vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Act and request a thorough investigation into this fraudulent account as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumers disputes, citing " SHAM investigations '' and other unlawful practices as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer dispute properly. Reinserting previously disputed and inaccurate fraudulent information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Please remove this is not mine I require that this account to be deleted from my consumer file immediately. Failure to comply will result in legal action to protect my rights. These violations constitute Aggravated Identity Theft under 18 USC 1028 A ( a ) ( i ) a felony offense. I am seeking the following compensations : 1. Permissible purpose- {$1000.00} 2. Defamation of character - {$1000.00} 3. Damaged reputation - {$1000.00} 4. Damaged credit worthiness - {$1000.00} 5. Damaged made of living - {$1000.00} 6. Infringed rights to privacy - {$1000.00} Cease the reporting of this fraudulent information immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX//2025 XXXX XXXX XXXX/XXXX/2025

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 2025-03-26 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX//2025 XXXX XXXX XXXX/XXXX/2025

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 2025-03-26 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
I contacted XXXX XXXX about making a payment on my acct on XX/XX/2024 @ XXXX PM in the afternoon according to phone records I submitted a payment of XXXX with my visa ending in XXXX. I noticed that after 45 days or so it was still reporting as an open account that hadn't been paid off. I asked them who was the original creditor and they stated " NO INFO '' found. So why is it still on my report? THIS ACCOUNT IS REPORTING TO ALL CREDIT BUREAUS XXXX, XXXX AND XXXX, I want this off! This is freaking illegal! they are scamming hard working Americans and ruining lives! please remove the account off my credit report. My name is XXXX XXXX. I can not provide the account number in this complaint because cfpb stated NOT TO on this page. Thanks! FIND THE PROOF OF PAYMENT EMAIL ATTACHED TO THIS COMPLAINT! ITS LITERALLY THE PROOF OF PAYMENT MADE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
Im writing to formally dispute an account listed on my credit report that is currently in pending litigation. This account is inaccurately reflected, and I need it removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
Inaccurate and Conflicting Account Reporting Request for Deletion Under 15 U.S. Code 1681i and 1681c-2 I am submitting this complaint regarding Experians failure to delete inaccurate and conflicting information from my credit report following a recent dispute regarding the following account : Account in Question : Creditor : XXXX XXXX XXXX  Account Number : XXXX .... 

Date Opened : XX/XX/XXXX Status : Paid, Closed, {$60.00} Written Off Dispute Outcome Date : XX/XX/XXXX After disputing this item, Experian claimed it had been updated. However, the record continues to reflect multiple conflicting statuses and an extensive history of derogatory information, including : A charge-off reported as recently as XX/XX/XXXX, despite being marked Paid, Closed Delinquency markers reported across multiple months A {$60.00} balance noted as written off, despite no clear or consistent resolution This reporting is not only misleading but in direct violation of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i, for failing to conduct a reasonable reinvestigation and remove inaccurate information 15 U.S. Code 1681c-2, for failing to block or remove information that can not be verified or that results from an error Experian is reporting multiple charts, statuses, and conflicting data for one single closed account, which is not only inconsistent, but it has caused measurable damage to my creditworthiness. The continued presence of this account, especially in its current contradictory state, is unjustified and must be permanently deleted.

This account does not meet the legal requirements for accuracy, consistency, or verifiability as defined by federal law. The damage to my credit profile has already occurred, and I am requesting the CFPBs immediate intervention to enforce deletion of this account from my Experian credit file. 

Attached documents include : A copy of Experians dispute response dated XX/XX/XXXX Screenshots of the credit report showing conflicting account information and payment history A summary of how Experians reporting fails to comply with FCRA standards

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 2025-03-26 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 ACCOUNT : XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602 A. STATES | 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 ACCOUNT : XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602 A. STATES | 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

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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX XXXX XXXX {$3000.00} was fraudulent taking out ofmy cash app I immediately reported it was rold inwould get a refund and I have yet to recieve my it but they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged separately for an annual fee, despite the contract stating it would be added to the account balance resulting in all kinds of accounting errors and them reporting me to collections and 30 days late. They assess an annual fee of {$65.00} for servicing of a HELOC accounts. I had my acct. on autopay and pay {$35.00} extra a month. They reported me XXXX days late after they billed me the annual fee independent of the account balance, despite the contract stating it will be added to the acct balance. So they satisfied my monthly payment but reported me late on the {$30.00} dollars left over from " paying the annual fee. '' This is absolutely not adding to the acct. balance as the contract states. They tried to blur me with their interpretation of what the acct balance is and then tried to tell me that the fee is due the month it is assessed, again despite it stating in the contract signed by both parties that the " fee would be added to the acct balance. '' They did not work with me, claims they called but " my mailbox was full, '' despite it never being full. Then they received a 2nd auto payment on day 30 after the last payment satisfying their left over 30 dollars they claimed I owed on top of my monthly payment due. Despite the payment being processed on the XXXX day they still reported me XXXX days late to all XXXX credits bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX XXXX  acct # : 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 2025-03-26 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:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXX XXXX XXXX  acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and Experian, as consum

er reporting agencies, are obligated to uphold these principles. Additionally, under 15 U.S.C. 6801, financial institutions have a duty to protect the privacy and confidentiality of customers nonpublic personal information. Under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written consent of the
consumer. However, neither Equifax, Experian, nor the furnisher of this information have obtained my explicit written consent to report this data. I formally revoke any previous consent, whether verbal, written, implied, or otherwise. Furthermore, 15 U.S.C. 6802 ( b ) ( c ) states that financial institutions can not disclose nonpublic personal information to third parties without providing consumers the option to opt out, which I was never informed of.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report if it is older than seven years ( excluding criminal convictions ). The reported account is an adverse item and is being furnished without my authorization, which is a violation of the law. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. Equifax and Experian are also required under 15 U.S.C. 1681e to maintain reasonable procedures to prevent violations and ensure reports are only furnished for lawful purposes. Their failure to do so constitutes a violation.

Lastly, under 12 CFR 1016.7, consumers have the right to opt out at any time. Given these legal provisions, I am asserting my rights and requesting that my information be removed from Equifax, Transunion and Experians records immediately.

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 2025-03-26 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies are required to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and Experian, as consum

er reporting agencies, are obligated to uphold these principles. Additionally, under 15 U.S.C. 6801, financial institutions have a duty to protect the privacy and confidentiality of customers nonpublic personal information. Under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written consent of the
consumer. However, neither Equifax, Experian, nor the furnisher of this information have obtained my explicit written consent to report this data. I formally revoke any previous consent, whether verbal, written, implied, or otherwise. Furthermore, 15 U.S.C. 6802 ( b ) ( c ) states that financial institutions can not disclose nonpublic personal information to third parties without providing consumers the option to opt out, which I was never informed of.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report if it is older than seven years ( excluding criminal convictions ). The reported account is an adverse item and is being furnished without my authorization, which is a violation of the law. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. Equifax and Experian are also required under 15 U.S.C. 1681e to maintain reasonable procedures to prevent violations and ensure reports are only furnished for lawful purposes. Their failure to do so constitutes a violation.

Lastly, under 12 CFR 1016.7, consumers have the right to opt out at any time. Given these legal provisions, I am asserting my rights and requesting that my information be removed from Equifax, Transunion and Experians records immediately.

Company response to consumer: Closed with explanation