vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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 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 explanation
Consumer complaint received 2025-05-21 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XXXX XXXX XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX XXXX  XXXX. XXXX 2000, XXXX, PA XXXX Subject : Dispute of Inaccurate Reporting MoneyLion Account # XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file regarding a MoneyLion account with the partial account number XXXX. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit report following a reinvestigation. I dispute the accuracy of the information being reported for this account and request that you open an immediate reinvestigation. 
To validate this account, I request that you obtain and provide : 1. A copy of the original contract or loan agreement, bearing my wet ( handwritten ) signature, not an electronic or digital version.

2. Any supporting documents used by the data furnisher ( XXXX ) to verify this debt. 
If this documentation can not be provided or verified, I respectfully request that the account be removed from my credit report in accordance with the FCRA. 
Attached are copies of my : Government-issued photo ID XXXX of current address Credit report with the disputed account clearly highlighted Please complete the reinvestigation and provide me with a written response of your findings within the required XXXX time period. 

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 2025-05-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date : XXXX XXXX XXXX To : Experian P.O. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. Box XXXX, XXXX, GA XXXX XXXX  XXXX. XXXX 2000, XXXX, PA XXXX Subject : Dispute of Inaccurate Reporting MoneyLion Account # XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file regarding a MoneyLion account with the partial account number XXXX. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit report following a reinvestigation. I dispute the accuracy of the information being reported for this account and request that you open an immediate reinvestigation. 
To validate this account, I request that you obtain and provide : 1. A copy of the original contract or loan agreement, bearing my wet ( handwritten ) signature, not an electronic or digital version.

2. Any supporting documents used by the data furnisher ( XXXX ) to verify this debt. 
If this documentation can not be provided or verified, I respectfully request that the account be removed from my credit report in accordance with the FCRA. 
Attached are copies of my : Government-issued photo ID XXXX of current address Credit report with the disputed account clearly highlighted Please complete the reinvestigation and provide me with a written response of your findings within the required XXXX time period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable 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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
Spring Oaks Capital is attempting to collect a debt without proving ownership or providing proper documentation. This account is listed as opened on XX/XX/year>2021, for {$610.00}. On one report, Spring Oaks is listed as the original creditor, while another lists XXXXXXXX XXXX This contradiction is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent information. 

I have never received any debt validation from Spring Oaks or proof of a relationship with XXXX XXXX. I was not informed of this debt being transferred or sold. Without documentation, Spring Oaks has no legal right to collect or report this debt. 

The account was previously disputed, but remains on my credit report without any resolution or proof of its legitimacy. It is currently damaging my credit score and may be the result of incorrect assignment or unverifiable debt buying. 

I am requesting that this collection be fully removed from all credit reporting agencies due to its lack of validation, conflicting creditor reporting, and failure to comply with FCRA and FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXExperiaXXXX XXXX XXXX TX XXXXDate: XXXXSubject: Dispute of Inaccurate Credit Reporting under FCRA (15 USC  1681i &  1681s-2)\n\nTo Whom It May Concern,\n\nI am writing to formally dispute inaccurate information on my Experian credit report associated with the following account:\n\t\tCreditor: XXXXAccount Number: XXXX XXXX XXXX XXXXUpon reviewing my credit report, I have identified several inaccuracies:\n\t1.\tInaccurate Status Description: The account is listed as charged off with a written-off amount of XXXX and a past due balance of XXXX. This reporting is misleading and inconsistent. An account that is charged off should not simultaneously reflect a past-due status or suggest ongoing delinquency as of XXXX XXXX, especially after being closed.\n\t2.\tDate Discrepancies: The account status reflects updates in XXXX and XXXX XXXX. Please verify the accuracy of these updates, as they may be misreported or improperly updated.\n\t3.\tBalance Reporting Conflict: The balance of XXXX is listed even though the account is noted as charged off. According to FCRA, once an account is charged off and sold or transferred, the balance should reflect accordingly and not imply continued consumer liability inaccurately.\n\t4.\tAccount Closure Comment: The comment Account closed at credit grantors request lacks sufficient context. This can be misleading and damaging to my credit standing, especially when combined with the other inconsistent status entries.\n\nIn accordance with the Fair Credit Reporting Act (15 U.S.C.  1681i), I am requesting that Experian conduct a full investigation into this account and correct or delete any inaccurate or unverifiable information. Please also provide me with a copy of the results of your investigation and an updated credit report.\n\nAttached are documents supporting my identity and this dispute:\n\t\tA copy of my drivers license\n\t\tA recent utility bill (or other form of address verification)\n\nPlease respond to this dispute within the 30-day timeframe required by law.\n\nSincerely,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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Company : Multiple ( XXXX XXXX XXXX, XXXX XXXX, Southwest Credit Systems ) Issue : Multiple debt collectors are reporting fraudulent accounts with illegal inaccuracies, violating the FCRA and FDCPA. 

1. XXXX XXXX XXXX ( Account # XXXX - {$630.00} ) - Impossible Dates : " Collection as of XXXX XXXX to XX/XX/XXXX '' ( time discrepancy ) - Illegal Reporting Timeline : * * Claims it will remain until XX/XX/XXXX ( beyond 7-year FCRA limit ) - Original Creditor : " XXXXXX/XX/XXXX' ( misspelled, unverified ) 2. XXXX Funding ( Account # XXXX - {$880.00} & # XXXX - {$260.00} ) - Fraudulent Dates : - Account # XXXX : " XXXX XXXX to XX/XX/XXXX '' - Account # XXXX : " XXXX XXXX to XX/XX/XXXX '' - Balance Discrepancies : - Account # XXXX shows both * * {$790.00} and {$790.00} - Account # XXXX reports * * {$260.00} for 13+ months ( no change ) - Original Creditor Issues : - " XXXX XXXXXX/XX/XXXX. '' ( unverified ) - " XXXX XXXX '' ( highly questionable reporting ) 3. Southwest Credit Systems ( Account # XXXX - {$410.00} ) - Time Fraud : Claims collections from XX/XX/XXXX to XXXX XXXX ( impossible date range ) - Balance Inflation : Original {$290.00} inflated to {$410.00} ( 43 % increase ) - Illegal Reporting Timeline : Says it will remain until XX/XX/XXXX ( beyond 7-year limit ) - Faulty Payment History : " No Data '' months mixed with collections Attempts to Resolve : - Filed FTC Identity Theft Report ( attached ) - Disputed with * * all 3 credit bureaus * * ( XX/XX/XXXX ) XXXX Sent debt validation letters ( no adequate response )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am afraid of my information being apart of the data breach because in the past I have contacted cash apps customer service number and gave them my social emails and picture of an ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I had a mortgage loan originally serviced by XXXX. I believe the loan was predatory and caused significant financial hardship. Recently, I received a {$2300.00} check related to an XXXX settlement, but I was given no explanation, documents, or findings to understand what it covered or whether my specific mortgage was included. 

Now, Fay Servicing is trying to foreclose on my home. I filed for bankruptcy to try to protect my home, but I urgently need to know whether I have any protections or claims under the XXXX settlement that would help me stop the foreclosure. 

I have contacted the Massachusetts Attorney Generals Office, the Division of Banks, and other agencies but have not been able to get clear information or help. I am at serious risk of losing my home. My husband has suffered multiple XXXX and lives with a XXXX XXXX which makes this situation even more urgent. 

I am asking the CFPB to help me get the records and information related to the XXXX settlement and to ensure that Fay Servicing is acting lawfully in their foreclosure actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is a formal dispute concerning inaccurate and unauthorized information appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 15 U.S.C. 1681i, and I request the immediate removal of the following : XXXX XXXX BANK XXXX ] [ XXXX ] CXXXX  [ XX/XX/year> These inquiries were not authorized by me, nor did I initiate any application for credit or services with the listed entities. Under 15 U.S.C. 1681b, a permissible purpose and written consent are required for a hard inquiry. Their reporting constitutes a willful violation of my rights, subject to civil liability under 15 U.S.C. 1681n.

I am requesting that these inquiries be removed within XXXX hours of receipt of this notice.I expect full compliance with the FCRA. If this dispute is not resolved in a timely and lawful manner, I will pursue further legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
This is a formal dispute concerning inaccurate and unauthorized information appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 15 U.S.C. 1681i, and I request the immediate removal of the following : XXXX XXXX BANK XXXX ] [ XXXX XXXX XXXX [ XX/XX/year> These inquiries were not authorized by me, nor did I initiate any application for credit or services with the listed entities. Under 15 U.S.C. 1681b, a permissible purpose and written consent are required for a hard inquiry. Their reporting constitutes a willful violation of my rights, subject to civil liability under 15 U.S.C. 1681n.

I am requesting that these inquiries be removed within XXXX hours of receipt of this notice.I expect full compliance with the FCRA. If this dispute is not resolved in a timely and lawful manner, I will pursue further legal remedies.

Company response to consumer: Closed with explanation