vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing a letter to formally dispute certain inquiries listed on my credit report, which I did not authorize or have any knowledge of. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 [ 15 U.S.C. 1681b ], credit reporting agencies are only permitted to include inquiries on a consumer report that were made with the consumer 's written permission or under specific legal circumstances. 
Despite submitting a dispute regarding the following item ( s ), the credit bureaus ( TransUnion, Equifax, Experian, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc. ), have either failed to remove or continues to report information that is unauthorized under FCRA although I have disputed and requested verification and/or validation but have not received anything. With my last attempt to contact Transunion, the rep stated, " It has to be over a year before they will even consider my dispute or removal of unauthorized inquiries. '' The following inquiries were made without my knowledge or authorization and should be investigated and removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Experian Business Credit : XXXX XXXX, XXXX - Experian Business Credit : XXXX XXXX, XXXX I am requesting that these inquiries be deleted from my credit report immediately. If the companies that made these inquiries can not provide documented proof of my authorization, the entries must be removed in compliance with the FCRA. 
Please consider this a formal dispute of these unauthorized inquiries. I am also requesting a new copy of my credit report showing the removal of these entries once the investigation has been completed. ( I have requested this verification several times from previous disputes and never received 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
According to FCRA sec

tion 605b, law 15, USC 6802b, it is illegal to report anything on my credit report without my permission. Please remove this negative item Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Square , Inc. regarding an ongoing issue involving the unjustified withholding of my business funds and the company 's lack of transparent communication. I am a manager and authorized personnel for XXXX XXXX XXXX and was conducting online payment from client when square blocked our payment processing and asked for paperwork. I provided all paperwork, but then they deactivated our account on XX/XX/year> and are withholding funds. I tried to communicate with them via phone and email, but they said that their decision is final and they won't tell me any reason for doing that. They are not even giving me an opportunity to provide more paperwork Amount withheld {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: IN

Complaint narrative:
On XX/XX/year>, I sent a certified letter to JEFFERSON CAPITAL SYSTEMS LLC requesting documentation related to my account. Specifically, I asked for the original account number, the date the account was opened, a payment history ledger, the date of the last payment, and any documents that bore my handwritten signature. This account is currently Placed for collection. Additionally, I requested a response within thirty days of sending the letter. However, I have yet to receive a written response from this creditor validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Subject : Formal Dispute Incomplete and Inaccurate Auto Loan Reporting J.D. BYRIDER / CNAC ( Acct # : XXXX ) To Whom It May Concern, This is a formal dispute of the information being reported by J.D. Byrider / CNAC regarding the following auto loan account on my XXXX credit file : Creditor : J.D. BYRIDER / CNAC Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$20000.00} Late Payment History : 60 Days Past Due ( as of XX/XX/XXXX ), other delinquencies shown The reporting of this account is incomplete, inconsistent, and materially inaccurate, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Legal Violations : FCRA 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy. This account shows overlapping and inconsistent payment data, including multiple entries for the same months, and no evidence of actual late-payment notices.

FCRA 1681i ( a ) ( 1 ) ( A ) I am exercising my right to dispute this information. If you can not verify each late payment or delinquency with original documentation, the information must be corrected or deleted within 30 days.

FCRA 1681s-2 ( b ) Furnishers must investigate and verify any disputed data with accurate, original information. If CNAC can not provide documented proof of late payments and account terms, the data must be removed.

FDCPA 809 ( b ) If this account has been escalated to internal or external collections, I demand validation of the debt in writing, which has not been provided.

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

Complaint narrative:
I am reporting Experian for repeatedly verifying inaccurate and outdated information on my credit report, despite multiple disputes. Specifically, there are charge-off accounts that are over three years old which continue to have their dates updated, making it appear as if they are more recent. This illegitimately restarts the reporting timeline, negatively impacting my credit profile. 

I have submitted multiple disputes to Experian, yet the same accounts come back as verified without proper investigation or resolution. I have not received meaningful responses or adequate documentation showing how these accounts were verified. 

As a U.S. military veteran, this situation is preventing me from refinancing my home, which I need to do in order to manage and reduce my credit card debt. Experians failure to accurately report and investigate this data is causing me significant financial and emotional distress.

I am requesting that the FTC investigate Experians credit reporting practices, specifically regarding outdated charge-off accounts and the failure to properly investigate consumer disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am reporting Experian for repeatedly verifying inaccurate and outdated information on my credit report, despite multiple disputes. Specifically, there are charge-off accounts that are over three years old which continue to have their dates updated, making it appear as if they are more recent. This illegitimately restarts the reporting timeline, negatively impacting my credit profile. 

I have submitted multiple disputes to Experian, yet the same accounts come back as verified without proper investigation or resolution. I have not received meaningful responses or adequate documentation showing how these accounts were verified. 

As a U.S. military veteran, this situation is preventing me from refinancing my home, which I need to do in order to manage and reduce my credit card debt. Experians failure to accurately report and investigate this data is causing me significant financial and emotional distress.

I am requesting that the FTC investigate Experians credit reporting practices, specifically regarding outdated charge-off accounts and the failure to properly investigate consumer disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted dispute letters ( including valid ID, Social Security Card, and a bill dated within 30 days of the letter ) on the following dates : XXXX, XX/XX/year>, XX/XX/year>. 

I disputed the following accounts : Money Lion- Acct # XXXXXXXX XXXX XXXX XXXX XXXX  {$140.00} Charge Off ( Transunion and Equifax XXXX, Credit XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} Repossession ( Transunion ) XXXX XXXX XXXX- Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2100.00} Collection/Charge Off ( Transunion and Equifax ). 

Inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian and Transunion ) I received several letters from Experian asking for my identification, which I had already provided. When I called, they asked for clear copies, even though my initial copies with sent in high resolution color copies, I resent them again and continued to get the same letters and the same request when calling. I also received a letter stating I didn't have authorization to dispute. 
I have received no response from Equifax or Experian

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

Complaint narrative:
I submitted dispute letters ( including valid ID, Social Security Card, and a bill dated within 30 days of the letter ) on the following dates : XXXX, XX/XX/year>, XX/XX/year>. 

I disputed the following accounts : Money Lion- Acct # XXXXXXXX XXXX XXXX XXXX XXXX  {$140.00} Charge Off ( Transunion and Equifax XXXX, Credit XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} Repossession ( Transunion ) XXXX XXXX XXXX- Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2100.00} Collection/Charge Off ( Transunion and Equifax ). 

Inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian and Transunion ) I received several letters from Experian asking for my identification, which I had already provided. When I called, they asked for clear copies, even though my initial copies with sent in high resolution color copies, I resent them again and continued to get the same letters and the same request when calling. I also received a letter stating I didn't have authorization to dispute. 
I have received no response from Equifax or Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV funding is reporting negative information to my report that I believe is not mine. I am requesting validation.

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Financial Services, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I called Eagle loan company, I spoke with XXXX about my account and asked her why my balance was {$4600.00} on my credit report. I asked her for a detailed breakdown of total amount showing on my credit report. She could not give me any information at the time and said she would mail me the information. I received the letter in the mail from Eagle loan company on XX/XX/XXXX. It is a typed up letter with a letter head/footer with account number, payment amount and dates. Not anything from a computer system showing how or when it was paid ( check/cash/automatic banking withdrawal ). It is all hand typed. It is also missing payment dates from the months of XXXX XXXX and XX/XX/XXXX and so on. Also the fact that this car was repoed in XX/XX/XXXX, when the account was still in good standing. And I was not in a position to hire a legal attorney to fight it at that time in XXXX. Also, the account number on my original contract and the account number on the typed letter they sent in the mail are different by one number. And not to mention that the Vin number was tampered with after the purchase agreement was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account, which you claim originated with ( XXXX XXXX ) Please be advised that, according to my records, this debt is beyond the statute of limitations for legal collection in my state ( [ CALIFORNIA ] ). Therefore, you are legally barred from suing or threatening to sue me for this alleged debt.

Furthermore, continued attempts to collect on this time-barred debt may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally request that XXXX XXXX XXXX : 1. Cease all collection efforts on this account.

2. Immediately delete all references to this account from all credit reporting agencies.

This letter is not an admission of liability or a promise to pay. It is simply a formal request that you comply with state and federal laws regarding expired debts and credit reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account, which you claim originated with ( XXXX XXXX ) Please be advised that, according to my records, this debt is beyond the statute of limitations for legal collection in my state ( [ CALIFORNIA ] ). Therefore, you are legally barred from suing or threatening to sue me for this alleged debt.

Furthermore, continued attempts to collect on this time-barred debt may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally request that XXXX XXXX XXXX : 1. Cease all collection efforts on this account.

2. Immediately delete all references to this account from all credit reporting agencies.

This letter is not an admission of liability or a promise to pay. It is simply a formal request that you comply with state and federal laws regarding expired debts and credit reporting

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