vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I received a letter from a debt collector with an amount that I owe since XX/XX/ 2023 from a company called XXXX XXXX. I dont recognize the company and not sure why I owe any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PR

Complaint narrative:
Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Account Credit Report Number : XXXX Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department , I am writing to formally dispute the inclusion of an account that appears on my credit report issued by your bureau, under report number XXXX. The account is listed as XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  This letter serves as notice that I do not recognize this account and have no contractual or financial relationship with XXXX XXXX. I have never applied for, opened, or authorized the use of this account in any capacity. This entry is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that only accurate, verifiable information may be reported.

Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), I formally request that you initiate a reinvestigation of this item. Furthermore, under FCRA 1681i ( a ) ( 5 ) ( A ), if the investigation does not find the information to be accurate and verifiable, you are legally obligated to delete the item from my credit file.

Additionally, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. Since I have never authorized or been associated with this account, its presence on my credit report is a direct violation of my rights under federal law.

Please provide a written confirmation of your investigation results within the legally allotted 30-day period, and promptly remove this erroneous account from my credit file. I have enclosed a copy of my government-issued ID and proof of address to verify my identity, as required.

Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
b'XXXX XXXX XXXX XXXX  collection for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collections for XXXX XXXX XXXX XXXX Late pymt XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX  neg pymts \n\n\nXXXX XXXX XXXX XXXX\n\nInquires \n\nCXXXX XXXX XXXX XXXX \n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nThere are several address that I have never stayed at \n\nXXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX  \nXXXX XXXX XXXX\n\nXXXX XXXX XXXXt\nXXXX XXXX XXXXn\nXXXX XXXX XXXXXXXX  \nXXXX XXXX XXXXXXXX\n\nXXXX XXXX XXXX\nXXXX XXXX XXXX\n\nXXXX XXXX \nXXXX XXXX XXXXn\nXXXX XXXX XXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: OR

Complaint narrative:
15 USC 1692G Validation of debt, XXXX XXXX XXXX Please validate Debt according 15 USC 1692G. If can not be Validated please BLOCK and ReMOVE Account was added to my consumer report after being remove due to non Validation, This is a violation of federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp Has Been Aware That My Money Has Been Stolen Several Times! I Always Complain But Never Get My Money Back. Ive Tried To Speak To Someone But Can Never Reach Anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IN

Complaint narrative:
I have enclosed a document regarding my situation under 22 U.S.C {$7100.00} ( 11 ) and 22 U.S.C. {$7100.00} ( 12 ) as require to qualify me for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 this is under the XXXX XXXX. I have also contacted the XXXX or XXXX XXXX XXXX regarding m outcome and my situation upon dealing with the XXXX XXXX. I am asking that m public record information be block, XXXX XXXX XXXX Illinois XXXX # XXXX. This information is public record of location and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year> I attempted to get a car loan but was told by the lender that i had a freeze on my equifax. I called equifax multiple times and was told there wasnt one, finally the 3rd time they looked into it more and told me there was an internal freeze and to get it lifted I needed to mail a copy of my SS card, ID and a letter. I overnighted it that day. I called back XX/XX/year> to ask about the status and was told that there was no freeze and it was lifted. I asked multiple times and explained how it wasnt a normal freeze and they reassured me it was lifted and my report was accessible. The lender attempted and was denied again. Everytime i talk to someone at Equifax no one has any idea what theyre doing or talking about. This has made me unable to get a vehicle loan for transportation to work etc. I will be taking extra steps with the bureau if it isnt sorted out. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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 am amending my original complaint to include TransUnion, Experian, and Equifax, as each bureau continues to misreport and mishandle disputed accounts associated with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. This is not my first attempt to resolve this. I have filed multiple disputes dating back months, with no resolution, no documentation, and no lawful verification provided to support the inclusion of this account on my credit reports. 

XXXX XXXX XXXX  : This account was closed by the creditor without notice, and since then, they have continued to update the tradeline with false late payments, incorrect balance information, and derogatory remarks. 

I was never properly notified that my account was closed. I even made XXXX payments after the account was closed because there was no formal closure notification. 

They are now reporting 30-day, and now 60-day delinquencies after the account was CLOSED in XXXX, which is unethical and misleading. 

I recently received unsolicited mail and text communications from XXXX XXXX even though the account has been closed for months, and I never opted in to this, even when my account was open originally... These updates are retaliatory in nature after my initial dispute. 

XXXX XXXX XXXX  ( via XXXX ) : I originally received notice from XXXX  that they had no information on file for me. Suddenly, after my CFPB complaint, they responded with a detailed breakdown of my loan historydespite previously stating they had no records. 

XXXX XXXX XXXX  originated this account and outsourced servicing to XXXX, who themselves admitted in writing they are not a licensed debt collector and would pass my account off to a third party for collection. 

No documentation was ever sent to verify the original loan or its terms, and yet it continues to be reported across bureaus. 

Reporting any loan as verified without providing documentation is a clear violation of FCRA 1681i. These companies have failed to provide accurate, timely, and verifiable data during every dispute attempt Ive submitted.

LEGAL BASIS FOR DELETION : Per FCRA 1681i ( a ) ( 5 ) ( A ), when a disputed item can not be verified within the required 30-day period, it must be deleted. 
All parties XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the three major credit bureaushave failed to meet this legal standard. Continued reporting without proof 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 2025-05-27 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 am amending my original complaint to include TransUnion, Experian, and Equifax, as each bureau continues to misreport and mishandle disputed accounts associated with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. This is not my first attempt to resolve this. I have filed multiple disputes dating back months, with no resolution, no documentation, and no lawful verification provided to support the inclusion of this account on my credit reports. 

XXXX XXXX XXXX  : This account was closed by the creditor without notice, and since then, they have continued to update the tradeline with false late payments, incorrect balance information, and derogatory remarks. 

I was never properly notified that my account was closed. I even made XXXX payments after the account was closed because there was no formal closure notification. 

They are now reporting 30-day, and now 60-day delinquencies after the account was CLOSED in XXXX, which is unethical and misleading. 

I recently received unsolicited mail and text communications from XXXX XXXX even though the account has been closed for months, and I never opted in to this, even when my account was open originally... These updates are retaliatory in nature after my initial dispute. 

XXXX XXXX XXXX  ( via XXXX ) : I originally received notice from XXXX  that they had no information on file for me. Suddenly, after my CFPB complaint, they responded with a detailed breakdown of my loan historydespite previously stating they had no records. 

XXXX XXXX XXXX  originated this account and outsourced servicing to XXXX, who themselves admitted in writing they are not a licensed debt collector and would pass my account off to a third party for collection. 

No documentation was ever sent to verify the original loan or its terms, and yet it continues to be reported across bureaus. 

Reporting any loan as verified without providing documentation is a clear violation of FCRA 1681i. These companies have failed to provide accurate, timely, and verifiable data during every dispute attempt Ive submitted.

LEGAL BASIS FOR DELETION : Per FCRA 1681i ( a ) ( 5 ) ( A ), when a disputed item can not be verified within the required 30-day period, it must be deleted. 
All parties XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the three major credit bureaushave failed to meet this legal standard. Continued reporting without proof is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX 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 2025-05-27 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:
As per 15usc 1611 Experian Transunion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX XXXX XXXX XXXX. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX Cc Federal Trade Commission. Cc XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-28 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
In the screening report, the Bank wrote a remark about a foreclosure. I have never applied for bankruptcy. The foreclosure did not proceed because XXXX XXXX XXXX admitted to the XXXX XXXX and XXXX XXXX in XXXX XXXX that they received mortgage payments. In addition, the case was dismissed because XXXX XXXX XXXX  did not comply with the court rules on sending the summons and complaint or petition to the respondents. The Bank and the XXXX from the district court tried to foreclose my house, as shown in many other cases in XXXX XXXX, where foreclosure of XXXX XXXX  houses for money had occurred, as published in newspapers, is typical. Check XXXX XXXX  and investigations from the legislature into similar cases. My family and I defended ourselves against this group of people because we could do it as professionals. 
The Bank did not update or correct the screening report, probably as retaliation, bad faith, and purposely provoking unnecessary obstacles for a dignified life my family and I deserved. Please check the attachments with the court 's decisions and their admission to the payments. There should not be penalties because I made the payments through the XXXX bank on time, and someone in the First Bank cashed them on time and did not add them to my mortgage account. The remarks on foreclosure or bankruptcy must immediately be eliminated from my screening report because the Bank never took my property. I have not received compensation from the Bank for their harmful actions, and now it should be higher for adding a false remark like foreclosure, now current, open. It is not now current nor open. Please help correct this and send a new screening report. These damages that continue to affect the family and myself deserve both moral and economic reparation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
I tried to reach out to cash app but they had no number to call it was an automated bot, I loaded my card with {$1000.00} on XX/XX/2023 then it disappeared, also {$1500.00} became missing and they will not refund my money.

Company response to consumer: Closed with explanation