vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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:
Please help me, I have attached supporting documents.

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

Complaint narrative:
Please help me, I have attached supporting documents.

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 2025-04-04 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: TX

Complaint narrative:
I need help, I have attached supporting document. Request for Full Cancellation of Student Loan Debt Due to XXXX Violations and Data Compromise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need help, I have attached supporting document. Request for Full Cancellation of Student Loan Debt Due to XXXX Violations and Data Compromise

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 2025-04-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be 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 2025-04-04 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: MI

Complaint narrative:
XXXX, Transunion and XXXX are dropping my credit scores XXXX points for no apparent reasons. My score was a XXXX and now all of a sudden it dropped XXXX points hurting my ability to get credit. Showing negative items on my credit profile for a dispute ( XXXX ) are illegal and unlawful. XXXX statues and FCRA support my complaint. This keeps happening. XXXX XXXX I believe reported something on my credit report because I am Disputing negative items on my credit reports. Whoever is reporting any negative items on my report needs to held accountable and all three Credit agencies need to REMOVE NEGATIVE ITEMS OFF MY REPORT. I'M TIRED OF GOING BACK AND FOURTH WITH THESE AGENCIES AND 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 non-monetary relief
Consumer complaint received 2025-04-05 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV funding Llc has not provided requested information that I am by law subjected to retain on demean by law a bill XXXX statement as they have provided is not a purchase agreement with both my signature and the original creditor signature along with daters names and addresses of original creditor, LVNV funding llc proof of license to collect in the state of Illinois along with proof of full investigation into how this was validated how LVNV was able to illegally obtain my personal information without my written or verbal consent, acts which According to FCRA Section 605b it is illegal to report anything on my credit report without my permission and Any party that violates the FCRA can face penalties and legal action from harmed consumers. These penalties include fines of up to thousands of dollars per violation, damages to the affected consumer, and even imprisonment no proof has been provided thus none shall exist I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact such exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX reported me late on paying a credit bill. I paid the amount listed on my portal site however, XXXX XXXX card said the payment was a different amount and reported me late and lowered my credit score by XXXX points.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Can you help me, CFPB? XXXX filing this complaint against Equifax because they reinserted a previously deleted account on my credit reportwithout giving me any notice, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I disputed the account with Equifax in XX/XX/2025, and by XX/XX/2025, I confirmed that it had been removed from my credit report. But when I checked my report again on XX/XX/2025, I was shocked to find that the same accountXXXX  XXXX XXXX ( XXXX ) was reinserted, and I was never notified. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax was required to notify me in writing within 5 business days of reinserting any previously deleted information. This notice must include the name and contact information of the furnisher and inform me of my right to file a statement of dispute. Equifax failed to do any of this. This lack of notice and failure to follow proper procedure also raises serious concerns about whether Equifax is maintaining reasonable procedures to ensure the accuracy of consumer reports, as required by 1681e ( b ) especially since other credit bureaus did not report this account. Im asking CFPB to please investigate this matter, require Equifax to permanently delete this account, and hold them accountable for failing to comply with FCRA requirements.

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

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo issued an electronic funds transfer to an account. We did not authorize. We still do not have any information on the direct pay that Wells Fargo offered and we still do not know where our money went. Over {$340000.00} was sent from our account into an electronic funds transfer to a person or business. We have no idea about with no direct pay information available from Bank. We have called several times. This has been ongoing since XX/XX/year>.

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 2025-04-04 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: CA

Complaint narrative:
I have used cash app for a couole years now. Recently i went to pay a bill online. Cash app blocked me saying i needed to verify who i am. They had me send them pictures front and back of my id, they had me send pics of me holding my id next to my face, asked for numbers associated with the account asked for debit card numbers associated with my account. I sent them everything just for them to say they couldnt verify my account. My account has just over XXXX dollars i cant access. I argued with them over the phone for hours. Nothing, they finally escalated the situation. The person that was sent to help me asked for everything i had already sent, i did it all again. Arguing with them that i need access to my account. They kept saying they couldnt verify my account or information based off everything i sent them that they demanded. So we argued again, then i get a email this morning saying the case was closed cause i didnt reply, and i have the replies on the emails. I called them back and the guy on the phone is saying nothing can be done if the case is closed. I have about XXXX dollars they just stole from me, they are saying they didnt steal it. That they arenjust denying access tonmy account with money in it still. They say i have other cases open but ive only filed XXXX case for this XXXX issue. Customer service is XXXX, all from foriegn countries incan barley understand them cash app should be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a natural born person do not close this file I have also attached my drivers license and ss # as proof.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 XXXX XXXX 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 2025-04-04 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-04 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: AZ

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-04 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: GA

Complaint narrative:
I am writing to formally dispute the continued reporting of a charged-off account on my credit report. According to the IRS, an unpaid charge-off is considered income, and under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged-off account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Charge-Off Amount : {$18000.00} Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX {$1600.00} Upon reviewing my most recent credit report, I found that this account is still being reported as a charge-off. Since the debt has been canceled and reported as income to the IRS, it should no longer be reflected as a delinquent or charged-off account on my credit file. Under the FCRA, credit reporting agencies and furnishers are required to ensure the accuracy of reported information. Reporting a canceled debt as a charge-off is inaccurate and misleading, and I am requesting its immediate removal from my credit report. Please cease the reporting of this account and delete it from my credit file immediately. I request written confirmation of the account 's removal within 30 days. Thank you for your prompt attention to this matter. If you require additional information, please contact me at the phone number or email listed above.

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 2025-04-04 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: P&B Capital Group, LLC
State: MI

Complaint narrative:
I, XXXX XXXX am a victim of XXXX XXXX, demand the deletion and removal of the listed accounts on my credit report : XXXX XXXX, Open date : XX/XX/XXXX, XXXX capital XXXX XXXX XXXX XXXX date : XX/XX/XXXX, .PB Capital Group LLC XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXXXXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry date : XXXX XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX, Inquiry XXXX, .XXXX, Inquiry XXXX, XXXX, Inquiry date : XXXX XXXX XXXX XXXX, Inquiry XXXX, XXXX B, XXXX XXXX XXXX XXXX, Inquiry XXXX XXXX XXXX Inquiry XXXX .XXXX XXXX, Inquiry XXXX,. XXXX, Inquiry date : XXXX XXXX, XXXX XXXX, Inquiry XXXX, .XXXX XXXX, Inquiry XXXX, XXXX, Inquiry XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX, XXXX, Inquiry XXXX XXXX XXXX, XXXX XXXX.

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

Complaint narrative:
Equifax has a documented history of failing to properly investigate consumer disputes, leading to legal action for FCRA violations. This pattern of noncompliance is unacceptable, and I refuse to allow my financial profile to suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a legitimate reinvestigation of all disputed information within 30 days. If any item can not be 100 % verified with legitimate, original documentation, it must be deleted. These reporting errors are actively damaging my financial standing, and I demand immediate corrective action. Any failure to comply will be met with further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-04 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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