vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: EdFinancial Services
State: AL

Complaint narrative:
On XX/XX/year>2025 ED Financial reported that I was 90 days delinquent on my XXXX XXXX  payments. As a result of the reported information to the 3 major credit bureaus, my credit score has dropped down to the XXXX. The original servicer servicer of my XXXX XXXX was XXXX. Until yesterday ( XX/XX/scrub>/2025 ), I was unaware of the repayment status of my loans, and the fact that my student loans had been transferred to a new servicer ED Financial. The current balance of my student loans is now {$190000.00}. The monthly payment on this loan is $ XXXX. I called ED Financial yesterday ( XX/XX/scrub>/2025 ) to get this deleterious information removed from my credit report. Ed Financial has a program that will remove of this delinquent payment history from one 's credit history if an individual lives in an area of the country that was affected by a XXXX -declared XXXX XXXX  during the loan repayment period. I applied for this program yesterday, but was cautioned that I " probably will not qualify. '' I was granted a 3 month loan forbearance for future loan payments, but that forbearance will remove the delinquent payment history that is negatively affecting my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, and repeated unfair charges, which violates 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 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 2025-04-14 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: PA

Complaint narrative:
This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
This letter is being sent to you in response to the fact that I have recently viewed negative items reported on my files with the Credit Bureaus. Be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

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 2025-04-14 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: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-04-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XXXX/XXXX/XXXX Account Name : XXXX XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened 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 2025-04-13 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: TX

Complaint narrative:
I am filing a complaint against Experian, XXXX, and XXXX for continuing to report inaccurate and misleading information on my credit file regarding a charged-off account from XXXX XXXX XXXX XXXX 

This account was charged off in XX/XX/XXXX with a balance of {$110.00}. I have made no payments or had any communication with the creditor since the charge-off. However, my archived credit reports show that on XX/XX/XXXX, the reported balance was suddenly changed from {$110.00} to {$94.00}, without any explanation, consumer activity, or payment. 

My reports from XX/XX/XXXX and XX/XX/XXXX show the original balance of {$110.00}, and on XX/XX/XXXX, the balance drops to {$94.00} all while the last updated date was retroactively changed to XX/XX/XXXX. This proves data was manipulated and re-aged, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Despite this, the account continues to report monthly as a charge-off, even into XXXX, which is improper and suggests intentional re-aging to extend the reporting period. 

As of my most recent Experian report dated XX/XX/XXXX, the account still shows Last payment update : XX/XX/XXXX. This is completely false I did not make any payment on or around this date, nor did I have any contact with the creditor. This further supports the allegation of unauthorized data manipulation and re-aging of a charged-off account in violation of the FCRA and FDCPA. The continued monthly charge-off updates combined with this fabricated last payment date show deliberate attempts to misrepresent the accounts status and age. 

Ive attached screenshots from my Experian reports showing the change in balance and the backdated updates. This ongoing inaccurate and deceptive reporting harms my credit profile and violates my consumer rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TX

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am keeping receiving Truist Banc 's slip which is stating this : ' A credit card payment to Truist Consumer Credit Card has been scheduled ' with provided my ex-checking account four last digits number, the payment amount, etc.

I closed my account with Truist about 7 or 8 ears ago making sure they closed it for good at that time. Suddenly, this year they started to bombard me with frequent slips ' information about my activities with them. 
I called them in XX/XX/2025 and ask them how is it possible that they not only still have my account data but started to use it by sending me their 'scheduled ' information about my account. I asked how now can I be sure that they close my account if they restarted their activities with me against my consent after 8 ears of closure? She said she will redirect my concern to superviser and will stop such an activities.

Sure enough, after that conversation, I did receive same info from them twice.

I want that bank to close my account DEFINITELY and WITH THEIR CONFIRMATION LETTER proving that my account in their bank is closed and they removed my data from their record and will never send me any information again not now, not after 7 years. 
thanks, 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I checked my TRANSUNION CONSUMER CREDIT REPORT and noticed a fraudulent XXXX XXXX XXXXXXXX account with the status of authorized user on it. I had no knowledge of this account and did not authorize anyone to add me as an authorized user to their credit card. 
XXXX ) XXXX XXXX XXXX XXXX CREDIT CARD WAS OPENED ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER XXXX WITH A BALANCE OF {$27000.00} AND CREDIT LIMIT OF {$40000.00} is the result of IDENTITY THEFT. 
This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX  ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information being reported is having an adverse effect on my consumer credit 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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account is currently restricted by Capital One because they are requesting verification of my credit report and identification, But I have already paid off most of my debt I want to used credit card and Bank restricted show up credit line available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: YSA ARM LLC DBA Oxygen XL
State: GA

Complaint narrative:
I have been attempting to correct multiple inaccuracies on my XXXX credit report. I submitted several dispute letters to XXXX, citing errors that are not mine, and requesting a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures for maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigations of disputed information.

15 U.S.C. 1681c Reporting outdated or obsolete information. 

XXXX has not conducted proper investigations, nor have they provided adequate responses. Some disputed items remain on my report even after reinvestigation deadlines, and others have been reinserted without proper notice or certification. 

Most recently, I became aware that the CFPB filed a lawsuit against XXXX for these same practicesfailing to correct or remove disputed information, reinserting errors without proper notification, and carrying out sham investigations. The CFPBs legal action directly aligns with my experience. 

These inaccurate items are negatively impacting my ability to secure housing, employment, and credit. XXXX inaction is causing me real harm. 

Multiple of the accounts have been sold to collection agencies and have been trying to collect payment on the account as the original creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
We call the Citi bank credit card, told both of us. The account was closed and it would be explain in a letter. Well letter came, said nothing. File a police report for identity theft now XXXX XXXX and myself XXXX XXXX have been compromised

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 2025-04-14 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: TX

Complaint narrative:
I previously submitted a formal dispute and identity theft documentation to EQUIFAX regarding fraudulent accounts that appeared on my credit report. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite complying fully with all legal requirements under this section, the credit bureau failed to block the fraudulent account from my file within the 4-business-day timeframe, as mandated by law. Instead, they wrongfully " verified '' the debt and left the account on my report, causing ongoing harm to my credit profile and financial standing.

This is a clear violation of the FCRA, specifically 605B, which requires a credit reporting agency to block fraudulent information upon proper notification from the consumer. There is no legitimate basis for the continued reporting of this debt, and no lawful evidence has been presented to justify its presence.

Furthermore, I have also submitted a formal complaint to the Federal Trade Commission ( FTC ) reference number XXXX regarding this matter, and have documented the bureaus reckless disregard of federal consumer protection laws. 

I request immediate action by the Consumer Financial Protection Bureau to investigate the conduct of EQUIFAX and enforce corrective measures, including but not limited to : Full removal ( block ) of the fraudulent account Review of the bureaus investigation procedures Accountability for failure to adhere to the legal requirements under FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I want the reported accounts removed. 
Collector : XXXX XXXX XXXX  Collector : XXXX XXXX XXXX Collector : XXXX XXXX XXXX XXXX Collector : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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