vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
There is an account on my credit report that I have no liability to. The entry in question pertains to a debt collection account reported by XXXX XXXX. The associated account number ends in XXXX in the amount of {$5400.00}. I have no knowledge of this account. The debt was the subject of a lawsuit, and subsequently dismissed WITH PREJUDICE by XXXX XXXX XXXX, in XXXX OH under case number XXXX on XX/XX/XXXX. The court ruled that the debt collector did not have a valid claim to the debt. As a result, this debt is no longer legally enforceable. Therefore, I am disputing the debt since it is still being reported after it was legally dismissed in a court of law. However, when I contacted Experian XX/XX/XXXX, the company disregarded the court order and UPDATED the listing to reflect a past due amount as of XXXX XXXX in their records and they continue to report it in my credit file. I am not sure how there could be a past due amount when the case was dismissed in a court of law. At this time, Experian is in fact violating the Fair Credit Reporting Act.

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 2025-04-19 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: LA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I was hacked on cashapp and I lost XXXX XXXX dollars to a stock i knows nothing about long story short this happened through cashapp on XX/XX/year> and it went through to a XXXX XXXX  to a XXXX XXXX and a XXXX XXXX cashapp said they canceled the transactions on behalf of the customer me to protect the customer and recipient i told cashapp i didn't authorize those transactions i said who in the right mind would put XXXX XXXX dollars into a stock i don't know anything about stocks why would I put money into something i have no knowledge of then cashapp tells me oh we can't even see the transactions on our end huh I'm lost because I'm seeing it on my end and yall are the merchant so make that make sense so fast forward to now my money hasn't returned to my bank because it was rejected do to the dispute I made with my bank the check was rejected and it went through to XXXX XXXX  to a XXXX XXXX and i don't know no XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: LA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On * * [ XXXX ] * *, I noticed several inaccuracies and unauthorized entries on my credit report. These include incorrect personal information ( such as old or unknown addresses and name variations ), unauthorized hard inquiries, and accounts that I do not recognize or that are reporting incorrect balances and payment history. 

I contacted the credit bureaus and the relevant financial institutions to initiate a dispute. I provided supporting documentation and requested a full investigation under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the incorrect items remain on my report, and I have not received a proper resolution or explanation within the required 30-day timeframe.

Additionally, I have not been notified of any updates or outcomes regarding the dispute status, which has negatively impacted my credit score and ability to obtain credit. 

* * Actions taken : * * - Submitted dispute letters and documentation to all three credit bureaus ( Equifax, TransUnion, Experian ) - Requested removal of inaccurate personal information - Requested deletion of unauthorized inquiries and unverifiable accounts- Contacted creditors directly for clarification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Globe Acceptance, Inc.
State: IA

Complaint narrative:
Globe acceptance is a complaint l company that is ran by the same owners of XXXX XXXX They repossessed my vehicle stating i owed {$12000.00}. They put it up for auction for {$13000.00}, and later stated they were only able to get {$1200.00} for the vehicle. Ibelieve they are attempting to commit fraud. Since they are a bit here pay here lot, they are able to resale the vehicle for more. I believe they had one of there other lots purchase the vehicle for a lesser amount and will be paid twice for the vehicle. They do this to many of us who do not have credit to go anywhere else. Plus when they repossessed they vehicle they ended my contractual obligation to pay them. By putting the vehicle up for auction, they sought their own retribution and were satisfied with the sale amount they received. By them threatening to take me to court for the amount owed, if paid, they would have to bring the vehicle to me because they would reinstating the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I am reaching out to express my concerns regarding several issues Ive encountered with the credit bureau. These include incorrect account listings, unauthorized inquiries, credit reporting errors, and billing discrepancies.

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 2025-04-19 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 reaching out to express my concerns regarding several issues Ive encountered with the credit bureau. These include incorrect account listings, unauthorized inquiries, credit reporting errors, and billing discrepancies.

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 2025-04-19 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: AZ

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

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Benuck & Rainey, Inc.
State: AL

Complaint narrative:
I picked up a letter at my parents house addressed to their home from Benuck & Rainey , inc about {$68.00} that I owed from XX/XX/year>. I dont knw what company this is and what the amount is for. I havent lived at this address in over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-19 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: TX

Complaint narrative:
I am reporting multiple inaccurate and potentially fraudulent items on my credit reports, which I have disputed several times with Equifax, Experian, and TransUnion beginning around XX/XX/XXXX with the most recent disputes on XX/XX/XXXX. Despite providing documentation, these items remain unresolved. 

The disputed items include : 2 collection accounts that I do not recognize or believe to be valid 1 charged-off account with questionable reporting and no response to my dispute Approximately 15 late payments across various accounts that are either inaccurate or due to circumstances Ive previously explained 3 unauthorized hard inquiries that I did not initiate or approve I am also concerned that these issues may be connected to a data breach or identity theft, as I have seen unusual activity on my credit reports that I can not link to any of my personal financial actions. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct reasonable investigations. However, I believe these investigations have been inadequate, as the items have been marked verified without justification or transparency. 

I am requesting that the CFPB investigate these issues further, ensure a full and fair review of each item, and require the removal of any unverifiable or fraudulent data from my reports. I am also requesting that the bureaus provide a clear explanation of how each item was verified

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting multiple inaccurate and potentially fraudulent items on my credit reports, which I have disputed several times with Equifax, Experian, and TransUnion beginning around XX/XX/XXXX with the most recent disputes on XX/XX/XXXX. Despite providing documentation, these items remain unresolved. 

The disputed items include : 2 collection accounts that I do not recognize or believe to be valid 1 charged-off account with questionable reporting and no response to my dispute Approximately 15 late payments across various accounts that are either inaccurate or due to circumstances Ive previously explained 3 unauthorized hard inquiries that I did not initiate or approve I am also concerned that these issues may be connected to a data breach or identity theft, as I have seen unusual activity on my credit reports that I can not link to any of my personal financial actions. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct reasonable investigations. However, I believe these investigations have been inadequate, as the items have been marked verified without justification or transparency. 

I am requesting that the CFPB investigate these issues further, ensure a full and fair review of each item, and require the removal of any unverifiable or fraudulent data from my reports. I am also requesting that the bureaus provide a clear explanation of how each item was verified

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 2025-04-19 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: FL

Complaint narrative:
I have already settled the debt with the auto lender and they provided sufficient documentation to have the debt deleted from my reports transunion has done so however, Equifax has not this has been an ongoing issue I received the letter is submitted the documents in XX/XX/year> and file several disputes with Equifax each time they failed to remove the account from my report in XX/XX/year> made XXXX years which legally the debt should be removed and the documents provided from XXXX XXXX it states clearly if I wanted deleted, I need to speak with the reporting companies all the others have comply however, Equifax is making it very difficult they requested the document, but did not even read them because the response I got from them clearly shows they didnt even acknowledge it. Everything they asked for is already in the document the email they sent back.

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 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-19 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: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-19 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 bring to your attention several issues I have identified with my credit report. These include inaccurate account listings, unauthorized inquiries, reporting errors, and billing discrepancies.

Company response to consumer: Closed with non-monetary relief