vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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:
I am writing to formally dispute inaccurate late payment information on my credit report related to my XXXXXXXX XXXX XXXX account issued by XXXX XXXX ( Account ending in XXXX ). 
The late payments reported for XXXX and XX/XX/XXXX are inaccurate and resulted from XXXXXXXX XXXX XXXX internal enrollment error in their hardship program. On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX, who enrolled me in a hardship payment plan with a confirmed monthly payment of {$50.00}. I honored this agreement and made payments on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as confirmed by my bank and XXXXXXXX XXXX own records. 
However, due to an error on XXXX part, this enrollment was mishandled, and I was incorrectly reported as 30 and 60 days late. I later spoke with a different representative, XXXX, who acknowledged the mistake and enrolled me into their Long-Term Workout Program, which officially began on XX/XX/XXXX XXXX I have remained in good standing and made consistent payments under the new plan since then. 
XXXX reported 30-days past due XX/XX/XXXX, 60-days past due XX/XX/XXXX, 30-days past due XX/XX/XXXX, and 60-days past due XX/XX/XXXX. These negative marks are unfair and misleading, as the payments for XX/XX/XXXX and XX/XX/XXXX were made as stated in the XX/XX/XXXX, agreement, and XX/XX/XXXX and XX/XX/XXXX payments of {$100.00} were made as stated in the XX/XX/XXXX, agreement. All negative reporting is incorrect because these payments were made under an agreement provided by XXXXXXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the inaccurate late payment entries for XXXX and XX/XX/XXXX be investigated and corrected or removed from my credit file. 
Supporting Documents Included : XXXXXXXX XXXX hardship program letter ( Long Term Workout Program, dated XX/XX/XXXX ) Verified payment history from XX/XX/XXXX through XX/XX/XXXX Scheduled payments showing ongoing participation in the workout program This written explanation of the issue Please conduct a prompt investigation and update my credit file accordingly. I would appreciate written confirmation of the results of your 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 2025-05-11 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate late payment information on my credit report related to my XXXXXXXX XXXX XXXX account issued by XXXX XXXX ( Account ending in XXXX ). 
The late payments reported for XXXX and XX/XX/XXXX are inaccurate and resulted from XXXXXXXX XXXX XXXX internal enrollment error in their hardship program. On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX, who enrolled me in a hardship payment plan with a confirmed monthly payment of {$50.00}. I honored this agreement and made payments on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as confirmed by my bank and XXXXXXXX XXXX own records. 
However, due to an error on XXXX part, this enrollment was mishandled, and I was incorrectly reported as 30 and 60 days late. I later spoke with a different representative, XXXX, who acknowledged the mistake and enrolled me into their Long-Term Workout Program, which officially began on XX/XX/XXXX XXXX I have remained in good standing and made consistent payments under the new plan since then. 
XXXX reported 30-days past due XX/XX/XXXX, 60-days past due XX/XX/XXXX, 30-days past due XX/XX/XXXX, and 60-days past due XX/XX/XXXX. These negative marks are unfair and misleading, as the payments for XX/XX/XXXX and XX/XX/XXXX were made as stated in the XX/XX/XXXX, agreement, and XX/XX/XXXX and XX/XX/XXXX payments of {$100.00} were made as stated in the XX/XX/XXXX, agreement. All negative reporting is incorrect because these payments were made under an agreement provided by XXXXXXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the inaccurate late payment entries for XXXX and XX/XX/XXXX be investigated and corrected or removed from my credit file. 
Supporting Documents Included : XXXXXXXX XXXX hardship program letter ( Long Term Workout Program, dated XX/XX/XXXX ) Verified payment history from XX/XX/XXXX through XX/XX/XXXX Scheduled payments showing ongoing participation in the workout program This written explanation of the issue Please conduct a prompt investigation and update my credit file accordingly. I would appreciate written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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:
To Whom It May Concern, XX/XX/2023 I am submitting this complaint to dispute a debt being reported to me by XXXX XXXX XXXX, as shown on my credit report. I believe this debt is not mine, and I am requesting a full investigation by the Consumer Financial Protection Bureau due to the following issues : XXXX. The amounts and information reported are inaccurate, and do not correspond with any financial obligations I have incurred. 
XXXX. I am requesting : Full validation of the alleged debt, including a breakdown of the total amount, the original creditor, and itemized charges. 
A copy of the purchase agreement or assignment of the debt, proving the collectors legal authority to collect. 
Securitization information, including the identity of the original creditor and the full chain of title for this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
There were unknown transactions being taken from my savings account and available balance from Cash app. I informed the company to try and dispute these charges but they told me only the bank I currently have can process a dispute. That didnt make sense because the transactions were being taken from cash app. They told me there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
: Formal Dispute of Inaccurate Information XXXX XXXX XXXX ( Account # XXXX and CFPA Violations Cited To Whom It May Concern : I am writing to formally dispute inaccurate information reported by TransUnion on my credit file. Specifically, this pertains to an account listed under XXXX XXXX XXXX, Account Number XXXX which I have confirmed is not valid or belongs to me. 
On XX/XX/year> I submitted a dispute to TransUnion in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). I requested a reasonable reinvestigation, documentation verifying the debt, the method of verification, and the contact information of the data furnisher.

