vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting s
ervices with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-01 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: Experian Information Solutions Inc.
State: NC

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 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 2025-05-01 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: FL

Complaint narrative:
Subject : Immediate and Unyielding Demand for Rectification of Credit Data- Blatant Disregard of 15 U.S. Code 1666b and Other FCRA Regulations I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report .. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 
I am absolutely appalled by the fact that, in accordance with 15 U.S. Code 1666b, creditors are required to send out periodic statements, including all information mandated by section 1637 ( b ), a minimum of 21 days before the payment due date. This mandatory requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without incurring unfair penalties for lateness.

Moreover, the utterly despicable Fair Credit Reporting Act ( FCRA ), particularly abhorrent sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or deficient information in credit reports and ensure the highest level of accuracy in the information contained in consumer files.

Moreover, it is imperative to highlight the strict requirements outlined in the Protection Against Non-Payment of Obligations Act ( PAANL ), insisting that creditors are obligated to promptly send out statements to avoid any unjust consequences for consumers.

Furthermore, as mandated by the FCRA, sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for intentional and negligent noncompliance, respectively. These provisions demand for compensation, including actual damages, legal costs, and potential punitive damages, for failing to comply with the requirements of the Act.

I am utterly appalled by the flagrant disrespect shown towards these regulations, resulting in the unfortunate tardiness of payments reflected on my credit report. Such despicable conduct has severely damaged my credit score, a clear violation of my rights as guaranteed by the FCRA.

I insist on a prompt reexamination of my disagreement and correction of any inaccurate details regarding these tardy payments on my credit report. Below are the particulars of the affected payments : Date of reported late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2025-05-01 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: OH

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 effectively measures to prevent and 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
Account was closed with money in the account. Merchant refuses to release funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
I received a call around XX/XX/year>XXXX  stating my account was sent to collections for an unpaid debt. I didnt understand because I didnt open up any accounts and all my previous cards were paid off. 

I asked the rep to send me the info and she sent me an email with the forms for the product that was bought and the company used to lease it. 

My email was wrong so I knew this was fraud. I saw it pops up on my credit awhile after and tried to dispute it multiple times, but it never was resolved. 

Info : Date : XX/XX/year>XXXX  Agreement Number : XXXX Lessor : XXXX XXXX, XXXX. Lessee/Rental Lessor Address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX XXXX XXXX. DESCRIPTION OF MERCHANDISE Item Description/Model # Serial # XXXX XXXX ( XXXX ) ( XXXX ) XXXX Model Year/Age Condition of Merchandise New Item Description/Model # Serial # Model Year/Age Condition of Merchandise Cash Price : {$450.00} Damage to Merchandise : None

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

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. 
Account 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 XXXXhas 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 : It also states a consumer reporting agency can not furnish a account without my written instructions U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following ms 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 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 2025-05-01 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:
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. 
Account 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 XXXXhas 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 : It also states a consumer reporting agency can not furnish a account without my written instructions U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following ms 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 non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, My capital one account was hacked and there are XXXX payments made to someone named XXXX XXXX through XXXX with the phone number XXXX for XXXX payments of {$750.00} out of my account so {$1500.00} total. The first one was on XX/XX/XXXX and the second one was on XX/XX/XXXX. So these seem to be reoccurring/scheduled payments and I did not realize that this was happening. I have now locked my account but I would appreciate any help to get this money back please and their account reported as this is my college money that was being set aside. I have reached out to capital one as well but they are not willing to help as it is a XXXX transaction despite my account being hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$24000.00} Past Due Amount : {$8800.00} Status : Charged Off Upon reviewing my credit report, I found several discrepancies that are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ) : The account status is reported as charged off, yet monthly notations of CO continue to appear. A charge-off is a one-time accounting event not an ongoing status. Repeated monthly reporting of a charge-off is inaccurate and misleading.

The balance reflects both a past due amount of {$8800.00} and a written-off amount of {$24000.00}. These figures are inconsistent. If the account was written off or charged off in full, a remaining past-due balance should not be reported unle
ss properly substantiated.

This debt was reported to the IRS as canceled or forgiven via IRS Form 1099-C , continuing to report the debt as collectible and charging off amounts monthly may amount to double reporting or misrepresentation, violating the FCRA and potentially other federal laws.

I hereby request : A reinvestigation of the accuracy of this accounts reporting ; Written clarification regarding whether a 1099-C was issued because I did not recieve ; Removal or correction of any inaccurate, outdated, or misleading information.

Please consider this a formal dispute under the FCRA. You are required to complete your investigation and respond within 30 days. If unresolved, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or take legal action to protect my consumer rights.

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 2025-05-01 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$24000.00} Past Due Amount : {$8800.00} Status : Charged Off Upon reviewing my credit report, I found several discrepancies that are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2 and 15 U.S.C. 1681e ( b ) : The account status is reported as charged off, yet monthly notations of CO continue to appear. A charge-off is a one-time accounting event not an ongoing status. Repeated monthly reporting of a charge-off is inaccurate and misleading.

The balance reflects both a past due amount of {$8800.00} and a written-off amount of {$24000.00}. These figures are inconsistent. If the account was written off or charged off in full, a remaining past-due balance should not be reported unless properly substantiated.

This debt was reported to the IRS as canceled or forgiven via IRS Form 1099-C , continuing to report the debt as collectible and charging off amounts monthly may amount to double reporting or misrepresentation, violating the FCRA and potentially other federal laws.

I hereby request : A reinvestigation of the accuracy of this accounts reporting ; Written clarification regarding whether a 1099-C was issued because I did not recieve ; Removal or correction of any inaccurate, outdated, or misleading information. 

Please consider this a formal dispute under the FCRA. You are required to complete your investigation and respond within 30 days. If unresolved, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or take legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I see that a bank account with XXXX XXXX, XXXX XXXX, XXXX XXXX, and also XXXX  XXXX XXXX has been opened without my consent or knowledge.

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 2025-05-01 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: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX ( Bank ) XXXX XXXX, XXXX  XXXX XXXX ( Bank ) 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation