vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-08-11 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: IL

Complaint narrative:
In XX/XX/XXXX, Equifax concluded its reinvestigation of the XXXX XXXX XXXX XXXX XXXX tradelines ( XXXX  account XXXX XXXX XXXX XXXX XXXX  and XXXX account XXXX XXXX XXXX XXXX XXXX ) as verified. This conclusion is inaccurate and unsupported by documentary evidence, violating FCRA 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ).

The accounts show re-aging and date conflicts ( Charge-Off in XX/XX/XXXX but OK history through XX/XX/XXXX ), mismatched last payment/last activity dates, and improper Metro 2 coding. Both XXXX and XXXX XXXX XXXX are reporting during overlapping periods with conflicting statuses, creating duplicate derogatories. The tradelines also show consumer disputes after resolution without any proof of resolution. 

Debt validation requests sent to XXXX on XX/XX/XXXX and followed up on XX/XX/XXXX and XX/XX/XXXX failed to produce a signed agreement, full itemization, or chain of title. XXXX  deleted the same tradeline on XX/XX/XXXX for unverifiability. Equifaxs reinvestigation did not provide a Method of Verification or any source documents, constituting an unreasonable reinvestigation under Cushman v. TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XX/XX/XXXX - {$2200.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$45.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX  - XX/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 explanation
Consumer complaint received 2025-08-11 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XX/XX/XXXX - {$2200.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$45.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX  - XX/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 2025-08-11 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$590.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/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 explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$590.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/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 2025-08-11 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 am submitting this complaint to formally dispute inaccurate and misleading information reported on my credit file by several furnishers. Despite my attempts to resolve these issues directly with the credit reporting agencies, the disputed data remains uncorrected and continues to negatively impact my creditworthiness. 

First, the account associated with XXXX XXXX Bank XXXX XXXX ending in XXXX ) reflects a late payment from XX/XX/XXXX. This was due to a temporary disruption and not financial hardship. The payment was resolved immediately, and I have maintained a consistent on-time payment history both before and after the incident. This late payment is inaccurately reported and should be removed. 

Second, the XXXX account ( ending in XXXX ) has never had a late payment. Any negative remarks associated with this account are false and must be corrected to reflect the accurate payment history. 

Third, the XXXX Bank XXXX account XXXX ending in XXXX ) experienced temporary late payments during a period of financial hardship in early XXXX. However, the account was paid in full by XX/XX/XXXX. The continued reporting of late payments is misleading and does not reflect the resolution of the account. I request that this be updated to show the account as paid and in good standing. 

Lastly, the XXXX  XXXX XXXX account contains inaccurate information that does not reflect my true payment history. I am requesting a thorough reinvestigation of this account and a correction of the reported data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting. I respectfully request the Consumer Financial Protection Bureau to initiate a reinvestigation into these accounts, ensure compliance with FCRA, and require the credit reporting agencies to correct the inaccuracies. I also request that an updated copy of my credit report be provided once the corrections are made. If these issues are not resolved, I am prepared to pursue further legal remedies.

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 2025-08-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
In XX/XX/year>, I discovered an inaccurate collection account from CEDAR BUSINESS SERVICES on my credit report for a XXXX account I never opened. The account shows a negative balance and was reported as charged off. I have never had any relationship with XXXX or purchased anything from them. I contacted XXXX directly and requested documentation proving the account belongs to me ; they failed to provide any proof and refused to remove the information. I disputed the account with XXXX XXXX XXXX XXXX  in XX/XX/year>XXXX XXXX deleted the account after reviewing my evidence, but XXXX XXXX XXXX declined my dispute without providing adequate justification. Under the Fair Credit Reporting Act, furnishers and credit reporting agencies are required to investigate disputes and remove unverifiable or inaccurate information. This account is unverifiable, and its continued reporting by XXXX XXXX XXXX is causing harm to my credit and financial standing. I am requesting that this account be fully removed from my XXXX XXXX XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Deletion of Inaccurate Addresses and Name from Credit File To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) to request the deletion of inaccurate and unverifiable personal identifying information from my Experian credit file. 

Addresses to be Deleted : Address XXXX XXXX  XXXX Mail Undeliverable Address XXXX XXXX. XXXX Mail Undeliverable These addresses are not valid and do not represent my current or prior residences. Maintaining inaccurate addresses on my file is a violation of FCRA 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Name to be Deleted : XXXX XXXX XXXX This name is not my legal name and should not be associated with my file. The presence of an incorrect name constitutes the reporting of inaccurate personal identifying information and violates my rights under FCRA 15 U.S.C. 1681i ( a ), which requires you to promptly investigate disputed information and delete or correct any data found to be inaccurate or unverifiable. 

Pursuant to FCRA XXXX U.S.C. 1681c ( g ) and 1681i ( a ) ( 5 ), you are required to delete or correct any inaccurate or unverifiable information from my file and confirm the results of your investigation in writing. Please update my credit file to reflect only accurate and verifiable personal information. 

I expect written confirmation from Experian once these deletions have been completed. 

Sincerely, 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 2025-08-11 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and misleading information reported on my credit file by several furnishers. Despite my attempts to resolve these issues directly with the credit reporting agencies, the disputed data remains uncorrected and continues to negatively impact my creditworthiness. 

First, the account associated with XXXX XXXX XXXX  XXXX XXXX ending in XXXX ) reflects a late payment from XX/XX/XXXX XXXX. This was due to a temporary disruption and not financial hardship. The payment was resolved immediately, and I have maintained a consistent on-time payment history both before and after the incident. This late payment is inaccurately reported and should be removed. 

Second, the XXXX account ( ending in XXXX ) has never had a late payment. Any negative remarks associated with this account are false and must be corrected to reflect the accurate payment history. 

Third, the XXXX XXXX XXXX account ( ending in XXXX ) experienced temporary late payments during a period of financial hardship in early XXXX. However, the account was paid in full by XX/XX/XXXX. The continued reporting of late payments is misleading and does not reflect the resolution of the account. I request that this be updated to show the account as paid and in good standing. 

Lastly, the XXXX XXXX  XXXX account contains inaccurate information that does not reflect my true payment history. I am requesting a thorough reinvestigation of this account and a correction of the reported data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting. I respectfully request the Consumer Financial Protection Bureau to initiate a reinvestigation into these accounts, ensure compliance with FCRA, and require the credit reporting agencies to correct the inaccuracies. I also request that an updated copy of my credit report be provided once the corrections are made. If these issues are not resolved, I am prepared to pursue further legal remedies.

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 2025-08-11 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation