vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject : Formal Complaint Against Equifax for Failure to Correct Inaccurate and Unverified Credit Reporting To Whom It May Concern, I am filing this complaint to bring attention to multiple inaccurate, outdated, and unverifiable accounts that Equifax Information Services continues to report on my credit file, despite numerous disputes submitted in compliance with the Fair Credit Reporting Act ( FCRA ). 

The following accounts remain on my Equifax report and have not been corrected or removed, even though Equifax has not provided legally sufficient verification : XXXX. XXXX XXXX XXXX XXXX of a charged-off account dating back to XXXX, with no recent activity, violating the XXXX limit under 605 ( a ). 


XXXX. XXXX XXXX XXXX XXXX buyer that has failed to validate the account ; no original contract or itemized statements provided. 


XXXX. XXXX XXXX XXXX account sold to XXXX XXXX XXXX but still reflected with inconsistent balance data. 


XXXX. XXXX XXXX XXXX XXXX collection for a previously charged-off account ; unverifiable and misleading. 


XXXX. XXXX XXXX XXXX Continues to report a static balance monthly with no validation or supporting documentation. 


XXXX. XXXX XXXX Account shows charge-off status but the balance continues to grow without recent payments or activity since XXXX. 



These accounts are being reported in violation of : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 605 ( a ) : Continued reporting of obsolete and outdated accounts.

FDCPA 809 ( b ) : In cases involving debt buyers, failure to provide adequate debt validation. 


I have submitted dispute letters with proper documentation, including proof of identity and detailed explanations. To date, Equifax has not provided any documentation to verify the legitimacy of these accounts, nor have they removed unverifiable entries from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EXPERIAN, XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at easternaccos on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In four years, I have an interest rate so high that only about XXXX XXXX dollars was put towards the price of the car. I did not understand, and do not understand this car loan. I looked up this Auto loan company and to my surprise this has happened to several XXXX people through this company. 
I dont want any problems. I want them to take their car back so that I can get my life back again. This is crazy. I cant afford to rip money up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
My account was hacked I received email from western union about change of info XXXXXXXX XXXX XXXX XXXXXXXX time after which series of fraud transactions happening I managed to cancel XXXX and contacted both the bank and western union who denied their responsibility and said they can not reverse the last XXXX How is money picked up in one minute western union need to admit their faulty and Im suspecting their is an internal corruption please check times of the emails confirming the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN IS LEAVING ALL XXXX INQURIERS ON CUSTOMERS CREDIT REPORTS INTIRELY TO LONG THE LAW SAYS FOR XXXX XXXX XXXX XXXX  AND THEY ARE LEAVING THEM ON FOR XXXX TO XXXX  MONTHS WHICH IS UNLAWFUL

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 2025-05-18 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX {$4800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$440.00} Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$570.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX {$4800.00} Date opened XXXX XXXX, XXXX Or XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX {$8400.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Equifax, Experian TransUnion Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] XXXX. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] XXXX. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. Please block the fraudulent information from my credit report within XXXX business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it XXXXay be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ). I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. Sincerely, XXXX XXXX Enclosures :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of the Equifax Data Breach and have unauthorized soft and hard inquires and unauthorized credit in my name and I need these items removed/ deleted at once according to 15 US code 1881. Please respond to me in the proper time slotted. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On my report is inaccurate information. My address information is incorrect, also the balance of XXXX an sum dollars from XXXX hospital is also wrong and need to be taking off because I'm on XXXX and they take care of whatever balance is owed. It's a lot on my report that is wrong, especially my address information. By law you can not report inaccurate information so I would like it removed asap...

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 2025-05-18 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 previously submitted a removal of fraudulent accounts from Transunion CFPB complaint number XXXX. The company Transunion Fails and refuses to comply with the deletion of the fraudulent accounts, and all related reporting/late payments of said accounts XXXX XXXX and XXXXXXXX XXXX I am making second filing complaint to have them removed under the fair debt report act FCRA ) 605B these accounts must be deleted from my credit report withing 30 days of the initial complaint notice its been 41 days.

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 2025-05-18 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: IL

Complaint narrative:
I contacted the company XXXXXXXX XXXX on XX/XX/XXXX to dispute this item that was used for a medical bill on my report. All accounts related to medical bills have been removed from my account. However, this one is not. Please remove this account from my credit report. This account is related to a medical bill and it is federal law that no medical bill related items are to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MN

Complaint narrative:
Accounts I have paid to have removed are still showing on credit report. I was told once I paid account it would be removed. The account was only moved from XXXX area of credit report. XXXX accounts aware still being reported as revolving accounts as well through Experian.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Contemporary Information Corp
State: FL

Complaint narrative:
I disputed inaccurate data on a tenant screening report generated by XXXX. The company responded stating that the data was supplied by Contemporary Information Corporation ( CIC ). The data included an eviction court case that is closed and should no longer be reported. I requested verification and correction directly and received no validation or update from CIC. This resulted in a rental denial and emotional and financial harm. CIC failed to respond under FCRA 611 and continues to furnish unverified, outdated information, violating FCRA 607 ( b ) and 605 ( a ) ( 2 ). I am requesting CFPB enforcement and permanent deletion of the inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
I am now formally requesting detailed proof of the previous investigation regarding the XXXX XXXX XXXX XXXX account on my report. Specifically, I ask that you provide : The method of investigation used The names, business addresses, and phone numbers of any parties contacted Documentation relied upon to verify the reported late payments Proof that this account was actually late on the disputed dates If this information can not be provided within 15 days, I request that the account be corrected to reflect PAID/NEVER LATE and that a copy of my updated credit report be sent to me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
According to 15 USC 1692 c, you have violated my rights by in lawful communications. Please remove this collections off my credit Report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: Credit Karma, LLC
State: GA

Complaint narrative:
I saw on credit karmas website that they offered a program that was to help increase my credit score by opening a savings account by putting {$20.00} a month in the account on XX/XX/XXXX. It didnt seem to be anything that was going to benefit me after a few months of opening the account and in XXXX of XXXX did not make a deposit. By not making a deposit it placed a non payment on my credit report for the month of XXXX which is now going to hinder my chances of purchasing a house that I am under contract for, so I contacted credit karma and spoke to a representative from that specific department in charge of those accounts and told them that the website did not make clear that if I missed making a deposit that it would affect my credit score as if I missed a credit card payment anywhere on the site page and demanded they close that account and how because of that it dropped my credit score greatly. I need that negative credit report to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear, EXPERIAN XXXX XXXX XXXX * * * * Verify Account - XXXX XXXX Code XXXX ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation