vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am submitting this complaint regarding a XXXX collection account previously removed from my credit report. 

Experian and Equifax specifically.

This account has now been reinserted without proper notice.

According to the FCRA - section 611 ( a ) ( 5 ) ( B ), a consumer reporting agency must provide the consumer with written notice within five business days if previously deleted information is reinserted into a credit report. 

I was not notified. 

This account is inaccurate and is causing damage to my credit report. 

I have disputed it, and its reinsertion without proper written notification is a direct violation of federal law. 

This account was originally removed after I submitted formal disputes citing inaccurate reporting and lack of verification of the debt. The credit bureaus deleted the account following these disputes, which confirms they found the information to be unsubstantiated. 

I am requesting immediate deletion of this account from all consumer reporting agencies and a full investigation into this improper reinsertion Please confirm receipt of this complaint and update me with the result of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
Subject : Complaint for Inaccurate Reporting FCRA, GLBA, TILA & IRS Violations I am filing this complaint to report multiple violations by Equifax ( and other CRAs and furnishers ) involving inaccurate, unverifiable, and unlawful credit reporting.

Specifically : Late payments and charge-offs are being reported without validation or proper creditor billing disclosures, violating 15 U.S.C. 1681e ( b ), 1666b, and 12 CFR 1026.7.

Accounts that were cancelled under IRS Form 1099-C are still reported as active debt, in conflict with IRS Pub . 4681 and 26 U.S.C. 6050P.

My nonpublic personal information ( NPI ) is being shared without proper GLBA notice or consent ( 15 U.S.C. 68016802 ).

Reporting of excluded transactional experience data violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).

The furnishers failed to verify debts and have not provided required documentation, contrary to Metro 2 standards and 15 U.S.C. 1681i.

I request the CFPB investigate and order the permanent deletion of all inaccurate and noncompliant entries, and ensure future compliance by the CRAs and furnishers under federal law. 

Thank you. 

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 2025-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXXDate of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX California XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-04-10 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: CA

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXXDate of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX California XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-04-10 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: GREENSKY OPERATIONS, LLC
State: GA

Complaint narrative:
Immediate Deletion Demanded Reinserted Inaccurate Account by XXXXXXXX  - GreenSky and Data Breach Concerns To Whom It May Concern : I am filing this urgent and serious complaint against XXXX XXXX GreenSky for the unauthorized and inaccurate reinsertion of a previously disputed and removed account on my credit reports. This account had a {$0.00} balance, was resolved, and should never have reappeared. 

I have verified that XXXX and XXXX are both currently reporting this reinserted account which is not only inaccurate but was also re-added without the legally required notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, my personal information was exposed in a known data breach, putting me at even greater risk for identity theft and fraudulent reporting. Reintroducing false credit data under these circumstances is not just negligent it is reckless. 

I am demanding the following actions be taken immediately : 1. Permanent deletion of the reinserted XXXX - GreenSky account from all credit bureaus.

2. A detailed explanation as to how and why this inaccurate account was reinserted without following proper legal procedures.

3. Confirmation that GreenSky is in full compliance with data protection laws and FCRA guidelines.

Failure to delete this account and provide a written resolution will leave me with no choice but to pursue legal action. This includes filing a formal complaint with the FTC, pursuing damages under the FCRA, and consulting legal counsel regarding the exposure of my personal data. 

This issue must be resolved without delay. I expect confirmation of the account deletion and a written response within 15 days. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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!

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 2025-04-10 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: PA

Complaint narrative:
On XX/XX/year>. I requested all the bureaus response to the following information that uploaded below. As of today, it has been over 30 days, and there has been no response as of 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 non-monetary relief
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
On XX/XX/year>. I requested all the bureaus response to the following information that uploaded below. As of today, it has been over 30 days, and there has been no response as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax froze my credit so no one can report and companies can not access it for the purpose of loans. I have called on a numeber of occations to try and get this resolved and they refuse to help. They want me to send a copy of my driver license and social securtiy card to some random XXXX XXXX XXXX These are the two pieces of information that if they fall into the wrong hands can lead to identity theft and compromise my credit. I am not sending these copies to a random XXXX XXXX XXXX that someone in XXXX gave me an adress too. The whole sitiuation sounds shady and is a risk of having my identiy and credit compromised. This is the second complaint I have had against Equifax about not being able to have access to my credit I feel this may be in retalition for my first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
I have called Experian to remove inaccurate information and the representative gave me a hard time to remove inaccurate information that should not be on my credit report.

