vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: TX

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

Company 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the late payment reported on my credit report for my auto loan account with XXXX XXXX XXXX. The late payments in question occurred because my due date is the XXXX of each month, but some months do not have 31 days. In these months, I made my payment on the last available day ( e.g., XX/XX/XXXX, XX/XX/XXXX, etc. ), which should be considered on time.

According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate. Because my payments were made in accordance with my due date, I request that you correct these late payments with the credit bureaus and update my account status to reflect timely payments. 

I have attached the following supporting documents : 1. A copy of my loan agreement confirming my due date is the XXXX. 
2. Proof of payment history showing my payments were made on the last available day of months without a XXXX. 

Please investigate this matter and confirm in writing that the late payments have been removed. If you find that my dispute is valid, I also request that you notify Experian, XXXX, and XXXX to update my credit file. 

If you believe the late payments were correctly reported, please provide a written explanation detailing how a XXXX due date should be handled in months with fewer days. 

I appreciate your prompt attention to this matter and expect a response within 30 days as required by the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] if you need any additional information. 

Sincerely, [ Your Name ]

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the late payment reported on my credit report for my auto loan account with XXXX XXXX XXXX. The late payments in question occurred because my due date is the XXXX of each month, but some months do not have 31 days. In these months, I made my payment on the last available day ( e.g., XX/XX/XXXX, XX/XX/XXXX, etc. ), which should be considered on time.

According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate. Because my payments were made in accordance with my due date, I request that you correct these late payments with the credit bureaus and update my account status to reflect timely payments. 

I have attached the following supporting documents : 1. A copy of my loan agreement confirming my due date is the XXXX. 
2. Proof of payment history showing my payments were made on the last available day of months without a XXXX. 

Please investigate this matter and confirm in writing that the late payments have been removed. If you find that my dispute is valid, I also request that you notify Experian, XXXX, and XXXX to update my credit file. 

If you believe the late payments were correctly reported, please provide a written explanation detailing how a XXXX due date should be handled in months with fewer days. 

I appreciate your prompt attention to this matter and expect a response within 30 days as required by the FCRA. Please feel free to contact me at [ Your Phone Number ] or [ Your Email ] if you need any additional information. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXX/XX/XXXX - XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XX/XX/XXXXInquiry XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XX/XX/XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX IN - XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am trying to buy a dishwasher. I had to unfreeeze my account to apply for a credit card that would provide 12 months same as cash. I had no problems at all with XXXX or XXXX. Experian blocked my request, which denied my credit. I have tried for 4 days to speak to a representative and their automated system tells me there is no representative available and hangs up. I have tried at all hours, different days with no success. My personal bank and my credit monitoring company has advised that Experian is always an issue when someone freezes and unfreezes their accounts. Experian tells me my account are unlocked, but the credit inquiry tells me Experian blocked the request. I can not get it resolved online or on the phone. I am going to try to send hard copy to them, which is think is very unfair and untimely based on someone's need to repurchase an appliance that is broken. I have good credit. I am not trying to get over on anyone. It's very embarrassing to be at a store and have your credit denied two times.

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 2025-02-06 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:
Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX, and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX, and XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
My credit report contains incorrect personal information, leading to the appearance of unknown and inaccurate accounts that do not belong to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in accounts I was never associated with being added to my report. As advised by Equifax, I filed a report with the FTC and submitted the necessary documentation, yet these fraudulent items remain. This ongoing issue is unacceptable and continues to impact me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TN

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-02-07 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} DATE OPEN : XXXX XX/XX/XXXX Balance {$0.00} DATE OPEN : 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 2025-02-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXX/XX/XXXX # XXXX XX/XX/year>2018 -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. 

The inquiries I am referring to, for which I did not give written permission, are as follows XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXXXX/XX/scrub>/2024 I have already put both the credit reporting agencies and the furnishers on notice regarding the inaccuracies on my consumer report. Despite this, no action has been taken to correct these errors, which continue to cause me extreme harm. The inaccuracies on my consumer report have prevented me from obtaining credit, employment, and other opportunities that require a clean credit history. 

I am requesting that your agency investigates this matter and takes the necessary steps to ensure that these companies are held accountable for their actions. I am also requesting that the inaccurate inquiries on my consumer report be removed and corrected immediately. I have also attached the FTC report as well. I believe that your agency has the power to protect consumers like myself, and I hope that you will take this complaint seriously. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

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 2025-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a dispute regarding a creditor and credit reporting agencies that have broken consumer laws by reporting numerous inaccurate accounts on my consumer report. I am seeking your assistance in holding these companies accountable for their actions and correcting the inaccurate information on my consumer report. 

The inquiries I am referring to, for which I did not give written permission, are as follows XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXXXX/XX/scrub>/2024 I have already put both the credit reporting agencies and the furnishers on notice regarding the inaccuracies on my consumer report. Despite this, no action has been taken to correct these errors, which continue to cause me extreme harm. The inaccuracies on my consumer report have prevented me from obtaining credit, employment, and other opportunities that require a clean credit history. 

I am requesting that your agency investigates this matter and takes the necessary steps to ensure that these companies are held accountable for their actions. I am also requesting that the inaccurate inquiries on my consumer report be removed and corrected immediately. I have also attached the FTC report as well. I believe that your agency has the power to protect consumers like myself, and I hope that you will take this complaint seriously. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

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 2025-02-06 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: CA

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$9200.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
On XX/XX/year>2024, pursuant to the Freedom of Information Act, I requested the following : 1. Qualified Written Request ( QWR ) Under RESPA.

2. Request for Loan Documents, Including Allonges and Closing Disbursement Records.

3. All relevant indorsement pertaining to the loan.

4. Request for copies of Seller 's disbursement checks ( front and back checks, wire transfer confirmations, etc. ) 5. Request for copies of mortgage note and closing payment records.

To date, I have not received the records requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 


Company Name : CREDIT COLLECTION SERVICES Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation