vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and fo

und one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Westlake Services, LLC
State: MO

Complaint narrative:
They agreed to waive it, put payments in the end, and a few other things I could keep up. I needed to fault on two payment and could resumed normally. I became homeless and am XXXX, am selective mute, they know this I asked for communication via email but they keep sending the same thing no matter how many times I respond and are calling 15 plus times a day. I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian finally brought my credit up to fair with XXXX credit score. But should be much better. My information concerning credit age, new credit, et. All says 1 month. I have no new credit one month old. Brought my score down. Also says my old credit is 1 month old. Brought my score down. As matter of fact. The whole page says 1 month old on everything. I feel whoever is behind this is doing this deliberately. Hurting my score, falsifying my information, keeping me from being able to purchase or even rent a home. This has gone on long enough!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I have address that need to be updated and they will not do it havent lived at address over 5 years per I only have One Name and its XXXX XXXX they have my Name different ways and I need changed my address is XXXX XXXX XXXX XXXX XXXX ga XXXX Thanks

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 2025-07-02 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-02 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-02 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 2025-07-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against HP SEARS regarding an account I have with them XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : HP SEARS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with HP SEARS buttonoavail.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
The account with Regional Acceptance Company relates to a repossession and resale of a vehicle. Under Louisiana law-including the XXXX XXXX XXXX XXXX. XXXX et seq., as well as the State Retail Installment Sales Act ( XXXX ) and the Motor Vehicle Installment Sales Act ( XXXX XXXX ) -- a deficiency balance can not be lawfully claimed unless all requisite notices were properly and timely provided, and all redemption and cure periods were observed. To the best of my knowledge, these requirements were not fulfilled. Pursuant to Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure the accuracy and completeness of information provided to consumer reporting agencies.

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 2025-07-02 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: CA

Complaint narrative:
I asked the company to investigate this matter because there are inaccurate information on my credit report regarding this company. Its ruining my 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I had a and debit card stolen, and claimed that there were fraudulent charges on my account. I was initially credited the funds, but after a review, the bank found that these charges had been authorized. How ever, I was never physically in the places where the card was used, and was also told that the charges had been refunded because their investigation concluded that a pin number was used, however a number of these charges do not require the entering of a PIN number. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I am invoking my rights under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2 ( a ) [ FCRA Section 605B ], to formally request the blocking and permanent deletion of the following fraudulent and inaccurate accounts.

These accounts contain erroneous charge-off statuses, inflated balances, and other details inconsistent with my actual credit history. 

Below is a detailed list of accounts that must be removed immediately : XXXX. XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) - Balance : {$18000.00} - Date Reported : XX/XX/XXXX - Status : Unpaid / Rental Leasing - Date of Last Payment : Not reported - Comment : 'Consumer disputes this account information ' XXXX. XXXXXXXX XXXX XXXX  - Balance : {$3800.00} ( Charged-Off ) - Past Due : {$3800.00} - Date of Last Payment : XX/XX/XXXXXXXX  - Date Reported : XX/XX/XXXXXXXX  - Account Status : Closed XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$2800.00} ( Charged-Off ) - Past Due : {$2800.00} - Date of Last Payment : XX/XX/XXXXXXXX  - Date Reported : XX/XX/XXXX - Status : Closed XXXX. XXXX XXXX XXXXXXXX - Balance : {$0.00} - Date of Last Payment : XX/XX/XXXX - Date Reported : XX/XX/XXXX - Status : Paid and Closed XXXX. XXXX XXXX XXXX - Balance : {$0.00} - High Balance : {$13000.00} - Last Payment : XX/XX/XXXX - Reported : XX/XX/XXXX - Status : Transferred/Sold XXXX. XXXX XXXX XXXX, XXXX XXXX - Balance : {$13000.00} ( Debt Buyer Account ) - Last Payment : Unknown - Date Opened : XX/XX/XXXX - Reported : XX/XX/XXXX - Status : Closed XXXX. XXXX XXXX XXXX XXXX - Balance : {$6000.00} ( Debt Buyer Account ) - Last Payment : Unknown - Date Opened : XX/XX/XXXX - Reported : XX/XX/XXXX - Status : Closed These accounts do not belong to me, and their continued presence on my credit report is damaging and unlawful. I did not open these accounts, authorize their creation, nor do I have any knowledge of the alleged debts. Their inclusion is a direct result of identity theft. 

Pursuant to FCRA 605B, you are required to block the reporting of these items within four ( 4 ) business days of receiving : - A copy of my government-issued photo identification ; - Proof of address ( e.g., utility bill or bank statement ) ; - A copy of my Identity Theft Report filed with a law enforcement agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX ( Cash App Tag : XXXX XXXX ). I am filing a formal complaint against Cash App XXXX XXXX, a subsidiary of Block , Inc., doing business as Cash App regarding the unauthorized withholding of funds and misleading communications about the eligibility for return. 

In XX/XX/year>, Cash App Investing withheld funds from my account, allegedly due to a tax identification mismatch. I was instructed to submit updated information, which I did, including a valid Social Security Number and an image of my Social Security card. Their system acknowledged receipt with a message stating, Thankswell take it from here. 

Despite following all instructions, the funds were not returned. After I mentioned legal action, Cash App sent a follow-up email stating that even if information is updated, withheld funds can not be releasedsomething that was never disclosed during our earlier communication. 

I also want to make it clear that the funds in question originated from my workers ' compensation benefits, which are not subject to federal income tax under IRS rules. I do not file tax returns because my income is legally non-taxable. Expecting me to recover the funds through a tax return process I am not required to participate in is unreasonable and discriminatory. 

Furthermore, I only profited approximately {$80.00}, and they claimed 24 % would be withheld. However, the amount they took exceeds 24 % of that {$80.00}, raising questions about how the withholding was calculated. 

This situation has caused serious emotional stress and financial hardship. I am asking the CFPB to investigate Cash Apps withholding practices, failure to honor platform confirmations, and lack of transparency with users. 

Additionally, I am willing to forward and provide copies of all email communications between myself and Cash App Investing representatives. This matter was handled by multiple individuals at their support center, which caused further confusion and inconsistent information. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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