vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : URGENT Dispute & Request for Fraudulent Account Removal To Whom It May Concern, I am writing to formally dispute an account on my credit report that was fraudulently opened in my name. The account in question is : Creditor : XXXX XXXX Date Opened : XX/XX/year> I previously disputed this fraudulent account with [ XXXX ] XXXX and it was removed from my credit report. However, it was reinserted without proper notification, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I have taken the following steps to resolve this issue : 1. Filed an FTC Identity Theft Report ( attached ).

2. Filed a police report regarding identity theft ( if applicable, attach ).

3. Filed a CFPB complaint, as this fraudulent account continues to appear on my report.

Additionally, the fraudulent account was linked to an address previously associated with other fraudulent accounts that have since been removed from my report. This further confirms that this account should not be considered valid.

I am requesting the following actions : 1. Immediate and permanent removal of the fraudulent Austin Capital account.

2. A detailed explanation of why the account was reinserted, as required under the FCRA.

3. A written confirmation that this account has been deleted and will not be reinserted.

If this matter is not resolved promptly, I am prepared to escalate my complaint and pursue legal action to enforce my rights under the FCRA.

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 2025-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Back in XX/XX/XXXX, XXXX XXXX XXXX XXXX tried to charge me for a debt I didnt owe. I asked them multiple times for proof and a fair resolution, but they never gave me clear answers and continued to harass me for the debt. I end up taking them to small claims court ( XXXX XXXX. XXXX ) in XXXX XXXX XXXX On XX/XX/XXXX, the court ruled in my favor, confirming that I dont owe them anything. 

Even after this court decision, I still got numerous mails from XXXX XXXX harassing for the debt. I also got a debt collection letter from Kimball , Tirey & St John LLP on XX/XX/XXXX, saying I still owe {$400.00} to XXXX XXXX XXXX XXXX. This is completely unfair since a judge already ruled I dont have to pay. 

Im asking for XXXX XXXX XXXX XXXX and Kimball , Tirey & St John LLP to be held accountable for trying to harass me nonstop and collect money I dont owe. Also, I want to make sure this doesnt get reported to the credit bureaus or cause any issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IN

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I found XXXX unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX  XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX {$420.00}

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 2025-03-05 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax never responded. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MD

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX never responded. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX never responded. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-05 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: TN

Complaint narrative:
Ive performed and investigated my credit report and found several items to be inaccurate. 

My credit report shows XXXX XXXX XXXX XXXX  month of XX/XX/year> as a late payment. I have disputed this payment as on time and have never had a late payment on my credit report with this mortgage company. 


Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX. LATE payment XX/XX/year>.

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 2025-03-05 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: TN

Complaint narrative:
Ive performed and investigated my credit report and found several items to be inaccurate. 

My credit report shows XXXX XXXX XXXX XXXX  month of XX/XX/year> as a late payment. I have disputed this payment as on time and have never had a late payment on my credit report with this mortgage company. 


Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the following information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. If any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX. LATE payment XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: PA

Complaint narrative:
Opened a XXXX XXXX Checking account XX/XX/year>. Made cash ACH deposits and subsequently paid three bills. Square paid those bills and then locked the account, requesting " additional information. '' I supplied the additional information, including an image of my ID. After supplying that information, my account was promptly closed, without explanation. Square is now saying that I have to wait 90 days to get the refund of the money that they are holding. 90 days is unreasonable and without justification. Please provide an immediate refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 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 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These inquiries were not authorized by me. 

XXXX XX/XX/scrub> 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
These inquiries were not authorized by me. 

XXXX XX/XX/scrub> 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 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Block, Inc.
State: VA

Complaint narrative:
Received XXXX tax form which indicated that I earned {$1700.00} over the course of XXXX transactions in XXXX via Cash App. To my knowledge, I have never used Cash App and definitely not within the past year. When searching for my account in the app, it recognized my number and a credit card that had the same first XXXX digits of mine, but when providing the rest of the digits the app indicated that the card was wrong. My thoughts are that somehow someone was able to use my information to create a business and made the money using that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the immediate removal of inaccurate personal information and unauthorized transactions from my credit report. The presence of incorrect data and unverified accounts on my report is negatively impacting my financial standing and creditworthiness. These inaccuracies may result in denied credit applications, higher interest rates, and overall financial hardship. 

It is crucial that my credit report accurately reflects my financial history to ensure fair and proper evaluation by lenders, employers, and other entities. Inaccurate reporting can lead to unjust consequences, including difficulties securing loans, renting housing, and obtaining favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
I reviewed my consumer reports and noticed that I had a late payment entry on an account I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility with Maximum Accuracy. I have never been 30 days late on payments for XXXX XXXX  Account. Please investigate and provide proof showing where I made a late payment. If proof can not be provided I demand this late payment error be updated to show on time as I was never Late.

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 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by BANK OF AMERICA has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My profile includes inaccurate personal information. Please go through all relevant documents that reflect my accurate details.

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the immediate removal of inaccurate personal information and unauthorized transactions from my credit report. The presence of incorrect data and unverified accounts on my report is negatively impacting my financial standing and creditworthiness. These inaccuracies may result in denied credit applications, higher interest rates, and overall financial hardship. 

It is crucial that my credit report accurately reflects my financial history to ensure fair and proper evaluation by lenders, employers, and other entities. Inaccurate reporting can lead to unjust consequences, including difficulties securing loans, renting housing, and obtaining favorable credit terms.

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