vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: TN

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. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights. 

The following dispute items are inaccurate and require urgent correction : Personal Information ( Experian ) Also Known As : XXXX XXXX Previous XXXX ( es ) : XXXX XXXX XXXX, FL XXXX XX/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 2025-04-23 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: NJ

Complaint narrative:
This is my final attempt to address the repeated reinsertion of inaccurate and previously deleted accounts on my credit report. These accounts were originally deemed unverifiable and removed in XX/XX/year>, yet they continue to reappearmost recently on XX/XX/XXXX, XXXXwithout proper notice or verification, in direct violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ) ( 1 ), a reasonable investigation must be conducted within 30 days of a dispute, and under 1681i ( a ) ( 6 ) ( B ) ( 3 ), the results must be disclosed to the consumer. No such explanation has been provided. Worse, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires that any reinserted information must be certified as accurate and that written notice must be sent within XXXX business daysnone of which occurred. These accounts were deleted and reinserted multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ), despite prior deletion confirmations. I have been closely monitoring my credit due to an active financial application, and upon purchasing my latest report, I discoveredagainthat these same accounts had been reinserted. This is reckless, harmful, and unlawful. I am demanding immediate and permanent removal of these reinserted accounts and reserve the right to pursue {$1000.00} per violation under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. I will not tolerate this ongoing damage to my credit and peace of mind.

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 2025-04-23 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: OH

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data formatting standards.

The disputed account was closed in XXXX 2023 but Equifax is reporting multiple 90-day late payments, which is factually incorrect and inconsistent with how this account is reported by XXXX and XXXX ( which do not show these late payments ). 

The following violations of federal law and industry standards apply : 1. FCRA 607 ( b ) : Equifax failed to report with maximum possible accuracy by showing delinquencies not reported by other bureaus.

2. FCRA 611 : Equifax did not conduct a reasonable investigation of my dispute.

3. FCRA 623 ( a ) ( 1 ) : The data furnished is knowingly inaccurate.

4. Metro 2 Format Violations : Late payments are reported after account closure " Payment Rating '' field conflicts with " Payment History Profile '' Possible incorrect or missing Date of First Delinquency ( DOFD ) Inconsistent field synchronization violating the CRRG ( Credit Reporting Resource Guide ) These issues show that Equifax 's data is structurally invalid under Metro 2 and legally unverifiable under the FCRA. This inaccurate reporting has negatively impacted my credit and was not corrected when I formally disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-23 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: GA

Complaint narrative:
for the last eight ( 8 ) months i had filed numerous complaints against Transunion for illegal and unethical reporting of my credit. As a result of this ; Transunion retaliated against me by taking all the positive events out of my credit report and publishing only the negative events and thereby causing a malice to my score and ruining my personal finances. ( Reference my XXXX report for proof of Transunions guilt and retaliation, as it shows my XXXX credit score is nearly XXXX points higher than Transunion using the same information and scoring system. ) Equifax is also a party to this complaint and for the same acts committed against me, they have using the same retaliatory methods caused my credit score in there system to be well over XXXX points lower than my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I believe my identity was stoled either again or the same individual who caused me credit card fraud in XX/XX/XXXX did it again. 

I was in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX and on XX/XX/XXXX I received 3 emails indicating I opened up store credit cards and made purchases for Harbor Freight, XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX. I was able to complete an XXXX credit freeze on XX/XX/XXXX and have since then been contacting each individual company to dispute the claims and close the cards. I also filed a police report in my current city of residence and am applying for an extended 7-year fraud alert with XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
As of 15 USC 1692 G 1. I need a full detailed list of payment on this account. 
2 I want to see the original we signature. I agreed to on the contract for this creditor.

3 has there been any insurance claims on this debt?

4 I want the chain of title custody that you have to collect on this debt If you can not provide all these documents that it needs to be removed and deleted from my credit report, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-04-23 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-23 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: WA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am disputing a tradeline reported by XXXX ( account ending in XXXX ) which is inaccurately listed as charged off. I submitted multiple properly formatted negotiable instruments under UCC 3-104 to the original creditor ( XXXX  ) in XXXX and XXXX 2024. These instruments were labeled Accepted for Deposit Payable to the bearer Without recourse, and the amounts matched the outstanding balance on the account. 
In each correspondence, I requested the company either ( 1 ) apply the value of the bearer instrument to discharge the account under UCC 3-603 ( a ), or ( 2 ) provide a lawful reason supported by commercial or statutory law for refusing to accept the instrument. No lawful rebuttal, dishonor, or response was received.

According to UCC 3-505, failure to timely respond or return the instrument constitutes dishonor. This account is being inaccurately reported as charged off despite lawful tender and lack of rebuttal, making the tradeline misleading and incorrect under the Fair Credit Reporting Act ( FCRA ). 
I am requesting immediate deletion of this tradeline from my credit report and a full investigation into this unlawful reporting practice. 
Supporting documents, including copies of the instruments, remittance letters, and evidence of mailing and acceptance, are available upon request.

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 2025-04-23 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint to dispute multiple unauthorized hard inquiries on my credit report made by Credit Acceptance. These inquiries were made without my consent, and I did not apply for credit or authorize Credit Acceptance to pull my credit. As a result, these hard inquiries are negatively impacting my credit score.

Inquiries I am Disputing : 1. Company Name : Credit Acceptance Date of Inquiry : XX/XX/year> Inquiry Type : Hard Inquiry Reason for Dispute : Unauthorized hard inquiry ; I did not apply for credit or authorize this inquiry. 
XXXX. Company Name : Credit Acceptance Date of Inquiry : XX/XX/year> Inquiry Type : Hard Inquiry Reason for Dispute : Unauthorized hard inquiry ; I did not apply for credit or authorize this inquiry. 
XXXX. Company Name : Credit Acceptance Date of Inquiry : XX/XX/year> Inquiry Type : Hard Inquiry Reason for Dispute : Unauthorized hard inquiry ; I did not apply for credit or authorize this inquiry.

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