I need the following addresses removed from credit report under law Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. 

Addresses need to be removed immediately : 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 2025-04-10 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: EdFinancial Services
State: DC

Complaint narrative:
FCRA 6058 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I sent a request for debt verification as well as proof they owned the debt by certified mail, it was received by the company on XX/XX/XXXX, I them received another letter threatening legal action around XX/XX/XXXX but received no information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have complained and logged complaints through the cfpb about TransUnion and Experian and Equifax, they have went past their deadlines on some of their investigations which I will be sending proof of and therefore they need to delete this immediately off my credit because it is against fcra regulations for not doing it in a timely manner. And when I made complaints beforehand they done nothing but mess everything up change stuff that shouldn't have been changed and then dropped my points just because I was going to turn them in to the cfpb for an investigation. I want these things deleted from my credit immediately.

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 2025-04-10 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I have complained and logged complaints through the cfpb about TransUnion and Experian and Equifax, they have went past their deadlines on some of their investigations which I will be sending proof of and therefore they need to delete this immediately off my credit because it is against fcra regulations for not doing it in a timely manner. And when I made complaints beforehand they done nothing but mess everything up change stuff that shouldn't have been changed and then dropped my points just because I was going to turn them in to the cfpb for an investigation. I want these things deleted from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I bank with XXXX XXXXXXXX. I pay my Citi monthly credit card bill through the XXXX XXXX XXXX app. No problems the last 5 years. Citi without any knowledge to me stopped accepting XXXX XXXX XXXX electronic payments. XXXX XXXX XXXX was forced to send the payment by check which they did on XX/XX/XXXX. On XXXX Citi finally processed my check 10 days after it was mailed by XXXX XXXX XXXX 
Showing the deduction from my account the evening of XX/XX/XXXX. XXXX XXXX  XXXX told me they process and mail the checks from Louisiana and Citi processes them in XXXX. Neither state is far form the other. on XX/XX/XXXX Citi charged me later fees and interest a total of {$180.00}. Citi is refusing to wipe off the charges. I pay my credit card bill 100 % in total every month. This is outrageous that they have not informed me of the check only policy for payments and it takes them 10 days when the mail is probably 3-4 days at most to process payments. According to XXXX XXXX XXXX  this is happening to many customers and Citi is literally defrauding it s customers unaware of the check only policy form XXXX XXXX XXXX  payments. Please help CITI has been totally uncooperative if removing the charges and many other people are going through the same issue with CITI.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/year>. I XXXX XXXX was charged for Three different transactions in XXXX. When I have never been to XXXX or out of the state. Im here in XXXX I was charged {$81.00}, {$35.00} & {$18.00} totalling up to about {$150.00}. I disputed it stated it wasnt me because I cant be in two places at one time. I also called the merchant who stated the transaction was made in store. My card was compromised or stolen I have the card with me. I disputed the transaction and they denied me the dispute without any real explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed by a friend into sending a down payment/ deposit for a studio rental on XX/XX/year> via cash app. It turns out, there is no studio apartment! I was genuinely tricked and scammed out of the money for a rental. 

I reached out to cash app followed all their guidelines and initiated a claim. However, they mentioned I wouldnt get a refund since I willingly sent the money. 

Cash app customer service mentioned there is nothing they can do. I believe this is highly unethical on behalf of their company. CashApp should offer consumer protection just like any other bank. I would like my claim to be further investigated and for the other party to have some type of legal repercussion by cash app. They are enabling scammers by protecting them and allowing them to keep their scams running. 

Cash app assigned me a claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report. I did not create or approve these accounts, and I do not recognize them. In compliance with USC 1681g, I am formally asking that they be removed within 15 days. Supporting documents are included for your review. Additionally, the account details are inconsistent, with different information reported to each credit bureau.

Company response to consumer: Closed with non-monetary relief