vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXXXXXX XXXX XXXXXXXX I uploaded a dispute letter to Experians website, challenging inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The disputed items include : Negative Accounts Reported as Derogatory Without XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurately reported as derogatory, despite Experians credit report lacking payment history data to support such status. My payment records, submitted with the dispute, confirm a consistent history of on-time payments, contradicting the reported derogatory status. This violates FCRA Section 623 ( a ) ( 1 ), which mandates accurate and verifiable reporting by furnishers and credit bureaus.

To comply with FCRA identity verification requirements, I included digital copies of my government-issued ID, Social Security card , and proof of address with my dispute letter. I also requested detailed verification records for the accounts, as mandated by FCRA Section 1681i ( a ) ( 6 ). Despite these efforts, Experian has failed to respond, investigate, or correct the inaccuracies within the 30-day period required by FCRA Section 1681i ( a ) ( 1 ). 
On XX/XX/, I mailed a follow-up dispute letter to Experian, including a copy of my original XXXX XXXX XXXX  letter, to reiterate my request for investigation and removal of these items. Experians continued failure to address my disputes constitutes a willful violation of my consumer rights under FCRA, causing significant harm to my creditworthiness and financial opportunities.

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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
XXXX, went into XXXX  for a XXXX, was XXXX on XXXX to continue to heal at home for the nxt XXXX weeks. As anyone healing from XXXX, checking our bank acct is low since our bills and such were in order, I had the energy to review and noticed CashApp transactions that I did not make starting XXXX thru XXXX. I contacted XXXX XXXX and I contacted CashApp for investigation. I have never shared my pattern nor my pin with anyone. These are fraudulent charges but CashApp has " found '' them to be mine. I need further help to receive my money back. 

Total loss : {$970.00} / Dates occurred : XXXX - XXXX, XXXX CashApp was locked during this time and she couldn't use. She just regained access last week ( wk ending XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX mail, challenging inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The disputed items include : Negative Accounts Reported as Derogatory Without Payment History Data : Account Name : XXXX XXXX  XXXX, Account Number : XXXX Account Name : XXXX CARD, Account Number : XXXX Account Name : XXXX CARD, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX  XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX These accounts are inaccurately reported as derogatory, despite TransUnions credit report lacking payment history data to support such status. My payment records, submitted with the dispute, confirm a consistent history of on-time payments, contradicting the reported derogatory status. This violates FCRA Section 623 ( a ) ( 1 ), which mandates accurate and verifiable reporting by furnishers and credit bureaus. 
Inaccurate Bankruptcy XXXX : TransUnion continues to report a bankruptcy on my credit report, despite its removal from XXXX ( XXXX XXXX : XXXX ). Additionally, court records do not verify bankruptcies directly with credit bureaus, rendering TransUnions reporting unverifiable. I specifically requested documentation validating the bankruptcy, as required under FCRA Section 1681i ( a ) ( 6 ), but no evidence has been provided. 
To comply with FCRA XXXX verification requirements, I enclosed copies of my government-issued ID, Social Security XXXX XXXX and proof of address with my dispute letter. I also requested detailed verification records for the accounts and bankruptcy, as mandated by FCRA. Despite these efforts, TransUnion has failed to respond, investigate, or correct the inaccuracies within the XXXX period required by FCRA Section 1681i ( a ) ( 1 ). 
On XX/XX/year>, I mailed a follow-up dispute letter to TransUnion, XXXX a copy of my XX/XX/year>, letter, to reiterate my request for investigation and removal of these items. XXXX continued failure to address my disputes constitutes a willful violation of my consumer rights under FCRA, causing significant harm to my creditworthiness and financial opportunities.

