vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally dispute an inaccurate account appearing on my credit report. The account details are as follows : Creditor Name : XXXX Bank Account Number XXXX Reason for Dispute : I was never associated with this account. 

I was an authorized user but have since been removed. 

This account is reporting incorrect payment history or balance information. 

The account was previously disputed but remains inaccurate. 

This account is fraudulent or does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be immediately removed or corrected. I base my dispute on the following federal statutory requirements : 15 U.S.C. 1681e ( b ) : Requires that all information reported is accurate and complete.

15 U.S.C. 1681i ( a ) ( 1 ) : Mandates a reasonable investigation when a consumer disputes inaccurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Compels furnishers to report only accurate information.

15 U.S.C. 1681s-2 ( b ) : Requires that furnishers investigate disputes and update or delete inaccurate data.

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information.

15 U.S.C. 1681g : Provides consumers with the right to access and verify the information in their credit files.

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA.

15 U.S.C. 1681o : Establishes liability for negligent noncompliance with FCRA provisions.

15 U.S.C. 1681p : Defines the statute of limitations for FCRA violations.

15 U.S.C. 1681b : Restricts access to consumer reports to parties with a permissible purpose.

15 U.S.C. 1681h : Sets forth the disclosure requirements for credit report information.

15 U.S.C. 1681d : Details the obligations of consumer reporting agencies in handling disputes.

15 U.S.C. 1681j : Requires that consumers receive proper adverse action notifications based on report information.

15 U.S.C. 1681k : Imposes liability for willful noncompliance with 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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a Capital One credit card. We are a XXXX income family and during 2024 we had a lot of financial hardship, the inflation killed our finances. 
I started to miss some payment so I talked to the bank 's customer service representatives and they only offer really expensive payment plans, I took a couple of them during 2024 because I wanted to keep up. 
Unfortunately, the situation is not sustainable any more. I requested many to the XXXX reps to close the account to stop the fees and interests accruing and make a payment plan. They have always refused. I started with a {$7000.00} debt and now is above {$10000.00}. 
Capital One continues to refuse to close the account to stop the racking up of the debt. They only want higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 Regulations 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 2025-03-06 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to inaccurate and incomplete reporting on my credit report. Despite my dispute, no proper verification or correction has been made, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Issue : XXXX. Incorrect Authorized User Reporting : I am listed as an authorized user on XXXX XXXX XXXX ( Acct # XXXX ), but I am not responsible for this account. Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy. If I am not financially responsible, the account should not affect my credit profile and must be removed or corrected. 

XXXX. Inconsistent Credit Limits & High Balance Reporting : The reported credit limit and highest balance fluctuate incorrectly across different months. This violates FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), which requires the bureau to investigate and correct inaccurate reporting. 

XXXX. Missing Payment History ( XX/XX/2023 ) : My report lacks complete payment history for this account. FCRA 15 U.S.C. 1681e ( b ) requires accurate and complete reporting. If XXXX XXXX can not verify this missing data, it must be updated or removed. 

XXXX. Failure to Remove Unverifiable Information : I requested verification of these details, but neither XXXX XXXX nor the credit bureau has provided proper documentation. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable data must be deleted. 

XXXX XXXX XXXX XXXX  Failure to Report Accurate Information : XXXX XXXX XXXX is required under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to provide only accurate information but has failed to do so. Additionally, they are required to investigate disputes under 15 U.S.C. 1681s-2 ( b ) and have not complied.

Due to these reporting errors, my credit score has been negatively affected, impacting my ability to obtain credit. This has caused financial loss, stress, and unnecessary time spent disputing incorrect information that should have been properly investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to inaccurate and incomplete reporting on my credit report. Despite my dispute, no proper verification or correction has been made, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Issue : XXXX. Incorrect Authorized User Reporting : I am listed as an authorized user on XXXX XXXX XXXX ( Acct # XXXX ), but I am not responsible for this account. Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy. If I am not financially responsible, the account should not affect my credit profile and must be removed or corrected. 

XXXX. Inconsistent Credit Limits & High Balance Reporting : The reported credit limit and highest balance fluctuate incorrectly across different months. This violates FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), which requires the bureau to investigate and correct inaccurate reporting. 

XXXX. Missing Payment History ( XX/XX/2023 ) : My report lacks complete payment history for this account. FCRA 15 U.S.C. 1681e ( b ) requires accurate and complete reporting. If XXXX XXXX can not verify this missing data, it must be updated or removed. 

XXXX. Failure to Remove Unverifiable Information : I requested verification of these details, but neither XXXX XXXX nor the credit bureau has provided proper documentation. Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable data must be deleted. 

XXXX XXXX XXXX XXXX  Failure to Report Accurate Information : XXXX XXXX XXXX is required under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to provide only accurate information but has failed to do so. Additionally, they are required to investigate disputes under 15 U.S.C. 1681s-2 ( b ) and have not complied.

Due to these reporting errors, my credit score has been negatively affected, impacting my ability to obtain credit. This has caused financial loss, stress, and unnecessary time spent disputing incorrect information that should have been properly investigated.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit score XXXX XXXX has steadily declined over the course of a year. The scores that I have been receiving are not matching my credit history. During this time I have been approved for multiple credit cards from XXXX XXXX bank. XXXX credit card in XX/XX/XXXX and another in XX/XX/XXXX. My credit card payment history, currently with XXXX active accounts with low balances and low limits and also little history of late payment has been consistent with credit building positively but my scores from XXXX Transunion and XXXX continue to decline and are inconsistent with my credit history. The scores are unbelievably low. This began in XX/XX/XXXX after being approved for unsecured credit cards which were not store brand cards. In addition I am having Adverse Information appear regarding student loans which have been XXXX for over a year and which are now closed, and which were previously in deferral or forbearance which are affecting my score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MD

Complaint narrative:
My credit score XXXX XXXX has steadily declined over the course of a year. The scores that I have been receiving are not matching my credit history. During this time I have been approved for multiple credit cards from XXXX XXXX bank. XXXX credit card in XX/XX/XXXX and another in XX/XX/XXXX. My credit card payment history, currently with XXXX active accounts with low balances and low limits and also little history of late payment has been consistent with credit building positively but my scores from XXXX Transunion and XXXX continue to decline and are inconsistent with my credit history. The scores are unbelievably low. This began in XX/XX/XXXX after being approved for unsecured credit cards which were not store brand cards. In addition I am having Adverse Information appear regarding student loans which have been XXXX for over a year and which are now closed, and which were previously in deferral or forbearance which are affecting my score as well.

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 2025-03-07 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: NY

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with XXXX, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with XXXX, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed from my credit 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 non-monetary relief
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2025-03-06 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: NV

Complaint narrative:
This is what I wrote to the company and they responded with saying there has been no personal information that was compromised. 

I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private dat/ was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( XXXX ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

XXXX XXXX XXXX ( XXXX ) : Establishes the responsibility of educational institutions and loan servicers to protect student data. 

Privacy Act of 1974 : Prohibits the unauthorized sharing of personel information held by federal agencies. 

Breach of Contract : The unauthorized sharing of student loans borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 



Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 



I appreciate your prompt attention to this matter and look forward to you response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: NV

Complaint narrative:
This is what I wrote to the company and they responded with saying there has been no personal information that was compromised. 

I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private dat/ was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( XXXX ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

XXXX XXXX XXXX ( XXXX ) : Establishes the responsibility of educational institutions and loan servicers to protect student data. 

Privacy Act of 1974 : Prohibits the unauthorized sharing of personel information held by federal agencies. 

Breach of XXXX : The unauthorized sharing of student loans borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 



Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 



I appreciate your prompt attention to this matter and look forward to you response.

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 2025-03-06 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: TX

Complaint narrative:
I cant believe Im still dealing with this. Ive contacted you multiple times regarding the inaccurate accounts that are still in litigation, yet they remain on my credit report. This has been dragging on for far too long, and Im at my breaking point.

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 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Spelling of my name listed is incorrect. I have never used the variation provided. XXXX all the names listed. My full name should be listed only as : XXXX XXXX XXXX SEE ATTACHED DOCUMENT.

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 2025-03-07 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: NY

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 response to consumer: Closed with explanation