vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
XXXXDear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal lawXXXXAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.XXXXIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.XXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forwardXXXXThank you for your attention to this matter. I look forward to your prompt response.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 2025-06-19 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice.

Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies.

Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXXXXXX Account Number : XXXX Company or Organization : XXXX XXXX  Original Creditor : XXXX XXXX Account Number : 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 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc.
State: TX

Complaint narrative:
I disputed the balance reported by XXXX XXXX XXXX on a rental debt placed in collections. The original lease does not authorize interest or any post-default charges, yet the reported balance has been repeatedly increased ( e.g., from ~ {$1100.00} to {$1200.00} ) despite no payments or activity. I requested documentation, and they mailed a copy of the lease, which confirms there is no provision whatsoever allowing interest or ongoing balance adjustments. I disputed the inflated balance with XXXX, but the collector verified the amount without correcting the issue. The current reporting is inaccurate, misleading, and contractually unsupported, and it is unfairly damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-19 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-19 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: TX

Complaint narrative:
To Whom It May Concern, This is a final written notice regarding a closed account inaccurately reported on my credit file. I have previously disputed the reporting of XXXXXXXX XXXX XXXX which was closed in XX/XX/2022. However, the account continues to reflect late payments well beyond its closure date, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Despite multiple disputes, you have failed to investigate or correct this false information. As mandated by the FCRA, credit reporting agencies must maintain accurate, fair, and verifiable data. Your continued reporting of this closed account as delinquent is a willful and negligent violation of federal law. 

This inaccurate reporting has caused me significant and documented financial harm. Over the last XXXX years, I have experienced : Denials of XXXX XXXX XXXX XXXX XXXXXXXX, Higher interest rates and insurance premiums, A XXXX  credit score that has affected both personal and professional opportunities, And emotional distress due to the persistent damage to my creditworthiness. 

As a result of these ongoing hardships, I am formally demanding financial compensation in the amount of {$15000.00} for : Statutory damages as permitted under FCRA, Actual damages stemming from financial loss and opportunity denial, And emotional damages related to the ongoing impact on my livelihood. 

I am also requesting : The immediate removal or correction of the XXXX XXXX XXXX account from all three major credit bureaus ( XXXX, Equifax, and XXXX  ) ; A written confirmation of the changes and your intended response regarding compensation within XXXX calendar days. 

Failure to respond within this time frame will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also proceed with legal action to seek damages under Sections 616 and 617 of the FCRA, including punitive damages and attorneys fees. 

This is your final opportunity to resolve this matter voluntarily and in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, This is a final written notice regarding a closed account inaccurately reported on my credit file. I have previously disputed the reporting of XXXX CACS CC, which was closed in XX/XX/year>. However, the account continues to reflect late payments well beyond its closure date, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Despite multiple disputes, you have failed to investigate or correct this false information. As mandated by the FCRA, credit reporting agencies must maintain accurate, fair, and verifiable data. Your continued reporting of this closed account as delinquent is a willful and negligent violation of federal law. 

This inaccurate reporting has caused me significant and documented financial harm. Over the last XXXX years, I have experienced : Denials of credit and XXXX XXXX XXXX, XXXX interest rates and insurance premiums, A depressed XXXX XXXX that has affected both personal and professional opportunities, And emotional distress due to the persistent damage to my creditworthiness. 

As a result of these ongoing hardships, I am formally demanding financial compensation in the amount of {$15000.00} for : Statutory damages as permitted under FCRA, Actual damages stemming from financial loss and opportunity denial, And emotional damages related to the ongoing impact on my livelihood. 

I am also requesting : The immediate removal or correction of the XXXX CACS CC account from all three major credit bureaus XXXX XXXX XXXX  and TransUnion ) ; A written confirmation of the changes and your intended response regarding compensation within XXXX calendar days. 

Failure to respond within this time frame will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also proceed with legal action to seek damages under Sections XXXX and XXXX of the FCRA, including punitive damages and attorneys fees. 

This is your final opportunity to resolve this matter voluntarily and in good faith.

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 2025-06-19 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: TX

Complaint narrative:
To Whom It May Concern, This is a final written notice regarding a closed account inaccurately reported on my credit file. I have previously disputed the reporting of XXXX CACS CC, which was closed in XX/XX/year>. However, the account continues to reflect late payments well beyond its closure date, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Despite multiple disputes, you have failed to investigate or correct this false information. As mandated by the FCRA, credit reporting agencies must maintain accurate, fair, and verifiable data. Your continued reporting of this closed account as delinquent is a willful and negligent violation of federal law. 

This inaccurate reporting has caused me significant and documented financial harm. Over the last XXXX years, I have experienced : Denials of credit and XXXX XXXX XXXX, XXXX interest rates and insurance premiums, A depressed XXXX XXXX that has affected both personal and professional opportunities, And emotional distress due to the persistent damage to my creditworthiness. 

As a result of these ongoing hardships, I am formally demanding financial compensation in the amount of {$15000.00} for : Statutory damages as permitted under FCRA, Actual damages stemming from financial loss and opportunity denial, And emotional damages related to the ongoing impact on my livelihood. 

I am also requesting : The immediate removal or correction of the XXXX CACS CC account from all three major credit bureaus ( Experian, XXXX XXXX XXXX  ) ; A written confirmation of the changes and your intended response regarding compensation within XXXX calendar days. 

Failure to respond within this time frame will result in the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also proceed with legal action to seek damages under Sections XXXX and XXXX of the FCRA, including punitive damages and attorneys fees. 

This is your final opportunity to resolve this matter voluntarily and in good faith.

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 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My Cash App account was deactivated without any clear or specific explanation. I was told by multiple support agents that my account violated the Terms of XXXX, but no one could identify what specific action or which term was allegedly violated. 

I reached out to several support reps between XX/XX/XXXX and XX/XX/year>, and consistently asked for : A clear explanation of the violation Access to any appeals or review process Contact with a compliance or legal team Each time, I received a vague, copy-paste response stating the decision was final. I was told there was no further information to provide. I was also informed that my case was being closed and that I would have to open a new support ticket if I needed anything else without ever having received the details I originally requested. 

I have serious concerns about the transparency and fairness of this process. I was denied the opportunity to respond to or understand the reason behind the decision, which raises potential issues of arbitrary action or discrimination. 

All I am asking for is : A specific and clear explanation of what allegedly violated the Terms of Service A fair appeals or escalation process Reinstatement of my account if Cash App can not provide valid justification for the deactivation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Unauthorized/unverified accounts. See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone tried to apply for multiple credit cards without my knowledge.Also I tried opening a XXXX XXXX XXXX account was told I already had a account that was shut down without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
Someone stole my phone and took all my money and I have a text on how it the girl who helped on how it cant be tacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am filing a dispute against Equifax for reporting inaccurate, outdated, and misleading information regarding a closed and charged-off installment account from XXXX ( Account # XXXX * * ). Although the account was resolved with a {$0.00} balance and no past-due amount, Equifax continues XXXX report the account with a " Collection/Chargeoff '' status as of XX/XX/XXXX more than a year after resolution along with a comment that says " Consumer disputes after resolution. '' No documentation or explanation has ever been provided to justify this contradictory and derogatory remark.

Violations and Reporting Errors include : FCRA 1681e ( b ) : The account shows as updated with derogatory status in XX/XX/XXXX, even though the last payment activity occurred in XX/XX/XXXX. This is materially inaccurate.

FCRA 1681i ( a ) : Despite submitting disputes to Equifax, they have failed to provide proof or reinvestigation results regarding the continued derogatory reporting.

FCRA 1681s-2 ( b ) : Neither Equifax nor the furnisher has corrected conflicting or unverifiable data, such as post-resolution status updates.

IRS Code 6050P + FCRA 623 : There is no indication of a 1099-C cancellation being issued despite the account being closed for over 12 months. 

Misleading Payment History : Equifax shows " OK '' payment history well after the charge-off, falsely implying continued account activity and misleading potential creditors. 

This inaccurate and negligent reporting harms my creditworthiness, misrepresents my financial history, and reflects a larger pattern of compliance failure on Equifaxs part. I respectfully request that the CFPB investigate this matter and compel Equifax to update, correct, or remove the derogatory and outdated information from my report. 

FTC XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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