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: 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: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested Proper Validation of Debt and did not receive it.

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 status incorrect
Company: Experian Information Solutions Inc.
State: LA

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
THIS CFPB COMPMLAINT IS FOR EXPERIAN CREDIT REPORTING AGENCY BLOCK ANY INFORMATION APPEARING ON MY CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT PURSUANT OF FCRA XXXX WITHIN IN XXXX BUSINESS DAYS OF YOU RECIEVING THIS COMPLAINT. THIS FRADULENT, INACCURATE, AND FALSE INFORMATION CONSIST OF CREDIT CARDS OPENED WITH 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  THESE ACCOUNTS HAVE RESULTED IN HARD INQUIRIES AND A PLUMENTED SCORE TO WHAT SEEMS LIKE BEYOND MY CONTROL AND CAUSING ME SO MUCH DURESS. I HAVE TRIED TO DISPUTE THESE INACCURACIES OVER SEVERAL TIMES FOR NOTHING TO BE CHANGED OR RESOLVED. I WENT UNHEARD. MY RIGHTS DIDN'T MEAN ANYTHING. ATTACHED IS MY FTC REPORT

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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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: CBC Companies, Inc.
State: VA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital LLC Subject : Fraudulent Account Demand for Validation and Immediate Deletion Account Balance : {$660.00} | Opened : XX/XX/year> | Original Creditor : XXXX Bank To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the above-referenced debt, which you are reporting to the credit bureaus. I do not recognize this account, I have never opened an account with XXXX Bank, and I believe this account may be the result of fraud or identity theft. 

As required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am demanding that you immediately : XXXX. Cease all collection efforts and communications regarding this account, XXXX. Provide complete validation of the alleged debt, including : A copy of the original signed agreement bearing my signature, Full account and payment history, A chain of custody showing how the debt came into your possession, and XXXX that you are legally authorized to collect on this account. 

Until such validation is provided, this debt is not enforceable and must be immediately removed from all credit reporting agencies : XXXX, XXXX, and XXXX. 

If you can not provide full and accurate documentation verifying this debt, then continued reporting or collection attempts may be considered a violation of federal law. Should that occur, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. I will also pursue legal remedies if necessary. 



XXXX XXXX Requested : Immediate removal of this account from all credit bureaus, Written confirmation of deletion, Cease all contact unless proper validation is provided. 



Please treat this as a final notice. I expect a written response within XXXX  days of receipt of this letter. 

Sincerely, XXXX XXXX

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Send info on previous complaint, tried to purchase mobile home from XXXX XXXX  market place. Did transaction on Cash app, On the end tried to get refund from original contact, register reports and even contacted local police. Cash app refused to reimbursed most money, stated i had excepted the terms and there was nothing they could do, i did rec appx XXXX which is well below the amount loss.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following unauthorized hard inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b and the Fair Debt Collection Practices Act ( FDCPA ). I did not authorize these inquiries, and under the law, a company must have permissible purpose before accessing my credit file. 

The unauthorized inquiries in question are as follows : Flagship Credit Acceptance XXXX XXXX The unauthorized accounts in question are as follows : XXXX XXXX & XXXX : XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
First off, I am very hurt that XXXX XXXX would report me {$2.00} past due to the credit bureaus. I went online and spoke with someone via phone and go the entire balance to pay account down to {$0.00} since the account was restricted. I've been working really hard on my credit due to medical equipment I need financing my for permanent medical condition. I am veteran who served in the XXXX XXXX to protect this country and was treated horribly by XXXX the so called account XXXX. I asked XXXX to review the account the day i paid the account off in XXXX of 2025 and she refused to research it instead she yelled at me and sent me into a frinzy. Why would I pay everything except {$2.00} on an account that does not make sense at all. I am requesting an internal audit because I paid this account off in full and a 30 day late should not have been reported to the credit bureaus. I also was questions why don't you check you balance online, the answer was very simple if I paid the entire balance and the account is restricted why would I check I can't use the card. I paid the entire balance I'm asking for an internal audit the {$2.00} dropped me over XXXX points. I did the right thing by paying this account off in full based on what XXXX XXXX told me my balance was. Since I learned I was charged more fees I just paid {$10.00} plus dollars for something and I shouldn't have been charged those fees. I'm asking and begging for a good will adjustment I've never requested XXXX but I need this adjustment and update to the credit bureaus removing this 30 day late so I can get medical equipment financing, I have been doing good XXXX off and down debt. Please consider this letter for a good will adjustment and an update removing the 30 day late payment for {$2.00}.

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 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: GA

Complaint narrative:
First off, I am very hurt that XXXX XXXX would report me {$2.00} past due to the credit bureaus. I went online and spoke with someone via phone and go the entire balance to pay account down to {$0.00} since the account was restricted. I've been working really hard on my credit due to medical equipment I need financing my for permanent medical condition. I am veteran who served in the XXXX XXXX to protect this country and was treated horribly by XXXX the so called account XXXX. I asked XXXX to review the account the day i paid the account off in XXXX of 2025 and she refused to research it instead she yelled at me and sent me into a frinzy. Why would I pay everything except {$2.00} on an account that does not make sense at all. I am requesting an internal audit because I paid this account off in full and a 30 day late should not have been reported to the credit bureaus. I also was questions why don't you check you balance online, the answer was very simple if I paid the entire balance and the account is restricted why would I check I can't use the card. I paid the entire balance I'm asking for an internal audit the {$2.00} dropped me over XXXX points. I did the right thing by paying this account off in full based on what XXXX XXXX told me my balance was. Since I learned I was charged more fees I just paid {$10.00} plus dollars for something and I shouldn't have been charged those fees. I'm asking and begging for a good will adjustment I've never requested XXXX but I need this adjustment and update to the credit bureaus removing this 30 day late so I can get medical equipment financing, I have been doing good XXXX off and down debt. Please consider this letter for a good will adjustment and an update removing the 30 day late payment for {$2.00}.

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