vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute two late payments that appear on my consumer credit report associated with the following account : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. 

I am requesting a thorough investigation into this matter and that you provide documented proofsuch as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. 

Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, 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 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This account was put in collections PROFESSIONAL DEBT MEDIATION for {$2400.00} on Reported : XXXX. XXXX, 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Im not even sure where this falls - the XXXX XXXX XXXX I have has a limit of {$5200.00} and they did not deny purchases once I hit that limit. Now through the purchases, fees and interest- I am now at {$6400.00}. This I believe is a deceptive practice and they had no business letting the charges go through once I had hit the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: SC

Complaint narrative:
After reviewing my Experian report XXXX XXXXXXXX. I am drafting this compliant to Experian disputing the accuracy & the reporting the transaction and experience with the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I had an account with Cash App. Last week my wallet and phone were stolen out of my work truck and my boss sent my pay check to my cash app account on Friday XX/XX/year> around XXXX XXXX. He was unaware of the situation at the time and being that I had lost my wallet and phone I have no access to this account. I had ordered a atm card weeks ago but never received it. I can't remember my passwords to get in to the email and have no access to the phone number connected to account. I called cash app support number Friday evening. I made them aware of the situation and that my paycheck was deposited into this account of mine that I am unable to access and they informed me to make a new cash app account with a new email address and that they would transfer my funds over into the new account. I verified my identity with my driver 's license and also with a selfie picture they requested. I verified all information attached to my account that I can not access email/ phone number and even closed cards that were once used with the account. This has continued on all weekend with numerous calls I made to cash app support Saturday XXXX, Sunday XXXX and Monday XXXX. Only to be given the same runaround by about 8 different cash app representative that they can't transfer my money they can't connect the new account to the old account. They will not return the funds to the sender who I have provided that information as well. I have been escalated to a manager named XXXX who has been of no help and basically told me that there is nothing they can do for me. 4 days later I still sit here without my money that all I want is my money. I don't care if they close the accounts or whatever they need to do to either give me my money or send it back to my boss who sent it. They are refusing to help me and running me in circles the past 4 days. I have a family and bills due. I need my money. I am a hardworking man and just want what is mine. They are giving me the runaround and will not give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-27 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: DE

Complaint narrative:
I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX  for the inaccurate and inconsistent reporting of payment history across credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). These discrepancies have caused significant distress to my credit portfolio, reduced my creditworthiness, and unfairly penalized my financial standing. There is a clear contradiction here. If XXXX of the three major bureausshows no delinquencies, and the account was handled consistently across bureaus, there is no justifiable reason for XXXX XXXX XXXX XXXX XXXX XXXX  to report late payments to TransUnion and Experian. 

I have attempted to resolve this matter directly with the creditor and credit bureaus, but no consistent or corrective action has been taken. The inaccurate derogatory data has impacted my XXXX XXXX, leading to denials in credit applications, higher interest rates, and emotional stress. 

FCRA Violation : The Fair Credit Reporting Act mandates that furnishers of credit data must report accurate, complete, and up-to-date information. The current reporting pattern suggests that XXXX XXXX XXXXXXXX XXXX XXXX  is not in compliance with FCRA Section 623, which governs the duties of information furnishers to report accurately and correct known errors.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: DE

Complaint narrative:
I am filing this complaint against Self Financial Inc/ Lead Bank for the inaccurate and inconsistent reporting of payment history across credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). These discrepancies have caused significant distress to my credit portfolio, reduced my creditworthiness, and unfairly penalized my financial standing. There is a clear contradiction here. If XXXX of the three major bureausshows no delinquencies, and the account was handled consistently across bureaus, there is no justifiable reason for Self Financial Inc / Lead Bank to report late payments to XXXX and XXXX 

I have attempted to resolve this matter directly with the creditor and credit bureaus, but no consistent or corrective action has been taken. The inaccurate derogatory data has impacted my credit score, leading to denials in credit applications, higher interest rates, and emotional stress.

FCRA Violation : The Fair Credit Reporting Act mandates that furnishers of credit data must report accurate, complete, and up-to-date information. The current reporting pattern suggests that Self Financial Inc/ Lead Bank is not in compliance with FCRA Section 623, which governs the duties of information furnishers to report accurately and correct known errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

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 2025-05-27 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
I am disputing multiple hard inquiries that were added to my credit report without my authorization. I did not apply for credit with the companies listed below, nor did I give permission for any third party to access my credit report. I have submitted a formal Identity Theft Report to the FTC as required by the FCRA, which legally supports my dispute. 

These unauthorized inquiries appear on my [ Experian / Equifax XXXX TransUnion ] credit report and include : 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 These inquiries are negatively affecting my credit profile and were not initiated or approved by me. I have also submitted dispute letters directly to [ Experian / Equifax / TransUnion ], requesting deletion under FCRA 604 ( a ) ( 3 ), but have not received proper resolution.

I respectfully request that the CFPB intervene to ensure the credit bureau ( s ) and furnishers comply with the Fair Credit Reporting Act by removing these unauthorized inquiries promptly.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/scrub> 2025. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>2025. However, now this item has reappeared on my credit report.

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer & # 39 ; s file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # 39 ; s file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

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 2025-05-27 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Account XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief