vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices, which violates Consumer Financial Prot Act ( CFPA ). Specifically Cash App failed to take timely and effective measured to prevent and adress fraud on their platform, leaving my account vulberable to and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against Equifax for their continued and willful reporting of multiple inaccurate, unverifiable, and legally deficient accounts on my credit file. I have submitted certified written disputes and filed multiple complaints through the Consumer Financial Protection Bureau ( CFPB ). Despite these actions, Equifax refuses to remove the disputed accountseven though XXXX, another major bureau, has already permanently deleted one of the same accounts after deeming it unverifiable and failing to meet legal standards for credit reporting. 

The following accounts are currently being disputed with Equifax : * XXXX XXXX XXXX XXXX XXXX XXXX / Account # XXXX * XXXX XXXXXXXX XXXX XXXX Account # XXXX Equifax has consistently engaged in stall tactics by denying receipt of my mailed disputes while simultaneously issuing responses through the CFPB portalconfirming they did receive my communications. This pattern reflects a willful disregard of the Fair Credit Reporting Act ( FCRA ), a refusal to reinvestigate, and a direct violation of consumer rights under Section 623 of the FCRA, constituting both defamation and willful harm to my personal and financial reputation. 

XXXX failure to safeguard my personally identifiable informationclearly outlined in the findings of XXXX re : Equifax , Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), the Federal Trade Commission Act ( 15 U.S.C. 45 ), and the XXXX XXXX ( 15 U.S.C. 6801 ). XXXX continued reliance on automated processes like E-OSCAR falls short of these legal obligations outlined in 15 U.S.C. 1681i. Equifax must implement reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Simply accepting a data furnishers word is insufficient and unlawful. 

Additionally, the FTCs XXXX opinion letter and Federal Trade Commission Act ( FTC Act ) 15 U.S.C. 45 ( a ) make it clear : once a consumer notifies a credit bureau of disputed information, the agency must verify it through proper documentation and lawful meansor remove it. Equifax has done neither. 
Furthermore, XXXX failure to validate these accounts constitutes a violation of Section 809 ( b ) of the Fair Debt Collection Practices Act, along with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), the Truth in Lending Act ( 15 U.S.C. 1666b ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692j ), the Debt Bondage Repair Act ( 15 U.S.C. 1681c3 ), the Privacy Act of 1974, and the Securities Exchange Act of 1934.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Late Payments on Student Loan Account To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my student loan account ( s ) serviced by MOHELA which I believe are inaccurate and unfairly damaging my credit report. The late payments reported do not reflect the full circumstances and may be the result of servicing errors or miscommunication on the part of the loan servicer.

I have made every effort to maintain timely payments and stay in good standing, and I believe the reported delinquencies may be due to my forbearance ending. I was not properly made aware of my forbearance ending. They have retroactively applied a new for trace however my late payments have not been updated. I contacted the servicer multiple times to resolve this matter, but I have not received an adequate explanation or correction.

These late payment marks have had a negative impact on my credit profile, and I respectfully request that the CFPB review my case and assist in facilitating the removal or correction of these inaccurate entries. I have attached supporting documentation, including [ e.g., account statements, payment confirmations, communication logs, etc. ], for your reference. 

I appreciate your attention to this matter and look forward to a fair resolution. 

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 2025-04-15 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: Experian Information Solutions Inc.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$4300.00}

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing a XXXX XXXX account that is being reported on my credit file as charged off, yet it still reflects a balance owed. More importantly, the reported balance is different on Experian and Equifax, which demonstrates inconsistent and potentially inaccurate reporting.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2, furnishers of information are required to report accurate and complete information. Additionally, under FCRA 1681i, credit reporting agencies must investigate and correct or delete any information that is inaccurate, incomplete, or can not be verified. 

The inconsistency in the balance across the two bureaus suggests that the data being reported is not reliable. If the account has been charged off and sold or resolved, the balance should either be updated to {$0.00} or clearly reflect its current status. This reporting is damaging to my credit and does not reflect fair or accurate information.

Because the information is conflicting and possibly unverifiable, I am formally requesting that this Capital One account be removed ( deleted ) from all of my credit reports in accordance with FCRA 1681i ( a ) ( 5 ) ( A ).

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
XXXX to CFPB Case XXXX Continued Dispute of Invalid Debt To Whom It May Concern, I am responding to your letter dated [ insert date of their letter ], regarding the alleged account with XXXX XXXX XXXX XXXXXXXX XXXX purportedly opened on XX/XX/year>, and subsequently acquired by LVNV Funding LLC. 

I reiterate that I do not owe this debt. I never opened an account with XXXX XXXX XXXX, XXXX, never entered into any agreement with them, and have no knowledge of this alleged debt. Furthermore, I did not authorize any charges, applications, or agreements related to this account. 

I formally request the following under my rights per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : A full validation of the debt, including a signed agreement bearing my signature, application documents, and a full payment history from the original creditor.

The name and address of the original creditor. 

A detailed explanation of how this alleged debt was verified and validated for accuracy before being reported to credit bureaus. 

Immediate removal of this disputed tradeline from my credit report if you can not provide adequate validation. 

Until you provide this documentation, you are required to cease collection activity and mark the account as " disputed '' on all credit reporting. 

Please note, continued collection attempts without proper validation constitute a violation of federal law, and I reserve the right to pursue legal action and file additional complaints with the CFPB, FTC, and my state attorney generals office. 

I request that all further communication be made in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX CARD XXXX BALANCED {$5700.00} XXXX XXXX XXXX XXXX BALANCED {$200.00} XXXX XXXX XXXX XXXX BALANCED {$10000.00} XXXX CARD XXXX BALANCED {$3000.00} TD BANK NA - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX has falsely reported late payments on my consumer report, despite all payments being made on time, in full, and by their due dates. These late fees are fraudulent and appear to be the result of a billing error or predatory practice. This incorrect reporting has caused serious harm to my reputation, character, lifestyle, and my familys well-being.

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 2025-04-15 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: MA

Complaint narrative:
XXXX XXXX XXXX has falsely reported late payments on my consumer report, despite all payments being made on time, in full, and by their due dates. These late fees are fraudulent and appear to be the result of a billing error or predatory practice. This incorrect reporting has caused serious harm to my reputation, character, lifestyle, and my familys well-being.

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 2025-04-15 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Continue to get mail about this debt, including a court date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
This morning, I saw some incorrect accounts listed on my credit report, and Im unsure how they got there. I review my report regularly, but this time, unexpected discrepancies appeared. I even refreshed the browser thinking it might be a technical glitch, but the inaccurate accounts remained. Given this, I kindly ask that the documents I submitted be carefully reviewed so I wont have to stress over this issue anymore.

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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts on my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
There are hard inquiries on my account that I did not authorize and I would like for them to get deleted because this is inaccurate information. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief