vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: OH

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 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 2025-04-03 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: TX

Complaint narrative:
This is a formal dispute regarding an account being inaccurately reported by XXXX XXXX on my Transunion and XXXX credit report. In CFPB Complaint ID XXXX, I previously informed your company that you were reporting an alleged debt that does not belong to me. 

I have attached correspondence from the original creditor, XXXX XXXX, confirming that the alleged debt was sold to another debt collector, not XXXX XXXX. For reference, the CFPB Complaint ID addressing this matter with XXXX XXXX is XXXX. 

Additionally, XXXX XXXX is reporting a balance of {$1000.00}, while XXXX XXXX has verified that the actual balance is only {$400.00}. This discrepancy indicates that your company is not only falsely claiming ownership of this debt but has also illegally inflated the balance, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ). 

Wise Loan directed me to XXXX XXXX at XXXX XXXX XXXX, with whom I have resolved this issue. Given the overwhelming evidence of misrepresentation and improper debt collection practices, I strongly urge XXXX XXXX to remove this fraudulent account from my credit report immediately. 

This matter has been escalated to my attorney, and I will be seeking monetary relief for : Illegal debt collection practices FDCPA violations Emotional and statutory damages Failure to take immediate corrective action will result in further legal proceedings. I expect confirmation of this accounts removal 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 2025-04-03 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: TX

Complaint narrative:
This is a formal dispute regarding an account being inaccurately reported by XXXX XXXX on my XXXX and Experian credit report. In CFPB Complaint ID XXXX, I previously informed your company that you were reporting an alleged debt that does not belong to me. 

I have attached correspondence from the original creditor, XXXX XXXX, confirming that the alleged debt was sold to another debt collector, not XXXX XXXX. For reference, the CFPB Complaint ID addressing this matter with XXXX XXXX is XXXX. 

Additionally, XXXX XXXX is reporting a balance of {$1000.00}, while XXXX XXXX has verified that the actual balance is only {$400.00}. This discrepancy indicates that your company is not only falsely claiming ownership of this debt but has also illegally inflated the balance, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ). 

Wise Loan directed me to XXXX XXXX at XXXX XXXX XXXX, with whom I have resolved this issue. Given the overwhelming evidence of misrepresentation and improper debt collection practices, I strongly urge XXXX XXXX to remove this fraudulent account from my credit report immediately. 

This matter has been escalated to my attorney, and I will be seeking monetary relief for : Illegal debt collection practices FDCPA violations Emotional and statutory damages Failure to take immediate corrective action will result in further legal proceedings. I expect confirmation of this accounts removal 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 explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$5200.00} XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX XXXX XX/XX/XXXX - {$41.00} XXXX  - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$990.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$870.00XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$1500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$23000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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 2025-04-03 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: NV

Complaint narrative:
To Whom It May Concern, This letter serves as my formal dispute regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, I am requesting a proper investigation and immediate deletion of the following unverifiable and erroneous accounts : Late Payments ( Violation of FCRA 1681s-2 ( a ) ) XXXX XXXX XXXX # XXXX This account is reporting late payments, but I have not been provided with proper documentation validating this claim. Under FCRA, furnishers must ensure accuracy. 
Charge-Offs ( Violation of FCRA 1681b, 1681i ) XXXX XXXX XXXX XXXXXXXX This account is inaccurately listed as a charge-off. If the creditor can not verify with proper documentation, it must be deleted. 
XXXX XXXX XXXX # XXXX ( Multiple Instances ) ** This account is duplicated, causing an unfair negative impact on my credit. 
Collections ( Violation of FDCPA 807, FCRA 1681s-2 ( b ) XXXX XXXX XXXX XXXXXXXX This collection account does not contain full chain-of-title documentation, making it unverifiable. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX Please provide signed agreements showing my obligation to pay this. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX Under FCRA 611 ( a ), unverifiable data must be deleted.

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX No validation of this debt was provided upon request. 
XXXX XXXX ( Multiple Original Creditors ) # XXXX, # XXXX, # XXXX Multiple entries for the same debt violate the FCRA and Metro 2 reporting guidelines. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX, # XXXX, # XXXX No documentation proving the legitimacy of these collections. 
Hard Inquiries ( FCRA 1681b Violation ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These inquiries were not authorized and must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX No permissible purpose was provided for this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no record of applying for credit with XXXX. 
Dispute Instructions : Conduct a detailed investigation under FCRA 611 ( a ) and provide verification.

If you can not validate the accuracy of these items, remove them immediately per FCRA 1681i.

Provide me with an update ed report reflecting these changes.

