vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am filing this complaint on my own behalf regarding late payments incorrectly reported on my credit record. Despite sending validation request letters over 30 days ago, I have received no response from the creditor, who has failed to provide any evidence supporting these alleged late payments as required by consumer protection laws.

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 2025-04-27 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: CA

Complaint narrative:
I booked a room with choice hotels XXXX, using my cash app debit card I paid with deposit {$360.00} for XXXX nights. I checked out of my hotel on XX/XX/year> without any problems. I was told the {$100.00} deposit would be returned to my bank after XXXX days. Well I received the invoice showing my total charges {$260.00} the hotel property said they submitted the actual charge to my bank cash app on XX/XX/year>. To this day the charge of {$360.00} is still pending on my cash app the funds have not been released and cash app is denied my claim to return my {$100.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
Back in XXXX XXXX XXXX I had a bank account with XXXX XXXX XXXX and tried to send myself money threw Zelle but it never got there or got send back to me but they took my money total of XXXX dollars Ive spoke to the company and never received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-27 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: IN

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-27 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:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX has violated My consumer rights, Equifax, and Experian had also violated the Fair Crefit Reporting Act, 15 U.S.C. 6802 outlines the obligations of financial institutions regarding disclosures of nonpublic personal information to nonaffiliated third parties. It mandates that financial institutions must provide or have provided to consumers a notice that complies with specific requirements before disclosing such information. It also restricts the sharing of account numbers for marketing purpose I have Not received such notice which is a violation to the FCRA. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option. 


XXXX is violating the Fair credit reporting Act 15U.S.C 1681 A5 section 611 states the consumer has to be notified within 5 days of the reinsertion without norifying the consumer, and wothout my permission this shouldn't have been reinserted Transunion, Experian, and Equifax are violating the Fair credit reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the account listed below has violated my federally protected consumer rights, including my right to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXXXXXX XXXX XXXX  : XXXX This account has violated my rights under federal law. 

Under the FCRA, specifically 15 U.S.C. 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the consumer.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes information and a reinvestigation finds that the information is inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to : ( i ) promptly delete or appropriately modify that information; and ( ii ) promptly notify the furnisher of the information that the item has been deleted or altered.

In addition, according to 15 U.S.C. 1681s-2, no person or entity may furnish information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, under 15 U.S.C. 1681b ( a ) ( 1 ), a person shall not furnish any information regarding a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe that the information is inaccurate.

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 2025-04-27 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: TX

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report. Please.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
Notice was sent back in XX/XX/year> saying if a payment wasnt paid in full they were putting the loan on my husband credit report so now we are getting divorced over this matter! The payment was paid prior to date on the paper. Also I have tried to email them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
I am a victim of identity theft. Someone stole my identity to open up credit credit cards, student loans. I have never gave anyone permission or authorization to open these fraudulent accounts in my name

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 2025-04-27 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: NC

Complaint narrative:
I am a victim of identity theft. Someone stole my identity to open up credit credit cards, student loans. I have never gave anyone permission or authorization to open these fraudulent accounts in my name

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 2025-04-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Cease and Desist Dear MIDLAND CREDIT MANAGEMENT, ( ACCT. XXXX XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  continues to change the status of this account in various ways on all 3 reports. The car they financed was a XXXX! AND even XXXX couldn't repair the vehicle! I called and spoke to the manager of XXXX XXXX XXXX several times reporting these facts back in XXXX! Now to this day they contend they charged off the account in XXXX of XXXX! On another report they list the account as 10 years and some odd month old! These inaccurate reporting is causing credit defamation and hardship!

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  continues to change the status of this account in various ways on all 3 reports. The car they financed was a XXXX! AND even XXXX couldn't repair the vehicle! I called and spoke to the manager of XXXX XXXX XXXX several times reporting these facts back in XXXX! Now to this day they contend they charged off the account in XXXX of XXXX! On another report they list the account as 10 years and some odd month old! These inaccurate reporting is causing credit defamation and hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  continues to change the status of this account in various ways on all 3 reports. The car they financed was a XXXX! AND even XXXX couldn't repair the vehicle! I called and spoke to the manager of XXXX XXXX XXXX several times reporting these facts back in XXXX! Now to this day they contend they charged off the account in XXXX of XXXX! On another report they list the account as 10 years and some odd month old! These inaccurate reporting is causing credit defamation and hardship!

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 2025-04-27 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: CA

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion regarding numerous inaccurate, unverifiable, and misleading accounts. 
Dispute dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

It has now been well over 30 days since the disputes were received. The credit bureaus have failed to : Complete reasonable reinvestigations ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Maintain maximum possible accuracy ( FCRA 607 ( b ) ). 
Suppress, correct, or delete inaccurate information under Metro 2 guidelines.

Avoid updating accounts while under active dispute ( FCRA 623 ( a ) ( 2 ) ( A ) ). Their continued reporting of disputed information is unlawful and reckless. 



Disputed Accounts and Issues : ( briefly listing again to stay tight and aggressive ) XXXX XXXX XXXX ( two accounts ) Not mine, unverifiable. 
XXXX XXXX XXXX XXXX XXXXXXXX contradictions in status and balance. 
XXXX XXXX XXXX XXXX XXXX XXXX, no contract. 
XXXX XXXX XXXX Conflicting open/closed status. 
XXXX XXXX XXXX Metro 2 violations ( payment history errors ). 
XXXX Unverifiable account ; no original documentation. 
XXXX XXXX XXXX Conflicting delinquency reporting across CRAs.

( Experian, Equifax, and TransUnion reports all affected. ) The credit bureaus continued failure to properly investigate and delete these unverifiable accounts constitutes violations of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ) ( A ).

Should these accounts not be permanently deleted following this CFPB complaint, I reserve my right to pursue private legal action under FCRA 616 and 617 for actual, statutory, and punitive damages resulting from their negligent and/or willful noncompliance.

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 2025-04-27 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: CA

Complaint narrative:
I submitted formal written disputes to Experian, Equifax, and TransUnion regarding numerous inaccurate, unverifiable, and misleading accounts. 
Dispute dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

It has now been well over 30 days since the disputes were received. The credit bureaus have failed to : Complete reasonable reinvestigations ( FCRA 611 ( a ) ( 1 ) ( A ) ).

Maintain maximum possible accuracy ( FCRA 607 ( b ) ). 
Suppress, correct, or delete inaccurate information under Metro 2 guidelines.

Avoid updating accounts while under active dispute ( FCRA 623 ( a ) ( 2 ) ( A ) ). Their continued reporting of disputed information is unlawful and reckless. 



Disputed Accounts and Issues : ( briefly listing again to stay tight and aggressive ) XXXX XXXX XXXX ( two accounts ) Not mine, unverifiable. 
XXXX XXXX XXXX XXXX XXXXXXXX contradictions in status and balance. 
XXXX XXXX XXXX XXXX XXXX XXXX, no contract. 
XXXX XXXX XXXX Conflicting open/closed status. 
XXXX XXXX XXXX Metro 2 violations ( payment history errors ). 
XXXX Unverifiable account ; no original documentation. 
XXXX XXXX XXXX Conflicting delinquency reporting across CRAs.

( Experian, Equifax, and TransUnion reports all affected. ) The credit bureaus continued failure to properly investigate and delete these unverifiable accounts constitutes violations of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ) ( A ).

Should these accounts not be permanently deleted following this CFPB complaint, I reserve my right to pursue private legal action under FCRA 616 and 617 for actual, statutory, and punitive damages resulting from their negligent and/or willful noncompliance.

Company response to consumer: Closed with non-monetary relief