vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXXXXXX ) - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I received my credit report via XXXX mail in XXXX of XXXX, and noticed there are some inaccuracies being reported as late payments. 

I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which Experian has engaged in. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies in my report may have resulted from such practices.

Highlighting improper practices when handling consumer disputes.

These accounts are listed with late or missed payments, and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXXXXXX XXXX late payment is being reported. 
I was never late on XX/XX/XXXX on this account Please update the account as Paid/Current. 

XXXX account closed XX/XX/XXXX, late payment reporting. 
I was never late on XX/XX/XXXX or XX/XX/XXXX on this account. Please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I demand these items be investigated and updated on my credit file, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will RECHECK these items with the creditor who has posted them. 

15 U.S. Code 1605 - Determination of finance charge 15 U.S. Code 1666b. Timing of payments.

Reporting LATE PAYMENTS is ILLEGAL according to : 15 USC 1681a ( 2 ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).

Remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this Re-investigation within 15 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX SS : XXXX Without Prejudice, All Natural Inalienable Rights Reserve

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I received my credit report via XXXX mail in XXXX of XXXX, and noticed there are some inaccuracies being reported as late payments. 

I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), which Experian has engaged in. Specifically, the CFPB has alleged the following : XXXX. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 
XXXX. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies in my report XXXX have resulted from such practices. 
Highlighting improper practices when handling consumer disputes. 
These accounts are listed with XXXX or missed payments, and that is incorrect. The following accounts were NEVER XXXX and should be listed as XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Bank XXXX payment is being reported. 
I was never XXXX  on XX/XX/XXXX on this account Please update the account as XXXX 

XXXX account closed XX/XX/XXXX, XXXX  payment reporting. 
I was never XXXX  on XX/XX/XXXX or XX/XX/XXXX on this account. Please update the account as XXXX 

By the provisions of the Fair Credit Reporting Act, I demand these items be investigated and updated on my credit file, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been XXXX. 
It is my understanding that you will RECHECK these items with the creditor who has posted them. 

XXXX XXXX XXXX XXXX - Determination of finance charge XXXX XXXX XXXX XXXX. Timing of payments. 

Reporting XXXX PAYMENTS is ILLEGAL according to : XXXX XXXX XXXX ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

Remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this Re-investigation within XXXX days of receipt of this letter. 
Please send an updated copy of XXXX XXXX XXXX reflecting the requested changes. 

Best Regards, XXXX XXXX SS : XXXX Without Prejudice, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: SC

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of multiple accounts on my Equifax credit report in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i. I previously attempted to resolve this through standard dispute processes, but the information remains uncorrected or unverifiable. 
XXXX XXXXXXXX XXXX  : Closed and last activity dates do not match across all 3 bureaus. 
XXXX XXXX : Does not report to XXXX, only Equifax and XXXX. I request deletion from Equifax due to inconsistent reporting. 
XXXX XXXXXXXX : Different closed and last activity dates across all bureaus. 
XXXX XXXX : Closed dates do not match across bureaus. 
XXXX XXXX : Reports positively ( paid/good standing ) only on Equifax. I request accurate and consistent reporting across all. 
Department of Education : Reports paid as agreed on one bureau but not all. 
XXXX XXXX : Reports multiple accounts. XXXX shows paid/satisfactory, but Equifax does not. 
XXXX XXXX XXXX : Closed dates differ across bureaus ; not reported on XXXX at all. 

I am requesting proper reinvestigation and correction or deletion of these accounts due to non-compliance with the FCRAs accuracy and verification standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
In XXXX and XX/XX/year>, while I was incarcerated, a total of {$9400.00} was withdrawn from my Cash App account via two unauthorized payments to the same individual. I did not authorize or initiate these transactions. Specifically : On XX/XX/year>, a payment of {$7500.00} was sent to XXXX XXXX. 
On XX/XX/year>, another payment of {$1900.00} was sent to the same recipient. 

I was in jail and had no access to my phone or Cash App account during those times. I discovered this issue after my release and filed a dispute with Cash App ( Case # XXXX ). Despite providing information about my incarceration and lack of access during the time of the transactions, Cash App denied my claim and refused to take further action. 

I have documentation confirming : I was incarcerated in XXXX XXXX at the time ( Case # XXXX ). 
The transaction records showing the unauthorized transfers. 
Communications with Cash App regarding the dispute outcome and closure. 

I am seeking full reimbursement of the stolen funds and am requesting that the CFPB review this complaint and assist in compelling Cash App to re-open and resolve my claim fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, I voluntarily surrendered my vehicle to the lender after experiencing unexpected financial hardship due to unforeseen personal and financial hardships. At the time, I proactively contacted the lender to explain my situation and explore options. When no reasonable alternatives were offered, I made the difficult decision to return the vehicle voluntarily, rather than allowing it to be forcibly repossessed. 

I am requesting that this negative item be removed from my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611, which mandates that all information on a credit report must be accurate, complete, and verifiable. While the account itself is not in dispute, I believe that the continued reporting of this derogatory mark does not reflect the full context specifically that the vehicle was voluntarily surrendered, not forcibly repossessed. This key distinction is often not clearly communicated in credit reporting, which may result in unfair damage to a consumers profile.

Additionally, under FCRA Section 602 ( A ), consumers are entitled to fair and equitable treatment. I cooperated fully with the lender and acted in good faith. Since the incident, I have made consistent efforts to improve my financial health and maintain a positive credit history.

I respectfully request that, in light of my voluntary surrender, the lender considers a goodwill deletion of this negative remark from my credit report. This account does not reflect my current financial behavior and is severely impacting my access to fair credit and opportunities. I ask that it be removed or updated to reflect the voluntary nature of the surrender, effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I pull up my credit report these addresses on my credit report they do not belong to me XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NV 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 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
I am filing this complaint to dispute the accuracy of a charge-off account being reported by Experian and Equifax for the account listed as TOTAL XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). 

There are several issues that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 1. The account is reported with a {$0.00} balance but is still being listed as a collection/charge-off, which is misleading and inaccurately reflects my financial status.

2. There are inconsistencies in the credit limit reporting : Experian shows a {$300.00} limit, while Equifax shows {$0.00}. This lack of uniformity indicates incomplete or incorrect data reporting.

3. Under the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau ( CFPB ), a creditor must wait a minimum of 180 days from the date of first delinquency before charging off an account. In my case, the account was opened in XX/XX/XXXX, and a charge-off was reported by XX/XX/XXXX, which does not allow for the full 180-day delinquency period. This indicates the account may have been charged off prematurely, in violation of federal guidelines. If the creditor can not provide clear documentation that this timeline was met in accordance with the law, I request that the charge-off be immediately removed from my credit report.

4. Equifax reports the account as derogatory but shows no payment history whatsoever for the month of XXXX and XX/XX/XXXX. This could indicate unverifiable or incomplete information, further discrediting the legitimacy of the reported derogatory status. 

I respectfully request the CFPB to investigate this matter. I also request that Experian And EQuifax be required to provide proper validation and supporting documentation for this account. If they can not provide verifiable and accurate data, I demand that the charge-off be removed from my credit report immediately. 


-- - * * Consumer Information : * * Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2025-06-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-15 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:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within XXXX business days of receipt : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief