vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Creditor/Collection Agency Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXreditor/Collection Agency Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXsue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-04-15 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: NJ

Complaint narrative:
I am filing this complaint against Experian for reporting a late payment errors to XXXX XXXX XXXX ( Account # : XXXX ). This late payment is errors constitutes a billing error. After reviewing the Fair Credit Billing Act and the Fair Credit Reporting Act, it is clear that Experian is in violation of several federal statutes by continuing to report this erroneous data. 

Failed to comply with 15 U.S.C. 1666 ( a ) by not acknowledging my billing dispute within XXXX  days, and violated 15 U.S.C. 1666 ( b ) by not completing their investigation or providing results within two billing cycles ( or XXXX  days ). Despite this, Experian continued to report the late payment, which is a direct violation of 15 U.S.C. 1666a ( a ). I was also never notified of the third parties to whom the delinquency was reported, violating 15 U.S.C. 1666a ( b ). 

Experian 's reporting also fails to meet the standard of maximum possible accuracy under 15 U.S.C. 1681e ( b ) and lacks a valid permissible purpose under 15 U.S.C. 1681b. Additionally, per 15 U.S.C. 1666b, payments made on time under an open-end credit plan can not be treated as late, yet Experian continues to display this account negatively. 

Experians ongoing reporting of this inaccurate information is unlawful, damaging my credit standing, and reflects willful and/or negligent noncompliance. I am requesting that the CFPB investigate this matter and compel Experian to immediately correct the entry by updating it to Paid as Agreed, notify all consumer reporting agencies of the correction, and provide written confirmation within 30 days.

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 2025-04-15 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: MO

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-15 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: CA

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report or have applied to them. It is stressing me and making me anxious on why and how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGL Associates, Inc.
State: GA

Complaint narrative:
I receive a call from XXXX every other day. Requesting me to contact a XXXX XXXX with XXXX associates. The number they ask me to call back is XXXX. I am not sure who this is and which creditor sold my information to them. 

I request that this collection agency to cease communication with me rather it is calls, text, email, or mail. 15 USC 1692c ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681XXXX.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WI

Complaint narrative:
I b ought XXXX XXXX. unlocked XXXX XXXX  and XXXX covers XX/XX/2025. 
XXXX phone was defective and I got permission to use printed XXXX labels and went to ups store with packed up defective phone XX/XX/2025 and the return to seller in XXXX was made in the store picked up by XXXX in XXXX  sellers in XXXX New York XX/XX/2025. I returned the phone within 30 days. Discover gave me a refund check I put in checking account. I had told XXXX I had returned with their label and gave them ups label number also faxed To Discover. Seller complained to Discover I never returned the phone without XXXX 's ok. discover charged me for the check they had give me. I paid them back. The seller wanted confirmation I had returned it. someone helped me upload the ups proof of delivery on the message board in XXXX. then he admitted I had returned phone but still would not give my money back. XXXX has repeatedly said they will pay me back without the seller but have yet to do it {$260.00} which included XXXX 5.5 % tax is owed to me. I want XXXX to refund me it is almost 2 months since I returned the phone XX/XX/XXXX. I have yet to receive the money back that I proved even to XXXX XXXX third party in XXXX New York knows I returned the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-15 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: FL

Complaint narrative:
I checked my credit report and learned of fraudulent accounts on there I am a victim of I entity theft from equites data breach which the report will be attached. I tried getting credit but Id being denied because of the actions of fraud

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 2025-04-15 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:
I checked my credit report and learned of fraudulent accounts on there I am a victim of I entity theft from equites data breach which the report will be attached. I tried getting credit but Id being denied because of the actions of fraud

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 2025-04-15 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:
I had an address, revolving and installment accounts linked to identity theft removed on XX/XX/XXXX ; now they have been reinserted back onto my credit report as of XX/XX/XXXX. They gave the explanation that the address and account are valid due to them being linked to other accounts on my credit report, which are fraudulent as well. I made a complaint on XX/XX/XXXX and was told XXXX XXXX  was VERIFIED THAT THIS ITEM BELONGS TO me. All of the XXXX XXXX XXXX XXXX accounts were VERIFIED THAT THIS ITEM BELONGS TO me as well as XXXX XXXX was VERIFIED THAT THIS ITEM BELONGS TO. And XXXX and XXXX XXXX All of these accounts were outlined in my FTC identity theft report as fraudulent and should have been deleted. This has been extremely frustrating, and their inability to remove these items from my report has made it increasingly difficult to gain extensions of credit for housing, insurance, and business products, even though I have shown that the items are fraudulent.

