vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: MA

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 2025-06-14 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: MA

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 2025-06-14 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: CA

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any inquiries listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of inquiries that do not belong to me or were initiated without my consent. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}

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
Consumer complaint received 2025-06-14 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IN

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 2025-06-14 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: IN

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 2025-06-14 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:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion and Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Specifically, Equifax is reporting the account as " pays account as agreed '' with a " 30 days late '' and " 60 days late '' payment grid. Experian is reporting " paid, closed '' status code with " past due 30 days '' and " past due 60 days '' payment grid. TransUnion is reporting " paid or paying as agreed '' with a " 30 days late '' and " 60 days late '' payment grid, as well as an inaccurate account number written as " XXXX ''. These reports are inaccurate and need to be updated to reflect " paid on time '' and " paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " paid on time '' or " current '', and the worst delinquency status be updated according to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the fair credit reporting act ( FCRA ), particularly section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of the 15 U.S. Code 1681b ( 2 ), which mandates that the consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any action taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered not later than 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red/blue for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Goldcar Lending Inc.
State: AL

Complaint narrative:
In XX/XX/year>, my vehicle was repossessed without a court order and with law enforcement present while my minor child was inside the vehicle. This is a clear breach of peace and violates UCC 9-609 and Alabama Code 7-9A-609. No Notice of Intent to Repossess was provided before the repossession. 

Following the repossession, I never received a Notice of Intent to Sell or a Post-Sale Explanation of Proceeds as required under UCC 9-616. As of XX/XX/year>, the tradeline is reporting a balance of {$10000.00} with no documented breakdown or credit for the vehicle 's resale. I have not received an accounting that explains how the amount was calculated. 

I requested verification of the debt and a full accounting, but no documentation has been provided. The continued reporting of this balance without proper legal notice or supporting documentation violates my consumer rights under the FCRA and UCC.

I am requesting a full investigation and deletion of this tradeline from my credit report if the creditor can not produce the legally required notices and breakdown of the balance.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete the account as soon as possible for my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectifytheseissues. 
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 2025-06-14 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: NC

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 2025-06-14 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
XXXX I had belongings out of my car stolen.Included in this was my wallet and info. After i Filed the police report uon recognition of funds gone, I disputed with my bank. My bank denied it, stating I needed to dispute with merchant. The merchant is Cash app.After I diputed the charges they quickly closed my account and everyday I called they stated my disute was denied. I reached outagain with the police report and asked to dispute it and stated due to my account closure I am unable toappeal a dispute or speak to anyone regarding the denied dispute. Finally adifferent person I talked to stated I can dispute the account closure and IF they approveit my account wi stay open and THEN i can dispute the original charges. So i did that. Ive contacted cash app almost every 4 days for an update with no avail. After they closed my account and I was able to access my cash app from my new device, nI got notification that the stolen card andaccount were stil being used by who ever has it. I immediately called cash app and informed them that this happened. Upon reporting the man stated if account is closed who cares. I proceeded to inform them that they are denying these as fraudulent because they state I am using it, clearly I know the account is closed why would I get an XXXX or all these other XXXX transactions. So irequested him to just note it in my file in hopes someone from management will review this or In case i hire an attorney and have this investigated because of the fact this is the 2cd time in 3 years my account has had exact issue, as well as Cadh APP not following their own terms and conditions they agreed to upon my account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I hold a mortgage and formerly hold an escrow account with Mr Cooper between XXXX to early XXXX. There is no issue with the mortgage and the issue is with the escrow account. 

Over XXXX to XXXX I received escrow statements that indicate that I am owed the following surplus refund payments : - XX/XX/XXXX : {$1300.00} surplus refund - XX/XX/XXXX : {$1200.00} surplus refund - XX/XX/XXXX : {$410.00} surplus refund However I never received any of the refund payments, and the above amounts were also not credited to my mortgage account either. After contacting Mr Cooper support on XX/XX/XXXX, they acknowledged that there may have been an issue with their check delivery system. On XX/XX/XXXX they issued a letter to me stating that I will receive a check for {$3900.00}, being the sum of the above refund amounts that they owe me. This letter stated that I should wait 30 days and if I still don't see the check, I should let them know so that they can wire the money instead. 

On XX/XX/XXXX, I emailed them stating that no check has arrived and requested electronic payment, and supplied my bank routing and account number along with photo of a voided check to prove my bank account details as they requested. They responded on XX/XX/XXXX with a letter stating that they can not reissue a check and will not address this matter further. This response did not address my last communication asking for an electronic payment, and instead talked around it. Clearly their check payment system is not working and they need to pay me electronically, but I have reached a dead end with them. 

Attached are : - Letters from Mr Cooper dated XX/XX/XXXX and XX/XX/XXXX as described above - Chat transcript with Mr Cooper support from XX/XX/XXXX for further context

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Inaccurate Collection Entry on Credit Report Dear CFPB Representative, I am writing to formally file a complaint regarding a collection account that appears on my credit report. I believe this account is inaccurate, unverifiable, or obsolete, and I have been unsuccessful in resolving this matter directly with the credit bureaus and/or the collection agency. 
Account Information : - Creditor Name : XXXX XXXX XXXX - Collection Agency : Equifax - Account Number : N/A - Amount : {$1900.00} - Date of First Delinquency : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), all items on a credit report must be accurate, verifiable, and timely. I have attempted to dispute this account with the credit bureaus and/or contacted the collection agency, but I have not received adequate documentation or validation of the debt as required under the law.

I am requesting that the CFPB investigate this matter and take the appropriate actions to ensure this collection account is removed if it can not be properly validated.

Attached are copies of my previous dispute attempts and supporting documents.

Please confirm receipt of this complaint and inform me of the outcome of your investigation. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX. XXXX, XXXX XXXX, GA, XXXX To Whom It May Concern, I am in total disagreement with your investigation response. Hard Inquires in error are listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Please remove the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX for XXXX XXXXXXXX XXXX XXXX due to multiple discrepancies between TransUnion and Equifax. 

TransUnion lists the original creditor as XXXX XXXXXXXX XXXX XXXX XXXX XXXX  while Equifax lists XXXXXXXX XXXX XXXX XXXX  XXXX TransUnion shows no payment history, but Equifax shows multiple charge-off ( C ) entries TransUnion does not list a past due amount, while Equifax shows {$660.00} past due Status update dates are different : Equifax shows XX/XX/year>, TransUnion shows XX/XX/year>XXXX  Contact phone numbers for the collector are different between bureaus Dispute remarks show resolution, but the errors remain unresolved Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, consistent, and verifiable. These inconsistencies indicate the account is not being reliably reported and should not remain on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
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