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 2025-04-17 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 XXXX 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I noticed inaccurate information on my Experian credit report. There are over XXXX accounts that are not showing on my Experian credit report that have reported to Experian. I believe that Experian should conduct an internal audit to correct these inaccuracies. The failure to report these accounts have damaged my credit reports and reputation with other lenders due to the failure of Experian. This is not a problem that i caused. this is an issue within the company. I have reached out to the lenders and the lenders have stated that they have reported monthly to the Experian credit bureau. please investigate these matters and correct 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : 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 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is about PAYPAL, this company has a security problem. On XX/XX/year> I make a payment with {$74.00} to my account. On XX/XX/year> I get an reminder for {$41.00} payment due on XX/XX/year>. 
On XX/XX/year> I try to make a payment with {$41.00} but the website did not work. 
That is not the first time. The Payment on XX/XX/year> with {$74.00} was taken out of my bank account automatic. On XX/XX/year> No money was taken out, so I made the payment with {$41.00} was was due on the XX/XX/year>. On the XX/XX/year> I am asking Paypal to credit the {$41.00} late fee ( Same amount what was due ) but the denied the credit, even I told them on the XX/XX/year> the website was not working .On the XX/XX/year> I got an invoice from PAYPAL with {$480.00}. My credit limit by PAYPAL is only {$300.00}.

I notified PAYPAL ( no Printout possible ) and NO answer. 
My current BALANCE should be only {$100.00}.

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 monetary relief
Consumer complaint received 2025-04-17 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 Shadow Trace Way XXXX, Florida XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally request the removal of unauthorized accounts and inquiries from my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX XXXX. XXXX and related statutes. 

Upon review of my credit report, I have identified several accounts and inquiries that appear to be inaccurate, unauthorized, or fraudulent, and therefore violate my federally protected consumer rights to privacy and confidentiality. The following items are in dispute : Disputed Accounts Reserve at XXXX XXXX  Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX ) Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX ) Date Reported : XX/XX/XXXX Account Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  via Dealer XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX entries ), XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These entries are either erroneous or unauthorized and have resulted in a negative impact on my credit profile. In accordance with XXXX XXXX. XXXX, I am requesting that you conduct a thorough investigation into each of the items listed above and promptly delete any information found to be inaccurate, unverifiable, or fraudulent. 

Additionally, as afforded under XXXX XXXX. XXXX, I am requesting full validation and supporting documentation for any items deemed valid. Please provide this information in writing, including copies of any contracts, applications, or authorizations bearing my signature or other proof of consent. 

This letter serves as my formal dispute. I request that you confirm receipt of this letter and provide written notice of the results of your investigation within the time frame required by law. 

Thank you for your immediate attention to this matter. I look forward to your timely and complete response. 

Sincerely, 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 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
A loan remodification was submitted without my knowledge and signatures ( 2x ) and the mortgage company in XXXX approved the loan modification and then in XXXX approved another loan modification but then rejected it because the person who applied for the modification without my knowledge and consent wrote on the contract .. Mortgage company allowed fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

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 2025-04-17 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:
XXXX XXXX XXXX XXXX Shadow Trace Way XXXX, Florida XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally request the removal of unauthorized accounts and inquiries from my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX XXXX. XXXX and related statutes. 

Upon review of my credit report, I have identified several accounts and inquiries that appear to be inaccurate, unauthorized, or fraudulent, and therefore violate my federally protected consumer rights to privacy and confidentiality. The following items are in dispute : Disputed Accounts Reserve at XXXX XXXX  Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX ) Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX ) Date Reported : XX/XX/XXXX Account Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  via Dealer XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX entries ), XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These entries are either erroneous or unauthorized and have resulted in a negative impact on my credit profile. In accordance with XXXX XXXX. XXXX, I am requesting that you conduct a thorough investigation into each of the items listed above and promptly delete any information found to be inaccurate, unverifiable, or fraudulent. 

Additionally, as afforded under XXXX XXXX. XXXX, I am requesting full validation and supporting documentation for any items deemed valid. Please provide this information in writing, including copies of any contracts, applications, or authorizations bearing my signature or other proof of consent. 

This letter serves as my formal dispute. I request that you confirm receipt of this letter and provide written notice of the results of your investigation within the time frame required by law. 

Thank you for your immediate attention to this matter. I look forward to your timely and complete response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
Company is Violating federal law, and And the UCC1 Commercial Law multiple I have a I have included a copy of the UCC1 Also Including the federal law, and commercial law that this company is breaking law And theyre doing a reckless I have included evidence

Company response to consumer: Closed with explanation