vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian wont let me make an account on their website to lock my credit report online! Ive tried calling their number, message them on their social media accounts, and even uploaded documents to their documents verification website to show that its really me! However nothing has worked so far! Its extremely frustrating!!

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 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I grabbed this loan a few years back to help me catch up with my other bills. The agreement was a interest rated loan, that I could have paid back in a year or XXXX. Fast forward to today, I have spoken with them to see what is the hold up as to why this load still hasnt been paid off. For XXXX XXXX I have been paying {$280.00} biweekly. Only {$40.00} goes towards my principal while this balance grows with these administrative fees. I have asked for a breakdown, some clarity as to WHAT that entails and no answer. No one knows! That is insane. How do we go from an interest payment to whatever scale we like that fluctuates as they please. 

At this point, I refuse to pay anymore to this loan without a clear break down of their fees, promissory note, and some reconfiguration where my payments are actually going towards the principal that it will rid me of this loan as they promised me it would ( timeline was given of XXXX and I still have a {$4800.00} balance ) Please help me with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
In XXXX  I had join XXXX XXXX in XXXX, NJ and got a basic membership less than {$20.00} dollars a month. I cancel this membership last year because I was not longer going to the gym. First I did two attempts to cancel my membership in person by visiting the gym place but I couldn't because the manager wasn't there that's what I was told by the people working. 
So I cancel this membership online last year XX/XX/XXXX through email by placing a ticket and XXXX XXXX costumer service reach back to me on the XX/XX/XXXX. 

In XXXX, I was received multiple emails from XXXX XXXX saying my auto pay monthly payment has been declined even thought when I would go to my back account I would see the money has been taken out already so I didn't though anything of it. 

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX I was receiving this email saying my I had a past due balance with XXXX XXXX followed by the amount own and " This is your final notice- please update your account today to avoid having your membership terminated and sent to collections for non-payment of membership fees. '' I am not sure why am I getting a debt collector calling me and sending me emails saying if I don't pay this debt my credit score would be damage and keeps insisting for me to make a payment. The debt collector company that email me is Aldous & Associates today they call me with the phone number ( XXXX ) XXXX their email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I am writing to dispute an inaccurate account on my TransUnion/Experian credit report. The account from XXXX appears on my TransUnion/Experian report but was removed from my XXXX  report recently. This discrepancy suggests the account is inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 611 ), I request that you investigate this account and remove it from my report, as Equifax has done. Enclosed are : - A copy of my XXXX  report showing the accounts removal. 

Please provide a written response within 30 days, as required by FCRA 611 ( a ) ( 6 ). Contact me if you need additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
When I signed up for the XXXX credit card I was given XXXX XXXX off my purchase which was {$65.00} at the time. And I proceeded to pay it off as soon as I could that was on XX/XX/year> and I received a confirmation. My mistake was forgetting about the transaction and not checking it. I also wanted to cancel the card right after seeing the apr and fees. However they made it such a difficult process to do and now XXXX stuck with a total of {$98.00} and I dont want to have it continue to grow. The payment options dont work and XXXX afraid if I mail it will it be sent back?! This is absolutely ridiculous and shouldnt be so difficult to pay off!! And i read the emal i received I am aware it would take a while, but for so long for me to know that my payment did not go through?? No warning and no way of knowing that!! If I known sooner I would have fixed it. And the comenity bank kept calling me however I didnt know why and I was confused as to why they were calling me had i known it was for that I would have answered so much sooner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I had paid the debt owed original to the rent on the date given and was evicted regardless and charged rent again saying I did not pay this debt I have a check statement that was cashed by the rental company for the rent not only evicting me on false ground but has attacked my credit and when attempting to pay this debt at any point has been openly hostile and dismissive to my claim and rejected any proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am submitting a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair business practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective action to prevent and address fraud on its platform, which left my account exposed and unprotected.

Additionally, their dispute resolution process was both unfair and deceptive. They did not adhere to the error resolution procedures required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result of these failures, I have experienced considerable inconvenience and financial loss. I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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, XXXXXXXX XXXX XXXX  card has violated my rights. Under 15 usc 1681 section 602 it states that I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. XXXX card has also violated my rights by excessively harassing me with multiple phone calls after I have asked them to stop calling me. They call all day and after hours.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX  card has violated my rights. Under 15 usc 1681 section 602 it states that I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor can not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. XXXX card has also violated my rights by excessively harassing me with multiple phone calls after I have asked them to stop calling me. They call all day and after hours.

