vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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 declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-02 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: IA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for violating the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) and engaging in fraudulent reporting. 

A XXXX account was deleted from my Equifax credit report in XX/XX/XXXX. However, Equifax reinserted the account in XX/XX/XXXX without providing me with the legally required notification within five business days, as mandated by the FCRA.

FCRA, Section 611 ( a ) ( 5 ) ( B ) clearly states : If any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion. 

Equifax failed to : 1. Notify me in writing within five business days of the reinsertion.

2. Provide any verification or documentation justifying the reinsertion of the XXXX account. 
3. Follow legally mandated procedures to ensure accuracy and integrity of the information being reported. 

This negligence demonstrates fraudulent reporting and gross noncompliance with federal law, causing harm to my creditworthiness and reputation. 

I am requesting that the CFPB : 1. Investigate Equifaxs improper reinsertion of the XXXX account. 
2. Require Equifax to provide documented proof of the reinsertion process and compliance with FCRA requirements. 
3. Impose appropriate penalties or corrective actions against Equifax for its violation of the FCRA and fraudulent reporting practices. 

Additionally, I am requesting that the reinserted XXXX account be permanently deleted from my credit report unless Equifax can provide verified evidence justifying its reentry. 

Supporting Documents : Copy of my credit report showing the deleted XXXX account ( if available ). 
Copy of my credit report showing the unauthorized reinsertion in XX/XX/XXXX. 
Previous dispute letters submitted to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
I leased a MB and as you can see made all my payments. When it came time to turn the car in, I only had one key on me and the inspector noted a place on the hood or the fender which was later removed because it was simply a rubber mark. Later the same day I brought in the 2nd key and was promised by the XXXX that he will take care of it. I then moved and had no thoughts that he would mess with me like that. This is a mistake n their end and if this is knowingly done could go as far as boarderline financial crime. 
The balance should be {$0.00} and for the first time ever it actually shows zero. 
I have the report and will attach it. Also, the dates and amount is completely wrong. I circled them in yellow. Please be aware of the different balances and dates. Something is up and I. Dont know what.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-02 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: MI

Complaint narrative:
Dear Representative I am writing to formally contest the inaccuracies and breaches identified in my credit report, and to request corrective measures and compensations for the violations of the Fair Credit Reporting Act FCRA. Here I present a comprehensive overview of the identified issues, accompanied by my formal request for resolution. Discrepancies in documented statements XXXX XXXX ( XXXX ) There is an error in the payment history : Late payment entry has been incorrectly documented. Violation amount ( {$1000.00} ) ( XXXX : ) Violation amount : ( XXXX ) Legal Violations XXXX XXXX : failure to remove disputed late payment entry, violating FCRA provisions. Compensation request : I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : ( 1000 ) ( statutory amount ) Total violations : 2 Total compensation requested ( 2000 ). They are in violation of the FCRA 1681eb, 1666b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MI

Complaint narrative:
Dear Representative I am writing to formally contest the inaccuracies and breaches identified in my credit report, and to request corrective measures and compensations for the violations of the Fair Credit Reporting Act FCRA. Here I present a comprehensive overview of the identified issues, accompanied by my formal request for resolution. Discrepancies in documented statements XXXX XXXX ( XXXX ) There is an error in the payment history : Late payment entry has been incorrectly documented. Violation amount ( {$1000.00} ) ( XXXX : ) Violation amount : ( XXXX ) Legal Violations XXXX XXXX : failure to remove disputed late payment entry, violating FCRA provisions. Compensation request : I am entitled to statutory damages for each violation of my rights. Based on the identified issues : Compensation per violation : ( 1000 ) ( statutory amount ) Total violations : 2 Total compensation requested ( 2000 ). They are in violation of the FCRA 1681eb, 1666b

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 2025-04-02 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a responseXXXX To reiterate, my correct and up-to-date personal information is 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 my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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 2025-04-02 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:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. Thank you once again for your assistance.

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 2025-04-02 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: AZ

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX, XXXX, and TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of bankruptcy on my credit file and misleading information on my credit report. 

Despite multiple disputes filed directly with these credit bureaus, they have failed to correct these errors within the legally required timeframe, causing significant damage to my credit profile. Their blatant non-compliance demands immediate regulatory intervention. Despite multiple requests, the credit bureaus have failed to provide me with any verifiable proof of how they verified this alleged bankruptcy. Their failure to furnish documentation that supports the accuracy of this information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Legal Violations by the Credit Bureaus Charge-Off Accounts Reporting Balances Violation of 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ). A charge-off means the original creditor has written off the debt as a loss. Once an account is charged off, it should not continue to report a balance.

Reporting a balance on a charged-off account is both inaccurate and misleading, violating the credit bureaus ' obligation to ensure the maximum possible accura
cy of consumer reports. Reporting of 90-Day and 120-Day Late Payments After Charge-Off Willful Non-Compliance with the FCRA.

Late payments can not be continuously reported after an account is charged off. This practice artificially extends the negative impact on my credit history beyond what is legally permissible.

This deliberate misreporting is an unfair, deceptive, and abusive practice ( UDAAP ), and I demand immediate correction.

Furthermore, my state 's consumer protection laws ( cite specific state laws if applicable ) impose strict obligations on credit reporting agencies regarding the accuracy and verification of reported data. Since the credit bureaus has not provided any direct evidence that a legitimate bankruptcy exists under my name, I demand the immediate removal of this erroneous information from my credit file. 
Attached is proof of the letter From the Bankruptcy court, Letter from XXXX XXXX, and screen shot from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX, XXXX, and TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of bankruptcy on my credit file and misleading information on my credit report. 

Despite multiple disputes filed directly with these credit bureaus, they have failed to correct these errors within the legally required timeframe, causing significant damage to my credit profile. Their blatant non-compliance demands immediate regulatory intervention. Despite multiple requests, the credit bureaus have failed to provide me with any verifiable proof of how they verified this alleged bankruptcy. Their failure to furnish documentation that supports the accuracy of this information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Legal Violations by the Credit Bureaus Charge-Off Accounts Reporting Balances Violation of 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ). A charge-off means the original creditor has written off the debt as a loss. Once an account is charged off, it should not continue to report a balance.

Reporting a balance on a charged-off account is both inaccurate and misleading, violating the credit bureaus ' obligation to ensure the maximum possible accura
cy of consumer reports. Reporting of 90-Day and 120-Day Late Payments After Charge-Off Willful Non-Compliance with the FCRA.

Late payments can not be continuously reported after an account is charged off. This practice artificially extends the negative impact on my credit history beyond what is legally permissible.

This deliberate misreporting is an unfair, deceptive, and abusive practice ( UDAAP ), and I demand immediate correction.

Furthermore, my state 's consumer protection laws ( cite specific state laws if applicable ) impose strict obligations on credit reporting agencies regarding the accuracy and verification of reported data. Since the credit bureaus has not provided any direct evidence that a legitimate bankruptcy exists under my name, I demand the immediate removal of this erroneous information from my credit file. 
Attached is proof of the letter From the Bankruptcy court, Letter from XXXX XXXX, and screen shot from all 3 credit bureaus.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Someone used my identity to open a Cash App account and a Cash App debit card. I received the card in the mail with my name and address on it. I called Cash App and reported the issue. Case was opened but nothing was done for a few weeks. I called on XX/XX/year> to escalate the issue to have this fraudulent account closed, Still waiting to hear from Cash App.

Company response to consumer: Closed with explanation