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 2025-04-15 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: CA

Complaint narrative:
I had an address, revolving and installment accounts linked to identity theft removed on XX/XX/XXXX ; now they have been reinserted back onto my credit report as of XX/XX/XXXX. They gave the explanation that the address and account are valid due to them being linked to other accounts on my credit report, which are fraudulent as well. I made a complaint on XX/XX/XXXX and was told XXXX XXXX  was VERIFIED THAT THIS ITEM BELONGS TO me. All of the XXXX XXXX XXXX XXXX accounts were VERIFIED THAT THIS ITEM BELONGS TO me as well as XXXX XXXX was VERIFIED THAT THIS ITEM BELONGS TO. And XXXX and XXXX XXXX All of these accounts were outlined in my FTC identity theft report as fraudulent and should have been deleted. This has been extremely frustrating, and their inability to remove these items from my report has made it increasingly difficult to gain extensions of credit for housing, insurance, and business products, even though I have shown that the items are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX of XXXX XXXX. 

On XX/XX/year>, I purchased a vehicle from XXXX XXXX. I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/year>, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to XXXX  XXXX XXXX. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/year> ), these inquiries were not stopped. As a result, my credit score has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. 

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
Ok so i went to get my XXXX  XXXX  on the XXXX of XXXX and as soon as i get it fixed it says it detects some type of fraudulent activity and they shut it down so i had to get my XXXX  to pay for me. I couldnt pay for anything, or send any money through to anyone to attempt to create a new cashapp. This happened out of the blue and i sent a verification of my identity and i keep repeatedly talking to cashapp support and they tell me the same thing. That its nothing that they can do and ill have to wait for them to hit me back. Its been XXXX weeks havent heard anything unless i contact them. Mind you my XXXX XXXX cashapp was messed up too at the same time but hers just got fixed XXXX. I just got my check in my account and im XXXX by the way. But i cant even access my money i have a total of {$1000.00}. I also want to let it be known my cashapp is under XXXX XXXX name shes my XXXX. I wasnt XXXX at the time but now that im XXXX i can make my own cashapp which is what i want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I filed XXXX XXXX XXXX  on XX/XX/year> ( XXXX XXXX. XXXX ), and my discharge was granted on XX/XX/year>. Experian continues to report late payments and outstanding balances on accounts that were included in my XXXX  XXXX XXXX, XXXX, and XXXX. These accounts should reflect a {$0.00} balance and be marked as Included in XXXX. Despite submitting a dispute with supporting documentation, Experian has not corrected the inaccurate reporting. I am now requesting CFPB assistance to ensure Experian updates or removes the inaccurate information in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-15 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: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally address a serious violation involving the continued negative reporting of my account with XXXX XXXX XXXX XXXX on my credit report. This account was charged off, written off, and subsequently satisfied in full. Despite this, XXXX XXXX XXXX XXXX continues to report the account negatively, which is causing significant damage to my credit profile and financial well-being. 

Violation of Federal and Commercial Law : 1. Uniform Commercial Code XXXX XXXX : Once an account obligation is discharged, no further performance is due. The continued reporting of this debt as delinquent or outstanding is not only deceptive but legally invalid. 
2. FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to report accurate and complete information. A charged-off and paid account should not be reported as if it remains unpaid or delinquent. 
3. FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers like XXXX XXXX XXXX XXXX must update and correct all inaccurate or incomplete data. Their failure to correct this entry violates their statutory duty and continues to cause financial harm.

4. UCC 1-201 ( 20 ) Definition of Verified Obligation : Any account reported must be verifiable through lawful, authenticated documentation. No such verification has been provided in response to this matter, and therefore, the entry must be considered unverified and invalid.

Impact on My Financial Life : Due to this inaccurate and unlawful reporting : I have been denied a mortgage loan.

I have been denied automobile financing. 
My creditworthiness has been unjustly compromised, resulting in missed opportunities and emotional distress. 

Demand for Immediate Action : I am demanding the following : Immediate deletion with prejudice of this account from all three credit bureaus ( XXXX Equifax, XXXX XXXX. 
Permanent suppression of any re-reporting of this satisfied obligation. 
A full investigation into XXXX XXXX XXXX XXXX s reporting practices. 
Monetary relief and compensation for the financial damages and lost opportunities caused by this unlawful reporting. 

This matter is urgent. XXXX XXXX XXXX XXXX has no legal right to continue reporting a XXXX and fully satisfied debt as delinquent. I respectfully request the Consumer Financial Protection Bureau to take prompt enforcement action to resolve this matter and prevent future harm.

Company response to consumer: Closed with explanation