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 2025-05-21 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: CO

Complaint narrative:
I am filing a complaint against XXXX XXXX  for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( a ), 605, and 611. 

This account was opened in XXXX and had its last activity in XXXX, yet the furnisher is reporting a charge-off status every single month through XXXX, XXXX, XXXX, and even XXXX. The account is closed and has a {$0.00} balance. Continuing to report this as an active charge-off monthly for years is factually inaccurate and artificially inflates the derogatory impact of the account on my credit report. 

This violates Metro2 compliance and FCRA standards, which prohibit repeated delinquency reporting after an account is charged off and closed. 

I previously disputed this with Equifax and Experian, but the inaccurate data remains. I am now asking the CFPB to step in and require : 1. Deletion of the XXXX XXXX tradeline from all consumer credit reports 2. Or a correction to reflect only a one-time charge-off, with no additional post-closure derogatory marks Ive attached my dispute letter and screenshots that support this request. Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this letter as an urgent update to my existing complaint regarding XXXX and the credit reporting agencies ( Equifax, TransUnion, and XXXX XXXX. My name is XXXX XXXX. 

Despite XXXX previously admitting fault for reporting two of my federal student loans as 90 days delinquentwhen no payment was due because the loans were placed in Total and Permanent XXXX ( TPD ) Indefinite Administrative Forbearancethe issue has now escalated. 

On XX/XX/XXXX, Equifax again updated my DEPT OF ED account to reflect a status of 90 Days Late, dropping my credit score to XXXX a XXXX-point decrease in just days. This is a repeat of the same false reporting that XXXX had already acknowledged and claimed to have corrected. 

All eight of my XXXX XXXX  remain in forbearance with {$0.00} monthly payment due and the next payment not scheduled until XX/XX/XXXX. None of the loans are delinquent or in repayment status. I have attached a summary of the loans and their current status. 

This repeated misreporting has caused severe harm to my credit, including multiple credit limit reductions totaling over {$70000.00}, loss of business credit, emotional XXXX  and financial disruption. The Current label previously used by XXXX and the credit bureaus does not erase the harm done, and the re-reporting of delinquency only compounds that injury. 

I respectfully request immediate intervention to ensure : Full removal of all false delinquency notations from all credit bureaus. 

Accurate reflection of my loans as in forbearance, not current or past due. 

Accountability for repeated misreporting and failure to maintain data accuracy. 

Please advise if further documentation is needed. I am prepared to provide supporting statements, screenshots, and previous communications from XXXX and the credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX, I submitted a formal identity theft dispute to the credit bureaus under FCRA Section 605B. My dispute included : An FTC Identity Theft Report, A signed and notarized affidavit, A written request for removal of fraudulent information as outlined in 605B. 

Despite providing all legally required documentation and clearly identifying the fraudulent accounts, the credit bureaus have failed to remove the inaccurate and unauthorized information from my credit reports within the required timeframe. 

I am exercising my rights under FCRA Section 605B, which mandates that credit reporting agencies must block and remove any information resulting from identity theft within four ( 4 ) business days of receiving a valid request. 

Their refusal to comply violates federal law. I am requesting the CFPB to investigate this matter and ensure the immediate removal of the fraudulent accounts from my credit reports. I have attached all documentation previously submitted to the bureaus as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I am filing a complaint against XXXX XXXXXXXX for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
The account In question is : Creditor : XXXX XXXX XXXX Account Number ( Last 4 digits ) : XXXX Balance Reported : {$4000.00} Current Status : Charged Off Additional Issue : Account has been closed and transferred to XXXX XXXX XXXX, who is not reporting the account. 
XXXX XXXX has informed me that this account was closed and transferred to a third-party collection agency ( XXXX XXXXXXXX XXXX ). However, XXXX is not reporting this account, and XXXX XXXX continues to report it as charged off with a {$4000.00} balance on my credit report. 
This is a violation of the FCRA. Under FCRA 1681s-2 ( a ), furnishers must report data accurately and must not mislead. If the debt has been transferred or sold, XXXX  XXXX must : Update the balance to {$0.00}, and Mark the account as transferred or sold Continuing to report a {$4000.00} balance after transfer creates a false impression that I owe this debt to XXXX XXXXXXXX, which is inaccurate and damaging to my credit. 
I have disputed this directly with the credit bureaus and XXXX XXXX, but the error has not been corrected. This misreporting is materially affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief