vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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:
Credit I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below Credit I looked at my account on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  date XXXX  shows date opened XX/XX/XXXX and date last active as of XX/XX/XXXX number of terms 0 last reported XX/XX/XXXX Experian date opened XX/XX/XXXX no of terms 1 payment status collection last reported XX/XX/XXXX paste date active XX/XX/XXXX XXXX  Shows date opened as XX/XX/XXXX and the last date of activity on this account XX/XX/XXXX payment status of 120 days late I am asking you to reinvestigate this account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

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 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Hi I found 29 unauthorized fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to remove those unauthorized inquiries from my credit 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 non-monetary relief
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
I have a credit card account with XXXX XXXX XXXXXXXX ( account * * XXXX ). I have been disputing inaccurate late payment reporting on my credit report for XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's records incorrectly show that I made late payments for those months. However, I have provided XXXX XXXX XXXX with evidence that shows I had a {$0.00} balance due for both of those months. This evidence includes account statements from XX/XX/XXXX, and XX/XX/XXXX, both showing {$0.00} due, as well as email notifications from XXXX XXXX  XXXX dated XX/XX/XXXX, and XX/XX/XXXX, reiterating that no payment was due. 

I have sent multiple disputes to XXXX XXXX XXXXXXXX, including a formal complaint letter dated XX/XX/XXXX, but they continue to validate the debt instead of addressing the inaccurate late payment reporting. This demonstrates a failure by XXXX XXXX XXXX to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The inaccurate late payment information is negatively impacting my XXXX XXXX and has caused a significant delay in the purchase of a home.

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 2025-04-20 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 have a credit card account with XXXX XXXX XXXXXXXX ( account * * XXXX ). I have been disputing inaccurate late payment reporting on my credit report for XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's records incorrectly show that I made late payments for those months. However, I have provided XXXX XXXX XXXXXXXX with evidence that shows I had a {$0.00} balance due for both of those months. This evidence includes account statements from XX/XX/XXXX, and XX/XX/XXXX, both showing {$0.00} due, as well as email notifications from XXXX XXXX XXXXXXXX dated XX/XX/XXXX, and XX/XX/XXXX, reiterating that no payment was due. 

I have sent multiple disputes to XXXX XXXX XXXXXXXX, including a formal complaint letter dated XX/XX/XXXX, but they continue to validate the debt instead of addressing the inaccurate late payment reporting. This demonstrates a failure by XXXX XXXX XXXX to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The inaccurate late payment information is negatively impacting my credit score and has caused a significant delay in the purchase of a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
I have a credit card account with XXXX XXXX XXXX ( account * * XXXX ). I have been disputing inaccurate late payment reporting on my credit report for XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's records incorrectly show that I made late payments for those months. However, I have provided XXXX XXXX XXXX with evidence that shows I had a {$0.00} balance due for both of those months. This evidence includes account statements from XX/XX/XXXX, and XX/XX/XXXX, both showing {$0.00} due, as well as email notifications from XXXX XXXX XXXXXXXX dated XX/XX/XXXX, and XX/XX/XXXX, reiterating that no payment was due. 

I have sent multiple disputes to XXXX XXXX XXXXXXXX, including a formal complaint letter dated XX/XX/XXXX, but they continue to validate the debt instead of addressing the inaccurate late payment reporting. This demonstrates a failure by XXXX  XXXX XXXX to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The inaccurate late payment information is negatively impacting my XXXX XXXX and has caused a significant delay in the purchase of a home.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A Capital One credit card account is still reporting on my XXXX  credit report as a charge-off, even though I paid the full balance and the account was closed in XX/XX/2023. 

The account status currently shows : Paid, Closed. {$870.00} written off And still reflects 46 months of consecutive charge-off ( CO ) notations I did not settle the account. I paid the full amount owed directly to the creditor. Despite this, the account is still reported as charged off, and the payment history is filled with negative CO marks even after payment. I never received a XXXX, which should have been issued if any debt was canceled or forgiven further proving the account was paid in full, not written off. 

Under FCRA XXXX ( b ) and XXXX XXXX guidelines, a paid charge-off must be updated to : Paid was a charge-off and any ongoing CO notations must be removed after the payment date. This inaccurate reporting is continuing to damage my credit and misrepresents the true status of the account. 

I disputed this with XXXX, but the account remains unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and potentially damaging information that appears on my credit report maintained by XXXX. I have made multiple attempts to resolve this issue directly with the credit bureau, but to date, the matter remains unresolved. 

Specifically, there are 3 negative items listed on my credit file that I believe to be either inaccurate, outdated, or unverifiable. I have submitted disputes through the proper XXXX channels and provided documentation to support my claims. However, these items have not been removed, nor have I received sufficient information verifying their accuracy. 

The failure to correct or remove these items is negatively impacting my XXXX XXXX and financial well-being. I am requesting the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring that XXXX adheres to the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of only accurate and verifiable information. 

Please find below the summary of disputed items : 1. XXXX XXXX XXXX - XXXX 2. XXXX - XXXX 3. XXXX XXXX XXXX XXXX - XXXX I appreciate your time and attention to this matter, and I hope for a prompt resolution. In addition According to FCRA SECTION 605B, it is illegal to report anything on my credit report without my permission. Please remove negative items. Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Ny, XXXX XXXX XXXX/25

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
XXXX is not forthcoming about the issue. They have decided to ignore my credit correction letters, stating it seems to be a " credit repair organization, '' and they are not required to investigate. 

They are stalling to correct the negative and slanderous information they placed on my credit file. My account was in a forbearance status. 

After I resolved my unemployment dilemma, I did not accept their unfair and exploitative loan modification program. I caught up on past due payments during the forbearance period ; They wrongfully listed my accounts as past due twice during the forbearance period. They have severely destroyed my above average credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulatuon 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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: CO

Complaint narrative:
Cash App chronological events : On XX/XX/XXXX I tried to log into my account and it was locked. I call Cash App customer support to find out why. I was briefly able to see my activity and noticed a fraudulent charge by XXXX XXXX XXXX XXXX attempt that was declined by Cash App. I mentioned it to the customer service rep at the time, I told the rep it must not go through. The tone of the call went immediately changed from trying to help me to elusive and terse tone in her voice. My account was locked so a suspicious activity investigation being performed and I was told the case is now under fraud review there will be no more communication via phone you will receive an email. I didnt receive the email so I tried to do a chat. The chat was an exercise in frustration. I was asked pointed questions that seemingly accused me of the fraud. The chat asked me a series of question that I answered and was told the case is closed if I didnt answer. I was then ignored after typing it wasnt closed and I answered the questions. The whole thing was the worst service I had ever received and I was in complete dismay as to what they ( Cash App ) were up to! 
On XX/XX/XXXX XXXX I called Cash App again. The account was to be unlocked at XXXX central time. Once it was unlocked, I tried to get in and was still unable to. I called and had to go through hoops to get in. The Cash App rep told me to create another account with my info and she would transfer my phone number to the old account. I noticed a phone number that was not mine nor did I recognize it. I told the rep this at that moment. I was instructed to use my number to log in. Once in the account I saw the transaction from XXXX XXXX XXXX XXXX went through and it was my entire balance. I also noticed another fraudulent attempt to pay someone I didnt know it was rejected as there was no funds in my account. In addition to the fraudulent charges, I noticed XXXX new device logins to my account. I know XXXX were from me trying to login with the devices that should be allowed ( my phone and computer ). There was XXXX from XX/XX/XXXX. This was not from me. It appears this is when the hacker accessed my account. 
On XX/XX/XXXX, I reported the incident to the local authorities and they had questions about transaction numbers and exact location of the transaction. I called Cash App to get this information. I was told they wouldnt provide that information it would come to me in an email I asked the rep to request the email be sent to me. He refused rudely and told me to watch my emailstill no email. I am being denied all information regarding the transactions or anything else. I asked for a way to contact the Fraud dept. He said he wouldnt and would eve try. The rep said he would file the issue as a complaint and would do nothing else. He was rude and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

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 2025-04-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

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 2025-04-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX Date of Reported Late Payment : XXXX. XXXX, XXXX XXXX XX/XX/XXXX Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX Last XXXX of 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX Date of Reported Late Payment : XXXX. XXXX, XXXX XXXX XX/XX/XXXX Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief