vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I cant overstate how disruptive these inaccuracies have been. Ive worked hard to maintain financial discipline, and to have that undermined by careless or outdated information is infuriating. Ive faced rejections that damaged my confidence, all because of details on my report that simply arent true or verifiable.

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 2025-04-09 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: OH

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-04-09 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: OH

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IA

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: IA

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2025-04-09 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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I have had several credit breaches, I was a harmed consumer of Lexington Law, XXXX XXXX and others

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: TX

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 2025-04-09 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
In have inquires and personal information that I did not authorize or are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In have inquires and personal information that I did not authorize or are not mine.

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 2025-04-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-09 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-09 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:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) violations include furnishing inaccurate or outdated information, failing to follow dispute procedures, requesting reports for impermissible purposes, and privacy violations. I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions equifax consistently replies that those collections etc are accurate when let alone they had information like my date of birth incorrect

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 2025-04-09 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: Nelnet, Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) violations include furnishing inaccurate or outdated information, failing to follow dispute procedures, requesting reports for impermissible purposes, and privacy violations. I am filing a complaint with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently replies that those collections etc are accurate when let alone they had information like my date of birth incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-04-09 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-09 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I am writing to report a serious case of fraud and request HSBC to take responsibility for failing to prevent a suspicious, high-risk transaction. In XX/XX/year>, I was manipulated by scammers into making cryptocurrency-related payments. Following their instructions, I transferred over {$70000.00} USD from my HSBC account to a XXXX XXXX, which was later sent to fraudulent wallet addresses. 

I am a long-time HSBC customer . Since opening my account, I have never made any cryptocurrency-related or large third-party transfers like this. Despite this being a highly unusual transaction for my account history, HSBC issued no warning, no fraud alert, and no verification step before allowing the transfer to go through. 

After realizing I had been scammed, I reported the case to law enforcement. A formal investigation is now being conducted by the XXXX Police Department. I presented all related documentation to HSBC, including the police report and blockchain tracing information. However, HSBC has refused to accept any responsibility, stating that the transaction was authorized simply because I initiated it.

This ignores the fact that I was under false pretenses and psychological manipulation, which is a recognized form of fraud. HSBC failed to protect me as a customer by not recognizing an abnormal transaction and not providing any fraud prevention measures. 

I respectfully request that HSBC reconsiders this case and provides a partial reimbursement, along with a formal acknowledgment of their failure to act on an obvious red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
While reviewing my credit report, I came across several accounts that I have no knowledge of. I never opened these accounts, and yet they are showing up under my name. This is not only confusing but also incredibly frustrating, as it reflects a financial history that isnt mine.

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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I made a {$1000.00} payment toward my auto loan. At the time, the total balance was {$6600.00}, which included {$210.00} in late fees and interest. After the payment, the remaining balance was {$5600.00}. The loan 's maturity date is XX/XX/year>. Due to financial hardship, my previous XXXX monthly payments had been returned. To catch up and pay off the vehicle before the loan matured, I planned to make {$1000.00} payments over the next XXXX months. However, when I attempted to log in to my account on XX/XX/year>, I found that M & T Bank had charged off the account on XX/XX/year> - just XXXX days after I made the {$1000.00} payment.

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 2025-04-09 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: VA

Complaint narrative:
Please refer to my attachments pertaining to the equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
Dispute of Inaccurate or Unverifiable Federal Student Loan Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of federal student loan accounts being reported on my credit file. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). Disputed Accounts and Issues Identified Accounts # XXXX, XXXX, XXXX, XXXX error balance amount, payment history & dates The information currently reported is inaccurate, incomplete, or unverified, and I am requesting that it be thoroughly investigated and corrected as required by FCRA 611 ( a ). Legal Basis for My Dispute XXXX. FCRA 611 ( a ) Right to Dispute and Reinvestigation o Credit reporting agencies are required to conduct a reasonable reinvestigation within XXXX  days and remove or correct information that can not be verified. XXXX. FCRA 623 ( a ) ( XXXX ) Accuracy of Information XXXX Data furnishers are required to ensure the accuracy of the information they provide. If they can not verify the disputed data, it must be deleted from my credit report. XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX student loan data must be reported accurately under federal regulations. Erroneous reporting may violate XXXX guidelines. Requested XXXX I request that the credit reporting agency take the following steps : XXXX a full reinvestigation into the disputed accounts. Provide documentation verifying the accuracy of the reported information. Correct or delete any information that can not be fully substantiated. If these accounts can not be verified in compliance with FCRA regulations, they must be removed from my credit file immediately. Enclosures A copy of my ID, proof of address, and Social Security card ( as required for identity verification ). A copy of my credit report highlighting the disputed accounts. I expect a written response regarding the outcome of this dispute within XXXX  days, as required by federal law. Please send your response to the address provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
Dispute of Inaccurate or Unverifiable Federal Student Loan Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of federal student loan accounts being reported on my credit file. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). Disputed Accounts and Issues Identified Accounts # XXXX, XXXX, XXXX, XXXX error balance amount, payment history & dates The information currently reported is inaccurate, incomplete, or unverified, and I am requesting that it be thoroughly investigated and corrected as required by FCRA 611 ( a ). Legal Basis for My Dispute XXXX. FCRA 611 ( a ) Right to Dispute and Reinvestigation o Credit reporting agencies are required to conduct a reasonable reinvestigation within XXXX  days and remove or correct information that can not be verified. XXXX. FCRA 623 ( a ) ( XXXX ) Accuracy of Information XXXX Data furnishers are required to ensure the accuracy of the information they provide. If they can not verify the disputed data, it must be deleted from my credit report. XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX student loan data must be reported accurately under federal regulations. Erroneous reporting may violate XXXX guidelines. Requested XXXX I request that the credit reporting agency take the following steps : XXXX a full reinvestigation into the disputed accounts. Provide documentation verifying the accuracy of the reported information. Correct or delete any information that can not be fully substantiated. If these accounts can not be verified in compliance with FCRA regulations, they must be removed from my credit file immediately. Enclosures A copy of my ID, proof of address, and Social Security card ( as required for identity verification ). A copy of my credit report highlighting the disputed accounts. I expect a written response regarding the outcome of this dispute within XXXX  days, as required by federal law. Please send your response to the address provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$2900.00}

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 explanation