vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of Account Paid by Insurance Request for Deletion To Whom It May Concern, I am filing this complaint to report a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ) related to an account reported by XXXX XXXX Account No XXXX XXXX on my Equifax credit report. 

What Is Happening : Despite this account being marked as deleted in both XXXX  and XXXX, Equifax continues to report negative payment history, including 30, 60, and 90 days late, even though the account was : Closed since XX/XX/year>, Paid off by an insurance company, as clearly stated in the comments : CONSUMER DISPUTES AFTER RESOLUTION, BALANCE PAID OR BEING PAID BY INSURANCE COMPANY. 

Violations Involved : FCRA 15 U.S.C. 1681s-2 ( b ) : The data furnisher ( XXXX XXXX ) failed to conduct a proper reinvestigation and continues reporting inaccurate information to Equifax. This includes reporting a delinquency on a debt that was resolved and paid through insurance. 

TILA 15 U.S.C. 1601 et seq. : There is a lack of transparency and proper disclosure regarding the balance resolution through third-party payment, which may mislead consumers and lenders reviewing the report.

GLBA 15 U.S.C. 6801 : Inaccurate and unauthorized disclosure of outdated or incorrect information compromises the integrity and confidentiality of my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims.

Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting, prohibiting the inclusion of known or should-be-known unlawful claims. Please ensure the accuracy and correctness of all your claims, as mandated by the Metro 2 reporting standard.

I kindly request you to provide verifiable physical evidence to support the existence and permissible usage of the account. If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had my phone stolen along with my wallet. Shortly after and still Im getting charged for online gambling at XXXX, XXXX XXXX and XXXX XXXX. I tried filing a police report and disputes with Citizens bank and Im not getting anywhere. I want my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My job for the past 5 years has been as a XXXX XXXX XXXX XXXX XXXX XXXX My clients pay me in cash and on XXXX. This year, I had clients who, for various reasons, chose to have their IRS refund paid into my bank account. I would then issue them a check or send them a XXXX with the money because they felt secure in doing so, due to not having a bank account or a reliable address to receive an IRS check. The Chase bank accuses me of doing something illegal for this, they closed my bank account and I don't want to give me the money that is mine from my savings, given that the money that came in from the IRS to my client, I sent that money with a check from my account to the client and he already collected the money and it was deducted from my bank account, that is to say that the money that remains in the account is mine and not the client 's, at no time has a client 's refund been stolen, does the Chase bank want to keep money that is mine from my hard work, shamelessly if I have to go before a court I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-23 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 recently requested a copy of my credit report. I looked it over and there are numerous fraudulent accounts that were opened without my consent. This negative fraudulent accounts are stopping me from buying a new car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NV

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-05-23 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims.

Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting, prohibiting the inclusion of known or should-be-known unlawful claims. Please ensure the accuracy and correctness of all your claims, as mandated by the Metro 2 reporting standard.

I kindly request you to provide verifiable physical evidence to support the existence and permissible usage of the account. If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report for my records.

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 2025-05-23 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: AZ

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims.

Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting, prohibiting the inclusion of known or should-be-known unlawful claims. Please ensure the accuracy and correctness of all your claims, as mandated by the Metro 2 reporting standard.

I kindly request you to provide verifiable physical evidence to support the existence and permissible usage of the account. If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report for my records.

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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-23 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2025-05-23 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: AL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing significant financial hardship and needs to be corrected immediately. 

The specific information I am disputing is as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracy : Late payments reported incorrectly, multiple accounts associated with this account number totaling more than {$50000.00}, and duplicate accounts being reported twice. 
According to the FCRA, credit reporting agencies are required to report accurate information. The inaccurate information on my credit report is a violation of my rights under the FCRA, specifically : Section 611 ( 15 U.S.C. 1681i ) : This section requires credit reporting agencies to investigate disputes and correct or delete inaccurate information. 
Section 623 ( 15 U.S.C. 1681s-2 ) : This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies.

Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) : This section specifies that late payments can only be reported for a certain period and must be accurate. 
I have attempted to resolve this issue directly with all XXXX Experian, TransUnion and quifax credit bureaus multiple times, but they have repeatedly verified the account as accurate despite the clear inaccuracies. The inaccurate information on my credit report is causing me significant hardship, including difficulty obtaining credit, higher interest rates, and other financial burdens. I have attached copies of relevant documents to support my dispute, including payment records and correspondence with the creditor. 

I request that the CFPB investigate this matter and ensure that the inaccurate information, including the duplicate accounts, is permanently deleted from my credit report. Please provide me with a written statement of the results of your investigation. 

Thank you for your prompt attention to 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 2025-05-23 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: AL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). The inaccurate information is causing significant financial hardship and needs to be corrected immediately. 

The specific information I am disputing is as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracy : Late payments reported incorrectly, multiple accounts associated with this account number totaling more than {$50000.00}, and duplicate accounts being reported twice. 
According to the FCRA, credit reporting agencies are required to report accurate information. The inaccurate information on my credit report is a violation of my rights under the FCRA, specifically : Section 611 ( 15 U.S.C. 1681i ) : This section requires credit reporting agencies to investigate disputes and correct or delete inaccurate information. 
Section 623 ( 15 U.S.C. 1681s-2 ) : This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies.

Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) : This section specifies that late payments can only be reported for a certain period and must be accurate. 
I have attempted to resolve this issue directly with all XXXX Experian, TransUnion and quifax credit bureaus multiple times, but they have repeatedly verified the account as accurate despite the clear inaccuracies. The inaccurate information on my credit report is causing me significant hardship, including difficulty obtaining credit, higher interest rates, and other financial burdens. I have attached copies of relevant documents to support my dispute, including payment records and correspondence with the creditor. 

I request that the CFPB investigate this matter and ensure that the inaccurate information, including the duplicate accounts, is permanently deleted from my credit report. Please provide me with a written statement of the results of your investigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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