vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXXXXXX XXXX Account # : XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXX I made my mortgage payment as normal. Im in a hardship plan with Freedom Mortgage. I was charged double for this payment. Freedom mortgage refused to stop these payments and instead directed me to stop the charges with my bank.

Since then my account has not been reflecting the current values correctly. It does not show Im in a loss mitigation plan and says I havent made a payment since XX/XX/XXXX however Ive made my hardship adjusted payments since the trial was established. In my account history it shows Ive made those payment. 

Ive contacted them at least 4 times where Ive been hung up on, transferred to XXXX and told that they dont know the issue and that I will have to call my payment in. Theres currently no method for me to make my regularly scheduled payment with my loss mitigation plan other than calling them. 

This is my last payment of my trial plan and I havent received any follow up from freedom mortgage regarding a permanent plan or any action to go forward.

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 2025-01-25 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: VA

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA 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 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 2025-01-25 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed an account with misinformation reported on my credit report. This has been detrimental to my credit score and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed an account with misinformation reported on my credit report. This has been detrimental to my credit score and my life.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX account:XXXX {$2200.00} XXXX  XXXX accountXXXX {$5400.00} has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 

15 U.S.C. 1681 Section 604 A section 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
I am writing to formally dispute an inaccurate entry on my credit report that I believe does not comply with the provisions under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, which governs the accuracy and completeness of the information reported. 

Account Name/Issuer : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : XXXX XXXX XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX  XXXX  / Account Number : XXXX Account Name/Issuer : XXXX  / Account Number : XXXX As per Section 1681b of the FCRA, I am entitled to dispute information on my credit report that is not verified as accurate. 

I request that you thoroughly investigate this charge-off and confirm its accuracy. If you are unable to verify the charge-off or provide adequate documentation supporting the validity of this debt, I kindly request that you remove this charge-off from my credit report. The information listed is affecting my creditworthiness, and under the FCRA, you are required to ensure that all information provided to me is accurate and verifiable.

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 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report that I believe does not comply with the provisions under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, which governs the accuracy and completeness of the information reported. 

Account Name/Issuer : XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : XXXX XXXX XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX  XXXX XXXX  XXXX  / Account Number : XXXX Account Name/Issuer : XXXX  / Account Number : XXXX  As per Section 1681b of the FCRA, I am entitled to dispute information on my credit report that is not verified as accurate. 

I request that you thoroughly investigate this charge-off and confirm its accuracy. If you are unable to verify the charge-off or provide adequate documentation supporting the validity of this debt, I kindly request that you remove this charge-off from my credit report. The information listed is affecting my creditworthiness, and under the FCRA, you are required to ensure that all information provided to me is accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX is the amount on my credit history which isn't mine, unfamiliar with account, and capital one credit card that isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
This is not my account and was open due to fraud. 
Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX  Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/year> Status Open/Never late. 
Status updated XX/XX/year> Balance {$23000.00} Balance updated XX/XX/year> Recent payment {$590.00} as of XX/XX/year> Monthly payment {$490.00} Original balance {$26000.00} Highest balance - Terms XXXX  Months

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 2025-01-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} /XXXX XXXXXXXX  XX/XX/XXXX $ XXXX XXXX XXXX  XX/XX/XXXX $ {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX/XXXX  XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # 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 2025-01-25 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:
There are inquiries from your company on my credit report that I never authorized, and theyre seriously affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I recently received a copy of my credit reports and I noticed some late payments on my consumer report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the person making the 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 2025-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit reports and I noticed some late payments on my consumer report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally request the blocking and deletion of certain accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protections for victims of identity theft. As a victim of the recent data breach, I have reason to believe that the following accounts were fraudulently created or have been impacted by unauthorized use of my personal information. Please take immediate action to block and delete the following accounts from my credit report : Collections Accounts : XXXX XXXX Balance : {$3000.00} Original Creditor : XXXX XXXX Status : Placed for Collection Removal Date : XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$230.00} Original Creditor : XXXX XXXX Status : Placed for Collection Removal Date : XXXXXXXX XXXX XXXX XXXX  Balance : {$400.00} Original Creditor : XXXX Status : Placed for Collection Removal Date : XXXX/XXXX  XXXX XXXX XXXXXXXX Balance : {$2400.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Status : Placed for Collection Removal Date : XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX. Status : Placed for Collection Removal Date : XXXX/XXXX  Charge-Offs : XXXXXXXX XXXXXXXX Balance : {$0.00} ( was {$2400.00} ) Status : Sold ; was in Collection Removal Date : XXXX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am providing the following documentation to support my claim : A copy of my government-issued ID ( e.g., driver 's license or passport ) A copy of my Social Security card A copy of a police report or FTC Identity Theft Report I request that you complete this investigation promptly and notify me of the outcome. If additional documentation or information is required, please contact me at the information provided below. I appreciate your prompt attention to this matter and look forward to confirmation that these accounts have been blocked and deleted from my credit report. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
TransUnion continually reports my credit score as about XXXX points lower than XXXX  or XXXX  making it hard to get a true 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im honestly tired of dealing with the constant inaccuracies on my report. These errors are more than just frustratingtheyre actively damaging my score and preventing me from accessing opportunities that Ive worked hard to earn. Its unfair and exhausting to keep fighting for basic fairness.

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 2025-01-25 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: Sezzle Inc.
State: VA

Complaint narrative:
XXXX XXXX, XXXX XXXX, sezzle, XXXXXXXX XXXX  refuse to be remove off my credit report. XXXX XXXX  was used in my name fraudulent. The others companys are putting in false information and they are very very old items in my credit report in which they refuse to remove. I have provided information several times and they refuse to investigate. XXXX XXXX XXXX  has been paid off and closed and they are reporting inaccurate information on my credit report as well, and refuse to up date and remove.

Company response to consumer: Closed with explanation