vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: WA

Complaint narrative:
Dear Dispute Department : I am writing to inform you of a error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : XXXX XXXX XXXX Account Number : XXXX and XXXX Description of Dispute : ( I.e. - I never had this card or account number. My account number was XXXX. XXXX is saying that this is a new account because of an internal error. When I talk to them today, XX/XX/XXXX they said the secure card was secured at {$300.00}. They said they would send me the documents by mail within 30 days. XXXX has not sent anything by mail to me. I open the original account with {$2500.00} secured payment. I closed the account in XX/XX/XXXX at the XXXX branch. There was {$2400.00} balance when she closed the account which released {$2500.00} from my checking account to pay the balance. I thought this was done because in the app it showed XXXX on the card and my checking account had {$110.00} dollars left. In XXXX collection agency called me saying this balance was due but they afford a settlement of XXXX. Which I said no this is paid. We went around and around and finally someone found the payment for {$2400.00} in XXXX of XXXX when I contact XXXX. I was told I would be sent paperwork, but I never received it. I didn't use the unsecured card because it was always secured and the 30 late payments are an error. They have changed account numbers, which XXXX  is reporting twice, moved it to collections, fraud, a third party and back to internal collections multiple times they dont have all the information in one place. I have asked for the information multiple times showing that I am wrong and they have not provided it. 

Now on XXXX and Transunion it is saying I missed XX/XX/XXXX payment and marked it as 30 days late even though the account has been closed since XXXX. 

I am requesting that you remove this information from my credit report for Inaccurracy Thank you for your help 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 non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. XXXX XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Company : MoneyLion Inc Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am unaware of this alleged account being reported by MoneyLion Inc and was never notified or given an opportunity to dispute or verify it, as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

If MoneyLion claims this debt is valid, I demand immediate verification sent via Certified Mail, including a signed receipt with my name, the original signed agreement, and full documentation proving the validity of this account and their right to report it. 

If they fail to provide this documentation, the account is unverifiable and must be deleted from all consumer credit reports immediately. 

Failure to comply will result in formal complaints to the Federal Trade Commission, the Texas Attorney Generals Office, and potential legal action for violating federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: OH

Complaint narrative:
{$510.00} was withdrawn from my cashapp account. It was from a XXXX XXXXXXXX XXXX XXXX and Cashapp says this was a charge by me and it wasnt. They dont have any proof and the clear proof I provide they have denied and I dont know what to do. My money has been stolen and theyre doing a terrible investigation and have not received it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
i am writing to request the following accounts be removed due to tracking pursuant to section 605C of the FCRA I have given you my identification as well as the information requested from the acceptable list which only 2 are required by law i have provided additional documentation as well as my notarized victim determination letter please remove these accounts with in 4 business days of receiving this notice according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
i am currently reviewing my Equifax Credit report and there are a lot of addresses reporting on my credit report that are not mine. I was a victim of many breaches. 
Below is a list of the addresses that I would like to have permanently deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX Email : XXXX Phone : XXXX Subject : Request for Fair Resolution Regarding ChexSystems Dispute To Whom It May Concern, I am writing as a victim of XXXX XXXX to request a fair and lawful resolution to the issues I am experiencing with ChexSystems.

Under the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and related federal and state regulations, victims of XXXX  XXXX  are entitled to protection including the correction or removal of inaccurate financial records that result from circumstances beyond their control. These protections are designed to help survivors rebuild their lives without undue financial hardship or discrimination. 

I am requesting that all items now listed on my ChexSystems reportvisible to others or myselfbe permanently blocked. This includes any negative entries that were a direct or indirect result of my status as a victim of XXXX XXXX. Additionally, I request that my ChexSystems score be adjusted to reflect a score of XXXX, ensuring that my financial standing is restored to a fair and equitable position. 

This request aligns with existing legal protections for XXXX XXXX XXXX, including provisions under the Fair Credit Reporting Act ( FCRA ) and state-specific laws, which mandate that survivors have the right to dispute and correct inaccuracies in their financial reports. 

I trust that ChexSystems will act promptly to address this matter and comply with all applicable regulations. Please confirm receipt of this request and provide a timeline for resolution. 

Thank you for your attention to this urgent matter. I look forward to your response. 

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 2025-05-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 a victim of identity theft. There are several loans, personal car loan that i didnt authorize or give anyone permisoon to open. This has really affected my abilitys to provide for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am a victim of identity theft. There are several loans, personal car loan that i didnt authorize or give anyone permisoon to open. This has really affected my abilitys to provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have a car loan with Chrysler Capital that I took out in XXXX. My marital status and last name changed in XXXX. I called to find out what I needed to do to change my name on the loan and title and they told me I needed to fax a copy of my marriage certificate. I did so on XX/XX/XXXX. I called a few days later to check the status of the name change and the gentleman told me that Chrysler Capital does not accept a marriage certificate as proof of marriage and that I needed to fax a copy of my drivers license and social security card with my new name on it. I did so on XX/XX/XXXX. 

I called a few days later and the agent told me it takes XXXX business days to process and to wait. 

I called today XX/XX/XXXX to find out why my name had not yet been changed and the person I spoke to told me they needed a copy of the marriage certificate and the copy of the marriage certificate I faxed on XX/XX/XXXX was not legible and I needed to fax another copy. 

Aside from the fact that I get a different answer each time I call as to why my name can not be changed on my auto loan, the only option to provide documentation to Chrysler Capital to have my name changed is by fax, which is hugely inconvenient and archaic, it is also dangerous. Any place I have to have a fax service performed at now has my personal information stored in their fax machine. This type of flagrant disregard for the safety of my personal information should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Per 15 USC XXXX XXXX is not allowed to report this account to my credit file. XXXX XXXX has already responded to CFPB stating they don't own this account, they would cease communication and they are not trying to collect a debt because they don't legally own this account. XXXX XXXX and yet to prove ownership of this account has violated the FCRA and will be sued by me and my attorney. They also sent me a letter on XX/XX/2025 which states we are not attempting to collect a debt and they would not report anything to my credit profile. XXXX XXXX has violated the FCRA. I will be filing a formal complaint with CFPB they have the response from XXXX XXXX. XXXX XXXX failed to provide an accurate investigation and fail to provide documentation. I do not mind including Equifax in this law suit as well for reporting this account to my credit profile. Equifax and Transunion k now XXXX XXXX is a scam company and can not provide accurate proof which violates 15 USC XXXX and the FCRA. XXXX XXXX has recently been sued by CFPB for over XXXX XXXXXXXX XXXX and they are still violating. This company needs to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-05-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation