vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
I am filing a new complaint against XXXX XXXX XXXX XXXX for continued violations of the Fair Credit Reporting Act ( FCRA ) and intentional damage to my credit report. Despite previous disputes and a prior CFPB case, XXXX has continued to manipulate and re-age my payment history in a way that is misleading, harmful, and legally noncompliant. 

Recently, the company updated my payment history on the charged-off auto loan account to reflect additional late payments, two repossession notations, and a revised timeline of delinquency that escalates the derogatory reporting even though the account was charged off in XX/XX/XXXX. 

This update includes : Changing XX/XX/XXXX from Unknown to 30 Days Late Reporting two repossessions ( XX/XX/XXXX and XX/XX/XXXX ) Labeling the account as Current in XX/XX/XXXX and XX/XX/XXXX despite surrounding lates Continuing to update the account as recently as XX/XX/XXXX These actions are not corrections they are re-aging and re-reporting derogatory activity to maximize the negative impact on my credit, a clear violation of FCRA 623 ( a ) ( 5 ).

Additionally : The account is listed as both charged off and {$5000.00} past due, which is inaccurate and misleading I have never received full debt validation from XXXX collection partners, violating FDCPA 809 The account continues to appear active and report current updates, despite being resolved over 3 years ago These violations have caused me serious harm, including rejection for a mortgage, inflated interest rates, and emotional distress. I am requesting regulatory enforcement.

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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
Account closed by HSBC US for no reason, Account frozen for review XX/XX/year> On XX/XX/year>2025 after I called them I was informed the accounts will be closed and funds sent via mail with a letter within XXXX to 10 days I called again today XX/XX/year>2025 and was told something different that the account were closed on Wednesday XX/XX/year>2025 not the XXXX and that it takes 60 days to get the letter and any funds in form of check instead of the 5 to 10 business days. Completely contradictory information. These are all my funds to live by, eat, and pay my rent and bills. 
They have everything locked and wont answer questions over the phone. 
I have not committed any fraud or do anything wrong on my accounts. 
I sold some personal property and received a wire for XXXX USD after the sale was complete. These funds are clear and genuine. I am not apart of anything criminal or involved in anything criminal, i find it odd that a day later after I received these funds my accounts were frozen. 
I need my letter and certified check for the funds sent to me immediately as is required by XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
I am filing this complaint due to multiple inaccurate and unlawful Charge-Off and Collection entries on my credit report with Equifax. These accounts include : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX I have submitted a valid Identity Theft Report, and under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681c-2, Equifax is obligated to block fraudulent information resulting from identity theft within 4 business days after receiving proper documentation. Despite submitting all required evidence, Equifax continues to report these accounts inaccurately, causing me financial harm and emotional distress.

Furthermore, under 15 U.S. Code 1681s-2 ( b ), furnishers must not report information they know to be inaccurate after receiving a dispute and notice. These charge-offs and collections are legally inconsistent, often labeled both as " written off '' and " in collections '' at the same time this is not only misleading but potentially unlawful under IRS regulations , as a charged-off debt may also require a Form 1099-C to be issued, which was not provided. 

I have exhausted all other efforts including direct disputes, identity theft affidavits, and supporting documentation. Equifax has failed to comply with its legal duties under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CA

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 2025-05-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon reviewing my consumer reports, I noticed multiple entries indicating late payments on my XXXX XXXX XXXX account ( Acct # XXXX ). This came as a shock, as I have consistently made my payments on time and have taken great care to uphold my financial responsibilities. 

The accuracy of the information reported by Consumer Reporting Agencies is critical to a consumer 's financial reputation and opportunities. Reporting errors can unfairly damage a consumers credit profile, and unfortunately, these late payment entries are doing just that in my case. They have negatively affected my credit score and, by extension, my ability to access fair financial products and terms. 

Additionally, Ive identified conflicting payment dates across the XXXX major credit bureaus for this same account. These discrepancies further indicate potential inaccuracies in how my payment history is being reported, and they raise concerns about the reliability of the data provided. 

I request a detailed investigation into these discrepancies and ask that you provide supporting documentation, such as account statements, to substantiate the reported late payments. If proof can not be provided I demand these payments to be updated to on-time as they should be as I was NEVER late. 

As a consumer who has upheld all obligations and made timely payments, I expect these inaccuracies to be corrected swiftly. I appreciate your prompt attention to this matter and look forward to a resolution.

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 2025-05-18 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I began this transfer on XX/XX/year> and it's now XX/XX/year> and I still do not have my money. The company advertises money in minutes and charges for it and it's a lie. I have been told all you can do is wait for six days while they removed the monies from my account immediately upon my transfer submission. I wanted to pick this money up at a western union location and somehow one ot the wonderful, XXXX XXXX WU reps changed it to a prepaid debit transfer and they will not change it back. I was charged XXXX for this and it's cost me a lot more in pain and suffering and XXXX XXXX XXXX XXXX XXXX  XXXX as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found these items on there to be incorrect.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ) and mandates that consumer reporting agencies ( CRAs ) take reasonable steps to ensure the maximum possible accuracy of the information they provide in consumer reports. This section essentially means that CRAs must have procedures in place to minimize errors and inaccuracies in consumer credit reports. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I was never late on this account. I have made all my payments on time. 
XXXX XXXX Revolving account opened on XX/XX/XXXX and a balance of {$600.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX  Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2025-05-18 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: CA

Complaint narrative:
This complaint serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA XXXX ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have XXXX days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be XXXX XXXX verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XXXX XXXX the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data.

These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

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 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: CO

Complaint narrative:
I recently paid off an Auto loan carried by American Credit Acceptance. While the loan was active, I reached out to ask why they are not reporting my payment history to the credit bureaus, and they stated by law they are not required too. Again, after paid off my loan early in a lump sum I asked again why they are not reporting the account paid in full and was given the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TN

Complaint narrative:
I am writing to formally dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and request that it be blocked immediately. I have included my FTC Identity Theft Report ( Report No. [ insert number ] ) as evidence.

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must block any information resulting from identity theft within four business days after receiving a valid identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
Well because my account is closing there is a lot of things I cant see on my account for almost a year I couldnt have a cash app card they would not let me order one an then they closed my account. It all happened when I disputed one transaction that was fraud and they stop my cash app card then that was back in XX/XX/year> I believe an every since they have been just controlling my whole account I use my account for everything I have been going back in forth with them over my account for way to long I do the same thing with my account never have I done anything unusual so the fact that I cant use my account now all of a sudden with no warning Is not fair they have cost me a lot of money because I have to transfer money to another account just to receive it so the fact that Im sick to my stomach devastated because I have no access to help my children pay my bills or anything else in that matter receiving direct deposit from work my other accounts that is connected with my cash app is really breaking me down that I dont know whats about to happen with my bills my accounts I have set up already thats been connected for years this is so ridiculous and unfair and cant keep letting this happen please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NJ

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), which protects the privacy and accuracy of consumer credit information. 
The account listed under the name XXXX, account number XXXX, appears on my credit report in error. 
I respectfully request that you investigate this matter and remove the inaccurate entry from my credit file. 
Please provide a written response within the 30-day period established by 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. As I have spoken to the Bankruptcy court and they even explained they dont publicize this kind of information. So you are searching other databases without my consent to get this unauthorized or false information. Just so you know my information was in a XXXX XXXX XXXX  breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. 

This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to XXXX party so this is illegal, neglect and unauthorized. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. Please respect my privacy and remove the Bankruptcy from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year> I noticed my Bluevine small business checking account had a charge of {$1900.00} made by Citibank NA XXXX XXXX SD. I have no Citibank account, nor did I authorize any charges from them. I contacted XXXX, even though they were closed I was able to freeze the account, and cancelled the debit card the fraudulent charge was made on. 

This is my small Business checking account that I need to run my business and Citibank, just stole {$1900.00} from me with NO authorization to do so. I also called Citibank and was told that since I am not a customer, I can not speak to their fraud dept. The only option was for me to USPS mail them a letter of complaint. 

The fraudulent charge was made over a weekend, while my bank is closed, allowing the thieves to send the {$1900.00} from pending to completed before the weekend was over.

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 2025-05-18 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: GA

Complaint narrative:
Subject : Identity Theft Dispute Request to Block and Remove Fraudulent Accounts To Whom It May Concern, I recently obtained a copy of my credit report from Experian and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft, and I am formally disputing the following accounts as fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate block and removal of these accounts from my credit file. 
Fraudulent Accounts Identified Experian XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Unauthorized account XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Unauthorized account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Unauthorized account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Unauthorized account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Unauthorized collection account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Unauthorized collection account

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