vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-19 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00} INQUIRIES : XXXX  XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this 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 non-monetary relief
Consumer complaint received 2025-05-19 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  They have been harassing and disclosing my information to my friends and family without my authorization. 

Prohibition on XXXXParty Disclosure ( 15 U.S. Code 1692c ( b ) ) : Debt collectors may not communicate with any third party ( other than your attorney or the creditor ) about your debt, except for limited purposes such as locating you. 

The FCRA regulates how collection agencies ( and other furnishers of credit information ) can report debt to credit bureaus. They must be accurate, fair, and responsible in how they handle your credit data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
Account What happened Key dates & amounts What I did What the company did/ didnt do Auto loan ( original balance {$15000.00} ) Vehicle was surrendered and the debt was fully discharged in my XXXX XXXX, yet Equifax still lists a {$9300.00} charge-off balance and no XXXX  notation. Loan opened XXXX XX/XX/XXXX XXXX filed XXXX XX/XX/XXXX ( XXXX ) Equifax still shows Charge-off {$9300.00} on XXXX XXXX XXXX XXXX  XXXX sent dispute with copy of the discharge order. XXXX replied completed investigation consumer disagrees but supplied no proof of an outstanding balance ; Equifax left the charge-off as-is. 
Credit-card # 1 ( limit {$600.00} ) Equifax shows a {$710.00} balance, {$93.00} past-due, and 30-day lates ( XX/XX/XXXX & XXXX XXXX ) even though I made payments that should have cured the past-due. Payment of {$130.00} on XXXX XX/XX/XXXX and {$170.00} on XXXX XX/XX/XXXX Equifax still reports past-due {$93.00} and XXXX XXXX late on XXXX XXXX XXXX XXXX XXXX uploaded bank confirmations proving the XXXX payments. XXXX sent an automated account verified note ; Equifax left the late codes and past-due figure unchanged. 
Credit-card # XXXX ( limit {$300.00} ) Equifax marks XXXX XXXX late for XXXX XXXX even though my {$25.00} minimum was paid within the grace period ; no other bureau lists that account as currently late. XXXX posted XXXX XXXX XXXX XXXX {$140.00} / past-due {$25.00} still showing on XXXX XXXX XXXX XXXX XXXX submitted online dispute with copy of the payment confirmation screen. Lender has not provided ledger evidence ; Equifax has not removed the single late code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXX dollars left on .my close account and do not want to give me myiney bacjk

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I have requested personally for the third time a reduction in payment by means of forberance or refinancing options. I believe this to be a predatory loan because of the cars value, the percentage rate and loan terms that can hardly be understood by the laymen and/or average consumer. This latest experience was XXXX. 
Exeter Finance LLC has reportedly hired executives from the infamous XXXX XXXX  This company has also experienced a data breach that I was not informed of either by mai, email, or phone call. 
The multiple class action investigation and subsequent lawsuits are also of grave concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: MO

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, a vendor incorrectly displayed on my Cash App account as XXXX XXXX XXXX XXXX attempted to access my account XXXX XXXX XXXX  times, requesting either {$600.00} or {$550.00}. I promptly reported these fraudulent attempts to Cash App. However, they informed me that they could only take action once a purchase was successfully processed. 

The fourth attempt, for {$550.00}, went through, and it was displayed as XXXX XXXX. 

On XXXX XXXX XXXX I initiated a dispute with Cash App, assuming that the vendor was XXXX XXXX, as thats what Cash App was displaying. The dispute was initiated, but on XXXX XXXX XXXXXX/XX/year>, I learned that the vendor was actually XXXXXXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXXXX/XX/year>, I confirmed with the correct vendor that they had returned my payment on XX/XX/scrub>XXXX XXXX XXXX However, they were unable to provide any further explanation for why my funds had not been received. 

When I inquired about the status of my funds with Cash App, they continued to inform me that the dispute could take up to XXXX days. I had previously raised the return payment with them, but they refused to provide any additional information and insisted that I must wait the full XXXX  days before receiving any updates. 

Furthermore, I had requested the transaction number and dispute number, but they had refused to provide either. When I asked why there was a delay after XXXX XXXX had returned the payment, they maintained that they could not answer until XXXX days had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently noticed an inquiry on my credit report that I did not authorize. This inquiry was done online without my knowledge or consent, and I consider it to be fraudulent.

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 2025-05-19 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
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 2025-05-19 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: CT

Complaint narrative:
Name XXXX XXXX SS # XXXX DOB XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , delete 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 are listed below : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I've attached a list of the hard inquiries in question.. 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 # ( XXXX ) 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 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 2025-05-19 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 reviewed my consumer reports and noticed that i had XXXX late payment on an XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-05-19 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I request that the CFPB take action to ensure Experian complies with federal law and provide consumers with necessary proof of investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB Complaint Reinsertion Without Notice & False Reporting on XXXX Account ( Equifax ) I am filing a formal complaint against Equifax for two separate and serious violations of the Fair Credit Reporting Act ( FCRA ) : 1. Illegal Reinsertion Without Notice XXXX XXXX Equifax reinserted a previously deleted collection account from XXXX XXXX onto my credit file without providing written notice within five business days, as required by FCRA 611 ( a ) ( 5 ) ( B ).

I did not receive any notification by mail or electronically regarding this reinsertion. The law is clear : if a previously deleted item is reinserted, the consumer must be notified in writing within 5 business days. Equifax has failed to comply. 

I demand the immediate deletion of this account unless Equifax can provide documented evidence that : The reinsertion was legally valid, and Proper notice was sent in accordance with federal law 2. False Claim About XXXX Account Status In Equifaxs response to a prior CFPB complaint, they stated that the XXXX XXXX XXXX account is no longer reporting. However, this is demonstrably false. The account is still reporting on my current Equifax credit report as of XX/XX/year>, with the following : Account status : Closed Remarks : Involuntary Repossession Balance : {$11000.00} Payment history still reporting through 2025 This misrepresentation by Equifax shows a failure to accurately reflect dispute results and violates FCRA 611 ( a ) and 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: DC

Complaint narrative:
I am formally disputing the collection account listed under XXXX XXXX XXXX as reported on my Experian credit file on XX/XX/year>, with a balance of {$690.00}. According to the information provided by Experian, the debt was only stated as " reported '' and not verified. Under the Fair Credit Reporting Act ( FCRA ) Section 609 and 611, I have the right to request actual proof of verification and the original contract bearing my signature.

Reporting an account as verified without providing supporting documentation violates the FCRA. Experian has not furnished me with any documentation that substantiates this debt including but not limited to the original signed agreement or full itemization of the debt from the original creditor. Stating a debt is reported is not the same as verified. Without proper verification, this listing is considered unsubstantiated and incomplete, and therefore must be removed from my credit file. 

Should you fail to remove this unverifiable item, I will pursue further legal action outside of the CFPB COMPLAINT ID XXXX, including filing complaints with the Federal Trade Commission XXXX FTC ) and state attorneys general, and exploring civil remedies under FCRA for damages caused by inaccurate reporting.

I am requesting that you respond to this matter within the required 30-day timeframe. If this account is not removed, I will escalate this matter further. This is my formal written notice.

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 2025-05-19 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief