vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: OK

Complaint narrative:
Hi I found 29 unauthorized fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to remove those unauthorized inquiries from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Hi I found 29 unauthorized fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to remove those unauthorized inquiries from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
I co-signed student loans for my XXXX XXXX XXXX sons. They are currently XXXX XXXX students. Unfortunately, ED Financial Services, the loan servicer, began reporting FALSELY to credit bureaus since XX/XX/year> that I was LATE in payments of the loan. The agreement clearly states that the loan payment begins after the children leave school. Thy are in their XXXX year in fulltime school. 

This false reporting has taken a drastic tool of more that XXXX points on my credit. While ED Financial Services has agreed that this was a mistake, they have REFUSED to inform the credit bureaus of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MD

Complaint narrative:
Subject : Dispute of Incorrectly Reported Late Payment Violation of 15 USC 1666b To Whom It May Concern, I am filing a complaint concerning an inaccurately reported late payment on my credit report. This reporting appears to violate the Truth in Lending Act, specifically 15 USC 1666b, which requires that a creditor allow a reasonable grace period ( at least 21 days ) before treating a payment as late. 

The account in question is : Creditor Name : XXXX XXXX Account Number ( last XXXX digits ) : XXXX Date of Reported Late Payment : XXXX, XXXX  AND XXXX, XXXX  Credit Bureau Reporting the Late Payment : Experian / Equifax / TransUnion I made my payment on time based on the billing statement and within the grace period. However, the creditor reported the payment as late and submitted it to the credit bureaus. I requested a correction directly from the creditor and the credit bureau, but the issue remains unresolved. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this violation and require the creditor and/or credit bureau to delete it from my credit report in compliance with the law. 


This inaccurate reporting is negatively impacting my credit profile, and I am exercising my right to dispute this under federal law. Please address this matter promptly.

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 2025-04-20 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 disputed incorrect items on my credit report for all XXXX bureaus they its been XXXX days they have not sent any proof of y the items should be on my report they did not delete items and some even refused the dispute after showing proof of identity. The inaccuracies are still on the report and the Transunion Equifax and Experian are refusing to investigate or remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
I disputed incorrect items on my credit report for all XXXX bureaus they its been XXXX days they have not sent any proof of y the items should be on my report they did not delete items and some even refused the dispute after showing proof of identity. The inaccuracies are still on the report and the Transunion Equifax and Experian are refusing to investigate or remove items.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX INQUIRIES XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-20 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:
These companys have been reporting false debts to my account without my permission and they should be removed immediately. I requested proof of debt owed to the reporting company and the company that they are suggesting I owe to and I never received. Also I never gave any company on my credit to report anything to my credit or access my social security number and thats against the law. All of these companies have been removed from my equifax credit report but refuses to be removed from Transunion and Experian The following accounts are XXXX XXXX XXXX XXXX number : XXXX XXXX, XXXX XXXX number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX number : 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 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
CFPB COMPLAINT SUBMITTED TO XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on XX/XX/year> and the collection accounts remain on my credit report. On XX/XX/year> a CFPB COMPLAINT WAS SUBMITTED TO Equifax, TransUnion, and Experian. Each credit bureau has failed to remove the collection accounts after numerous disputes and requests for removal. I intend to sue as it appears my requests are being neglected and I remain victim to derogatory statements though I have advised of identity theft.

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 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumers 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 and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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 2025-04-20 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charged off XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Charged off XXXX XXXXXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Charged off XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX * * * * * * * * XXXX Opened : XX/XX/XXXX Balance Owed : {$4000.00} Charged off XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} Collection XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Collection XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Collection

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 2025-04-20 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:
On XX/XX/year>, I sent a negotiable instrument in the amount of {$1000.00} to XXXX XXXX along with a letter citing UCC 3-104 and 3-603 ( a ), requesting they apply it as full payment or respond with a lawful reason for refusal. They responded on XX/XX/year>, refusing to honor the instrument based only on internal policy and not on any statutory or commercial law. The account is still showing as past due on my credit report, despite my lawful attempt to discharge it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I sent a negotiable instrument in the amount of {$1000.00} to American Express along with a letter citing UCC 3-104 and 3-603 ( a ), requesting they apply it as full payment or respond with a lawful reason for refusal. They responded on XX/XX/year>, refusing to honor the instrument based only on internal policy and not on any statutory or commercial law. The account is still showing as past due on my credit report, despite my lawful attempt to discharge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NE

Complaint narrative:
I am filing a complaint against Experian Credit Bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX ; XXXX ; XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.

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 2025-04-20 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:
On XX/XX/year>, I mailed a negotiable instrument to XXXX XXXX for {$470.00} along with a cover letter referencing UCC 3-104 and 3-603 ( a ), asking them to accept it as full payment or provide a lawful reason for refusal. They did not respond and are still reporting a {$620.00} balance as delinquent on my credit report, which is inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 1681s-2, and Metro 2 reporting standards, I am requesting the following : If the account is being reported as charged off, please remove any past due balance. 


Correct the reporting to reflect XXXX late payments, a {$0.00} past due balance, and 0 % utilization. 


If this can not be verified with complete accuracy, I request that the account be removed entirely from my credit report. 


XXXX  reports a {$4600.00} balance with a {$3500.00} limit, XXXX % utilization, and XXXX late payments. 


TransUnion reports the same {$4600.00} balance and {$3500.00} limit, also XXXX  % utilization, but states the account was paid on time. 


XXXX  reports a {$4600.00} balance and {$3500.00} limit, XXXX  % utilization, but shows XXXX late payments.

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 2025-04-20 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: GA

Complaint narrative:
Upon reviewing my credit report, I noticed that is inaccurately reporting a late payment for the month of XX/XX/year>. This account was paid on time, and the current reporting is incorrect. 

I respectfully request that your office initiate a reinvestigation of this matter, as outlined in FCRA 15 U.S.C. 1681i. Please provide documentation used to verify the late payment. If this information can not be verified, I request that the payment history be updated to reflect an on-time payment in accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 )

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 2025-04-20 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: GA

Complaint narrative:
Upon reviewing my credit report, I noticed that is inaccurately reporting a late payment for the month of XX/XX/year>. This account was paid on time, and the current reporting is incorrect. 

I respectfully request that your office initiate a reinvestigation of this matter, as outlined in FCRA 15 U.S.C. 1681i. Please provide documentation used to verify the late payment. If this information can not be verified, I request that the payment history be updated to reflect an on-time payment in accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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 have submitted multiple disputes to correct the personal information section of my credit report, specifically to remove outdated and inaccurate addresses. TransUnion, Experian, and Equifax continue to report incorrect, outdated, and misformatted addresses and duplicate entries of the same address in slightly varied formats. This is a clear violation of FCRA XXXX ( b ) ( requirement to maintain accuracy ) and XXXX ( a ) ( failure to investigate disputes ). 

Despite calling and submitting proof of my current address, the agencies failed to correct it. I am requesting the removal of all incorrect addresses and the retention of only the valid one listed above. 

I am already involved in active litigation concerning FCRA violations and request immediate correction and escalation.

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