vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date : [ XXXX ] XXXX Consumer Assistance XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Inaccurate Reporting and Request for Documentation XXXX Account Dear XXXX Dispute Department , I am writing to formally dispute an inaccurate item currently appearing on my XXXX credit report. The account in question is listed under XXXX and is being reported as a collection account with an outstanding balance, despite having been closed on XX/XX/XXXX. 

Here are the account details for reference : Creditor : XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$650.00} Last Reported : XX/XX/XXXX This account is inaccurately reflecting an open balance after being closed, and this misreporting could be harming my creditworthiness. I respectfully request that this information be investigated and either corrected or removed from my credit report if it can not be verified as accurate. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I request that XXXX provide a copy of the original written agreement or documentation showing that I authorized XXXX or any third party to access or use my credit. Without such documentation, this account should not be reported on my credit file. 

Please complete the investigation within the 30-day time period required by law and provide written results, along with any documentation relied upon in your decision. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 explanation
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
TransUnion is currently reporting XXXX charge-off accounts that reflect either inconsistent balances or unresolved inaccuracies that do not align with the current status of the accounts. The entries from XXXX ( Account XXXX. XXXX * * - {$770.00} ), XXXX XXXX ( Account XXXX. XXXX - {$3900.00} ), XXXX ( Account XXXX. XXXX - {$23000.00} ), and XXXX TRUCK CAP ( Account No. XXXX - {$0.00} ) * * all demonstrate a failure to verify the completeness and accuracy of consumer reporting data. In particular, reporting a charge-off for an account that shows a {$0.00} balance, such as the entry for XXXX XXXX XXXX, is not only misleading but legally indefensible. This careless reporting creates a deceptive picture of my financial responsibility and causes undue harm. These inconsistencies may very well be the result of a data breach that has affected my records and introduced erroneous and damaging information.

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 2025-05-05 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.

Complaint narrative:
Please see case file ( s ) XXXX filed on XX/XX/year> ; XXXX filed on XX/XX/year> ; XXXX filed on XX/XX/year>. The CFPB seems to have closed the file without thorough investigation - I hope that is not the case. I called and spoke with a CFPB representative that informed me that my complaint would be accepted for review. Please see letter to Equifax below : Dear Equifax Inc. 
Thank you for reaching out for more information. Please find enclosed : 1 ) Drivers licence 2 ) Passport 3 ) T4A from Business Employer 4 ) The Credit Report 5 ) Equifax deference statement Equifax Inc., through its XXXX XXXX, continues to report inaccurate and disputed information, despite a ruling in my favour by the XXXX XXXX XXXX ( XXXX ). I have received no proof of any investigation from Equifax, nor any documentation supporting their continued reporting. As a XXXX consumer harmed by this multinational corporations lack of oversight and transparency, I am seeking Equifax Inc.s intervention. 
I believe that the XXXX parent company has a responsibility for global compliance and systemic harm caused by its XXXX XXXX I have exhausted XXXX remedies and Equifax is damaging my ability to access credit unfairly based on false reporting. Furthermore, Equifax has not reported the debt as in dispute violating consumer protection laws in both countries. 

Please refer to CFPB case numbers for fulsome documentation supporting my case : XXXX filed on XX/XX/year> XXXX filed on XX/XX/year> XXXX filed on XX/XX/year> I look forward to your assistance in resolving this serious, unjust matter on my behalf. 
I place my trust in Equifax Inc. While I do not live in the XXXX, my daughter attended XXXX XXXX, New York XXXX - so, I do have close ties with the XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Earnest Inc.
State: WI

Complaint narrative:
XXXX has sent back the same rejection letter yet again, this would be the XXXX time. My final point is just this : My loan is not federal and would not be paid back to the school. It is a private loan. I'm seeking the XXXX XXXX XXXX that XXXX offered but skipped over. I attended a fraudulent school, the Minnesota XXXX XXXX XXXX XXXX XXXX University, where my Federal Loans were already forgiven. I refinanced my loan from Bank XXXX North Dakota to XXXX, now Earnest, a part of XXXX. 

XXXX is treating my loan as if it were a XXXX XXXX. It is not.

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

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-05 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: Self Financial Inc.
State: PA

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX days ]. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I have noticed the following unauthorized inquiries on my XXXX  Credit Report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year> and XXXX XXXX XXXX XXXX XX/XX/year>. 

I am also disputing a unauthorized inquiry on my Experian Credit Report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed ; XXXX XXXX inquiry date XX/XX/year>, please remove this

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 2025-05-05 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
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 non-monetary relief
Consumer complaint received 2025-05-05 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:
To whom this may concern ; My name is XXXX XXXX XXXX and this is not a third party filing this complaint. After careful review of my consumer report I have notice a TON of FRAUDULENT ACCOUNTS, ADDRESSES, SOCIAL SECURITY NUMBER as well as names. I have attached the following for your review. I have also attached the correct information for you as well. Please remove all those inaccuracies and update my information correctly. Thank 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 2025-05-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App closed account without warning, claiming I violated their terms of service, but they never explained what the violation was, despite multiple requests. I was forced to liquidate my entire investment portfolio but after selling my stocks, I discovered major discrepancies in the cash received from each transaction. I also used Cash App for direct deposit from my employer. This disrupted my income and left me with no access to my paycheck while I was trying to resolve the issue.

I documented every single stock sale with full screenshots and created a detailed discrepancy report showing that {$1700.00} of my sale proceeds were never credited to my balance. These were not minor miscalculations they were large gaps in expected proceeds from legitimate trades. I contacted support via phone and email, and even provided to them my full evidence, but I received generic responses with no resolution. I was told the investments team only communicates via email and that support could not provide updates, escalate, or give me a timeline.

Cash App then attempted to say the IRS flagged a TIN mismatch, but the form they sent me to update my details did not work. When I followed up, they admitted I would not be able to update anything due to my account being restricted effectively trapping my funds and limiting my ability to fix the issue.

When I asked for help updating my info, they told me it was not possible and that the matter was under review with no way to escalate or verify myself.

I now have lost access to my investment funds, direct deposit, and still havent recovered the missing {$1700.00} from the trades I made.

This is a serious failure in transparency, user protection, and financial accountability. Ive recorded the customer service call, created a formal report of missing funds, and provided them every opportunity to correct this. I still have not received the full proceeds from my stock sales, nor have I received a legitimate explanation for the account closure.

Im asking the CFPB to hold Cash App accountable, help me recover my missing funds, and ensure they follow fair and legal processes for account closures and withheld investment earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Complaint XXXX is a separate complaint and is not a duplicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the collection practices of a company I believe to be acting unfairly and potentially illegally. The company in question is XXXX XXXX XXXX, with a debt now being collected through Sequium Asset Solutions at pay.sequium.com. 

In XX/XX/XXXX, I applied for and received media services through XXXX XXXX XXXX in the amount of {$15000.00}. I made consistent, good-faith payments under the agreed terms until I was no longer financially able to meet their biweekly demand of {$800.00}. At that point, I requested a lower and more manageable payment plan. However, the company refused to offer any alternative payment options despite my willingness to continue paying. 

In XX/XX/XXXX, I received a statement from XXXX XXXX XXXX account # XXXX showing that my remaining balance was {$6400.00}. However, I was recently notified that my account had been transferred to Sequium, and they are now attempting to collect an inflated balance of {$12000.00} account # XXXX double the amount previously documented. 

This appears to be a deceptive and potentially illegal collection practice. It is unreasonable and unjust to attempt to collect more than the balance that I have already worked hard to reduce. I believe my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws may have been violated. 

I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX and Sequium Asset Solutions are held accountable for any unlawful or unethical practices. I have documentation to support my claim, including the XX/XX/XXXX statement showing the {$6400.00} balance. 

Thank you for your time and attention to this serious matter. Please let me know if you require any further documentation or details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-05 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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