Despite these requirements, TransUnion has failed to provide : 1. Documentation verifying that the debt is accurate and belongs to me ; 2. The method of verification used to confirm the information ; 3. Contact information for the furnisher of the disputed data ; 4. A clear response within 30 days in compliance with federal law. 
These actions represent violations of the following federal statutes : * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation; * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify inaccurate or unverifiable information; * 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of consumer report data ; * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to determine accuracy; * 12 U.S.C. 5531 Prohibited unfair, deceptive, or abusive acts or practices ( UDAAPs ). 
Furthermore, I am providing proof from XXXX  that the same item has been deleted from my XXXX  credit report after their investigation. XXXX  findings clearly state : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 
This outcome from XXXX  demonstrates that the account is inaccurate and unverifiable, and therefore must also be removed from my TransUnion file under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Remedy Requested : I demand that TransUnion : 1. Permanently delete the XXXX XXXX XXXX account from my credit report ; XXXX. Provide written confirmation of this deletion ; 3. Supply a detailed explanation of the procedures used in the original reinvestigation, as required by law. 
Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and may include legal action under FCRA and CFPA for willful noncompliance and negligent reporting. 
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 non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am submitting this complaint to dispute two inaccurate collection accounts that are currently appearing on my credit report. These accounts are not mine, and I have no recollection of authorizing or owing the debts listed below : NATIONAL RECOVERY AGENCY Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$2500.00} These accounts appear to be either fraudulent or reported in error. I have not received any verification of these debts despite prior disputes, and they are negatively affecting my credit profile.

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 2025-05-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I purchased a used XXXX XXXX XXXX in XX/XX/XXXX and financed it through XXXX XXXX  for {$17000.00} at an XXXX of XXXX %. The vehicle had previously been a rental and had an open recall that was never completed, which was not disclosed to me at the time of sale. It is now worth less than {$3000.00}. 

Over the life of the loan, I made regular monthly payments and maintained the vehicle responsibly. In total, I have paid approximately $ XXXXincluding a {$10000.00} personal loan I took out from my bank to pay down the balance. Despite this, I was still told I owed {$1700.00}. That means I paid over {$9000.00} more than the original loan amount and still wasnt finished. 

Based on my payment history, the majority of my payments went toward interest, with minimal impact on the principal. After reviewing my statements, I calculated my effective interest rate to be over XXXX XXXX, far higher than the XXXX disclosed in the contract. I believe this rate and the total cost paid over time are excessive and potentially predatory. 

In XX/XX/XXXX, I learned that XXXX XXXX deleted the account from my credit report due to a data issue. I was never notified of this deletion. I only found out because my bank raised a concern. When I called XXXX XXXX and spoke with Supervisor XXXX ( ID XXXX ), I was told the deletion could not be reversed and the account would not be reinstated. XXXX became frustrated and dismissive when I asked questions about the interest and account handling. 

I work full-time, go to school full-time, and commute long distances. I have maintained my vehicle, including regular oil changes. The financial and emotional strain of this loan, especially after taking out additional debt just to catch up, has been overwhelming. 

This wasnt okay. I was misled. And someone needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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 file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting in my credit report. These remarks have been detrimental to my life and credit health. 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation