vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last XXXX digits of my social : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate information that appears on my credit report. pursuant to to my rights under the fair credit reporting Act ( FCRA ), specifically XXXX U.S.C XXXX ( a ), I am requesting an investigation of the following item : Creditor : XXXX XXXX XXXX XXXX Account XXXX Description of Inaccuracy : account is reporting charged off/open Charge Off Accounts Are Considered Income By The IRS! XXXX is forbidden to be on a consumer credit report. 
I should have gotten a XXXX & from any creditor who reported a charge off/Written off on my consumer ( credit ) report. 
This means that the creditor wrote it off on their taxes and received a profit. 

I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I XXXX provide to support my claim of inaccuracy. 
I understand that, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to complete the investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations. I have attached a copy of my driver license and social for proof of my identity. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last XXXX digits of my social : XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate information that appears on my credit report. pursuant to to my rights under the fair credit reporting Act ( FCRA ), specifically XXXX U.S.C XXXX ( a ), I am requesting an investigation of the following item : Creditor : XXXX XXXX XXXX XXXX Account XXXX Description of Inaccuracy : account is reporting charged off/open Charge Off Accounts Are Considered Income By The IRS! XXXX is forbidden to be on a consumer credit report. 
I should have gotten a XXXX & from any creditor who reported a charge off/Written off on my consumer ( credit ) report. 
This means that the creditor wrote it off on their taxes and received a profit. 

I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I XXXX provide to support my claim of inaccuracy. 
I understand that, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are required to complete the investigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations. I have attached a copy of my driver license and social for proof of my identity. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
The FCRA states it is illegal to report anything on my report without my written instructions it is really affecting my credit report it is stopping me from getting a home.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I am writing to formally dispute the fraudulent account that has been reported under my name. This account, which appears on my credit report with the following details, is completely unauthorized and fraudulent : Account Name : EXETER FINANCE LLC Account Number : XXXX Date Opened : XX/XX/year> Outstanding Balance : {$22000.00} I DID NOT open this account, nor did I authorize anyone to open it on my behalf. This is a clear case of identity theft, and I demand that you take immediate action to remove this fraudulent account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had an active Cash App account with direct deposit set up. Recently, without warning or explanation, Cash App closed my account. As a result, my direct deposit funds are either in limbo or being returned without my consent, and I no longer have access to my account or account/routing numbers. 

Ive reached out to Cash App support multiple times through the app and via email. However, I am only receiving automated, generic responses that do not address my specific issue. Despite requesting escalation to a real person, I am not receiving any real assistance. 

I am requesting : XXXX. An explanation for why my account was closed. 
XXXX. Verification of the status of any direct deposits sent to the closed account. 
XXXX. Access to my account and routing information to update my employer/payment source. 
XXXX. Proper review by a human support representative, not automated replies. 

The lack of communication and transparency has caused financial hardship and stress. I am asking for Cash App ( Square, Inc. ) to address this matter in a timely, professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
I have requested a XXXX for my account that they have written off {$510.00} on but continue to report as past due {$510.00} as past due they have refused to send this information to me or delete this from the credit bureaus. The IRS considers a charge-off to be income doesn't belong on credit report, so this I gross or ordinary income. Income like-this on my report isn't accurate. 


15 USC XXXX XXXX ( a ) ( XXXX ) ( A ) : A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information IS inaccurate and ; the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
I have requested a XXXX for my account that they have written off {$510.00} on but continue to report as past due {$510.00} as past due they have refused to send this information to me or delete this from the credit bureaus. The IRS considers a charge-off to be income doesn't belong on credit report, so this I gross or ordinary income. Income like-this on my report isn't accurate. 


15 USC XXXX XXXX ( a ) ( XXXX ) ( A ) : A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information IS inaccurate and ; the information is, in fact, 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had been using a Synchrony Bank XXXX XXXX ( XXXX ) for XXXX purchases for about XXXX  year. I was an excellent customer, without late payments and no change in credit worthiness. Over this time period, I had accumulated {$2300.00} in XXXX reward points. 

On XX/XX/XXXX2025 my account was abruptly closed by the Bank. When I inquired why, the bank stated that " they have the right to close my account and anytime for no reason '' and that the account was closed by the Bank because my purchasing history suggested I was at high risk for not paying, although I was never late or failed to make a payment. 

In the end, the Bank forced me to forfeit {$2300.00} in the bonus rewards that I had accumulated through XXXX purchases because, they stated, it was because my acct was closed. However I didn't close the acct, the bank did. Finally for the last XXXX months, since XX/XX/XXXX I have been requested the refund check of an of the final acct balance of f {$4800.00}, and have requested this several times but have not received to date. 

It is my position that the Bank owes me a total of {$7100.00} ( {$2300.00} + {$4800.00} ).

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