX XXXXXXXX Balance {$2900.00} Balance updated XX/XX/year>XXXX XXXX XXXX XXXXXXXX Balance {$300.00} Balance updated XX/XX/year> Balance details Paid off Personal loan XXXX  XXXX XXXX Balance paid off Balance updated - Original balance {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a business customer either bank of America since XXXX. Dince then they have been aware of the nature of my business but no matter who I explain yo their actions taken seems they just do not want start up business to ever succeed. The way how the business is structured I get restoration contracts directly from insurance companies and the work they sent should be finished within XXXX days. Since XXXX  I have lost a total of XXXX contracts from these insurance companies and I am about to lose XXXX XXXX. This is because Bank of America despite me explaining this since XXXX  decides to out a hold on every deposit made. these holds last anywhere from a week up to a whole month at times. The issue with this is when the insurance companies are checking with the customers when they expect the work to be done but the work not only hasn't started but materials still haven't been bought. Each time I show evidence that the money is being held by the bank which buys me time, but every insurance company turns around and cancels their agreement with my company. BOA 's response this this is to tell them to wire the funds to me but home owners insurance companies will never change their ways of keeping records for XXXX company. BOA 's excuse is that there is a rise in check fraud and wire fraud doesn't exist. Why they would tell this lie is beyond me in that in American history no check fraud scam has reached the level of wire bank fraud that XXXX XXXX XXXX just committed. At this point this bank has completely destroyed my business and the reality is they are doing this to countless others. I will include a pic of the last few transactions. The first transaction shows I am over {$8000.00} negative and it will be negative on my account for the next XXXX  days. The transaction before that shows a check clearing and there being more than {$7900.00}. I an XXXX check clears how am I XXXX negative? i was never XXXX in the hole. They claim the check can bounce up to the XXXX days cause that is when they receive the physical money and they are certain it will not come back. The issue with this response is checks work similar to wires. the bank doesn't receive money instantly, they get a transmission from the other bank that funds are on the way. Can someone please look into this

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 2025-04-27 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: SC

Complaint narrative:
I am submitting this formal complaint against EQUIFAX, EXPERIAN AND TRANSUNION for its continued reporting of inaccurate and unlawful information on my consumer credit reports. Specifically, the alleged debt in question has been fully discharged and written off through the filing of an official IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ). In addition, XXXX was further paid in full through the submission of a registered security instrument to XXXX XXXX XXXX XXXX which is the Depositor for securitization transactions, which I instructed them to lawfully exchange for all amounts owed under the account. Despite these actions, XXXX continues to report the account inaccurately as delinquent or past due, thereby willfully damaging my credit reputation and causing me significant financial harm. Furthermore, based on public filings with the U.S. Securities and Exchange Commission ( SEC ), XXXX is actively engaged in the securitization of its accounts receivablesincluding mineby converting them into asset-backed securities and profiting from the monetization of those securitized assets. As a result, XXXX has already received value for the underlying obligation, which nullifies the original debt through settlement, discharge, and securitization. Summary of Violations : Failure to accurately report account status under the Fair Credit Reporting Act ( FCRA ) Continued attempt to collect on a settled/discharged obligation Willful furnishing of inaccurate information to consumer reporting agencies Unlawful business practices under federal and state consumer protection laws Financial and reputational harm caused by willful inaccuracy and extortionate collection behavior

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 To the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
I am submitting this supplemental statement to provide additional evidence and assert an additional violation by Equifax Experian and Transunion regarding my credit report disputes assertion of 15 USC 1681 p and 4 violation upon further review I discovered that all three agencies violated 15 USC 1681 p and four by failing to maintain reasonable procedures to prevent the reappearance of previously deleted inaccurate information on my credit reports this supplemental statement asserts an additional violation of 15 USC 1681 p and or and provides further evidence of credit bureau wrongdoing I request that cfpb to investigate and take appropriate actions against all three agencies complaint XXXX XXXX next to XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
I am submitting this supplemental statement to provide additional evidence and assert an additional violation by Equifax Experian and Transunion regarding my credit report disputes assertion of 15 USC 1681 p and 4 violation upon further review I discovered that all three agencies violated 15 USC 1681 p and four by failing to maintain reasonable procedures to prevent the reappearance of previously deleted inaccurate information on my credit reports this supplemental statement asserts an additional violation of 15 USC 1681 p and or and provides further evidence of credit bureau wrongdoing I request that cfpb to investigate and take appropriate actions against all three agencies complaint XXXX XXXX next to XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXX ( b ) Block - XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX a ) XXXX - XXXX XXXX XXXX XXXX a ) XXXX ( B ) XXXX - XXXX XXXX XXXX XXXX a ) ( XXXX ) B - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account number - XXXX Date opened : XXXX XXXX, XXXX - Balance : {$54000.00} XXXX  XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$730.00} XXXX XXXX  - Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX - Balance : {$730.00} XXXX U.S.C XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( a ) XXXX XXXX XXXX XXXX ( a ) XXXX ( B ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT CODE XXXX XXXX XXXX XXXX LATE PAYMENT CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 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