Failure to comply with federal credit reporting standards may result in further action. Please respond within 30 days as required by law. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NV

Complaint narrative:
To Whom It May Concern, This letter serves as my formal dispute regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, I am requesting a proper investigation and immediate deletion of the following unverifiable and erroneous accounts : Late Payments ( Violation of FCRA 1681s-2 ( a ) ) XXXX XXXX XXXX # XXXX This account is reporting late payments, but I have not been provided with proper documentation validating this claim. Under FCRA, furnishers must ensure accuracy. 
Charge-Offs ( Violation of FCRA 1681b, 1681i ) XXXX XXXX XXXX XXXXXXXX This account is inaccurately listed as a charge-off. If the creditor can not verify with proper documentation, it must be deleted. 
XXXX XXXX XXXX # XXXX ( Multiple Instances ) ** This account is duplicated, causing an unfair negative impact on my credit. 
Collections ( Violation of FDCPA 807, FCRA 1681s-2 ( b ) XXXX XXXX XXXX XXXXXXXX This collection account does not contain full chain-of-title documentation, making it unverifiable. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX Please provide signed agreements showing my obligation to pay this. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) # XXXX Under FCRA 611 ( a ), unverifiable data must be deleted.

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX No validation of this debt was provided upon request. 
XXXX XXXX ( Multiple Original Creditors ) # XXXX, # XXXX, # XXXX Multiple entries for the same debt violate the FCRA and Metro 2 reporting guidelines. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX, # XXXX, # XXXX No documentation proving the legitimacy of these collections. 
Hard Inquiries ( FCRA 1681b Violation ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These inquiries were not authorized and must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX No permissible purpose was provided for this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no record of applying for credit with XXXX. 
Dispute Instructions : Conduct a detailed investigation under FCRA 611 ( a ) and provide verification.

If you can not validate the accuracy of these items, remove them immediately per FCRA 1681i.

Provide me with an update ed report reflecting these changes.

Failure to comply with federal credit reporting standards may result in further action. Please respond within 30 days as required by law. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: FL

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 2025-04-03 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: FL

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 non-monetary relief
Consumer complaint received 2025-04-03 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-03 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: MS

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
EXPERIAN, EQUIFAX, AND TRANSUNION are keeping closed accounts, and late payments with charged off accounts, which are still being paid on my credit file illegally. 

They know the CFPB will only sue as a last resort. There are some cases against the big 3 credit reporting agencies, but not enough!

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 2025-04-03 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. This inaccuracy violates federal law and is unjustly affecting my credit standing. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Subject : Complaint Against Nissan Motor Acceptance Company ( NMAC ) for Violations of FCRA and GLBA To Whom It May Concern : I am filing this formal complaint against Nissan Motor Acceptance Company ( NMAC ) for violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). NMAC has unlawfully reported eight late payment entries to my credit profile and failed to provide me with legally required privacy notices or opt-out rights for sharing my personal information. Despite my dispute, NMACs inadequate investigation and refusal to delete these entries have caused me significant financial harm, including mortgage denials. I request the CFPBs intervention to investigate NMACs practices, enforce compliance, and ensure the deletion of these entries and cessation of unauthorized information sharing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters, credit report, etc. ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: FL

Complaint narrative:
I am a business owner. we are using Square as our credit card processing company. 
We had a dispute presented by a customer on XX/XX/2025. 
We contacted the customer immediately, and the customer acknowledges the charges and said it was a mistake done by the office. 
I have received letters, texts and emails from the customer and a letter from the customer 's bank ( XXXX ) that after reviewing the transaction they have determined that the charge is valid. The letter was issued on XX/XX/2025. 
i have submitted the letter, emails and texts to Square and asked them to close the dispute and release the funds that they are holding. 
They are refusing to do so, and saying that they need a cancelation letter from the bank. 
I have contacted the customer and XXXX said that the letter they sent is all that they are sending. 
I have called Square and asked to speak with a manger or supervisor. They wrote my request and said that it takes 24-48 hours for them to reach out to me. 
It was 10 days ago and no one called me back! I have called them every day in the last 10 days and requested to speak with a supervisor. I get the same answer every day but no one reached out. 
I have sent them emails as well requesting answers, and all i get is that the documents I have submitted are not good enough. 
when I try to press for answers, I am being told that I am " aggressive '' and that they don't have to talk to me. 
Square has a scripted screens with answers and they are using the same words no matter what I ask. 
I have asked for an explanation on why the letters I have submitted are not good and the only answer I get is " We need a cancelation letter ''. 
Like I said before, the bank ( chase ) doesn't have a format for a letter like that. 
I also sent them a letter that they re-charged the customer for the transaction and that the customer didn't dispute the recharge. They are refusing to answer me! 
They are holding my money {$1000.00} and damaging my business reputation and inflecting on my personal credit as well. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation